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Roth IRA Conversions – a Calm in the “Tax” Storm
Have you ever been caught out in a storm? Maybe it was in a boat during a squall, your car during a blizzard, or while enjoying the outdoors when a derecho pops up. Despite the situation, our reactions often include: panicking,...
Read MoreIncreasing you Social Security Retirement Benefits
As retirement comes into focus, it is important to have a clear plan for your Social Security Retirement benefits, a significant source of retirement income. There are two primary ways you can increase individual benefits. Before I get...
Read MoreYear End Exercise
While there are many apps and other tools to help you with your finances, I have developed and refined a simple tool over the last ten years to help me set, track, and prioritize my financial goals for the year.
Read MoreManaging Taxes on Your Income in Retirement
One of the most overlooked items in retirement is income tax. Inflation and taxes are the two biggest drags on your retirement plan. With a little planning, you can ensure you are doing everything possible to managing your income tax...
Read MoreIS THAT HOA A-OK?
Considering buying a condo, townhouse, or detached home? You might be downsizing, just getting started or looking for a winter getaway. The convenience of an association that takes care of maintenance while you enjoy the pool, pickle...
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Reverse Your Thinking About Reverse Mortgages
Whether it is the ability to contort your body into the “downward dog” at yoga class or having financial flexibility to help you be successful in retirement. Flexibility is the key to life. While the health discussion is...
Read MoreBuying A Boat With Your HSA (Health Savings Account)?
To maximize the benefit of an HSA for long-term planning, you need to pay your current medical expenses from other personal savings sources and leave you HSA alone.
Read MoreRECORD LOW MORTGAGE RATES PRESENT OPPORTUNITIES
While the reduction in our mortgage payment is substantial, it is not the only thing to consider when refinancing.
Read MoreWhat do Social Security and the Lottery have in common???
Social Security benefits are an important part of retirement for most people. Here is brief summary on some of the components.
Read MoreTo Buy or Not to Buy
My wife and I enjoy traveling in our RV. It provides a great way to see this beautiful country, and we like to take advantage of some unique biking locations. Recently, we stayed in Northern Michigan at a terrific campground that...
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BEWARE! New Rules for Inherited IRAs
The SECURE Act introduced the new 10-Year Rule for Inherited IRAs.
Read MoreJob Loss or Job Change? I've Been There...
It has been over 20 years since I received a notice that my position as Director of Finance was being terminated. A company takeover had fallen through, and cuts were underway. That news was devastating, and even now as I think back on...
Read MoreDefining Moments
What were your experiences with money and finances when you were growing up? Can you recall those defining moments in your life?
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