Latest articles by Carlos Dias Jr., Wealth Adviser
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What’s the Difference Between Average and Actual Rate of Return?
An average rate of return can mask losses over time, so what investors really want to keep an eye on is the actual rate of return.
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Check Your Financial Adviser Now (and Every Year) or Regret It Later
wealth management Fewer than 10% of investors use such free background checks as Investor.gov, BrokerCheck or IAPD to check their financial advisers’ backgrounds. These online tools are easy to use and full of important information, so get clicking.
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Estate Planning Is More Important Than You Think
retirement Estate planning ensures financial security for your loved ones if something should happen to you by protecting your hard-earned assets – such as your home, investments, retirement accounts and life insurance.
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Retirement and Estate Planning Opportunities after the SECURE Act
retirement Have a big IRA or a trust? Your strategies for limiting the tax burdens on your beneficiaries may have just changed ... a LOT.
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What to Know Before Purchasing a Long-Term Care Rider
Long-Term Care Insurance Do you know the difference between a long-term care rider and chronic illness rider? Section 7702B and Section 101(g)? If you're contemplating a life insurance policy or annuity with a long-term care rider, make sure to understand the key terms.
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Avoid These Mistakes with Your Retirement Income Plan
Making Your Money Last Because we are living longer, retirees need to find sustainable sources of retirement income. Make sure you're avoiding the following mistakes when planning for retirement income.
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Retirees: Don’t Make the Same Mistakes Before a Market Correction
investing Take some lessons from the mistakes many retirees made during the downturn that socked stocks in 2008. By adjusting accordingly, you don't have to fear outliving your retirement portfolio, even if you're about to retire.
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5 Charitable Planning Options That Can Save You Money on Taxes
Tax Breaks Due to recent changes in the tax law, charitable planning is becoming an intricate part of tax, estate and gift planning. It's important to plan now while opportunities still exist.
Tax Breaks -
What to Know Before Purchasing an Annuity Income Rider
retirement Do you know the difference between a GLWB and a GMIB? A roll-up rate and a payout rate? If you're contemplating a fixed indexed or variable annuity with an income rider, make sure to understand the key terms so you can effectively compare your options and see which offers the best bang for your buck.
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7 Secrets Financial Advisers Won't Tell You
Financial Planning In many instances, there are some things that your financial adviser may not want you to be aware of, and they can be costly in the long run.
Financial Planning -
Choosing Between a Private Foundation vs. Donor-Advised Fund
taxes Whether you want control with a private foundation or confidentiality and fewer restrictions with a donor-advised fund, each of these has its own place.
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Critical Choices for IRA Beneficiaries
retirement Inheriting a traditional IRA comes with a bit of a learning curve: RMDs, taxes, deadlines, penalties, spousal rules, non-spousal rules ... all are important to know and understand.
retirement -
5 Ways Financial Advisers Misrepresent Themselves
Financial Planning How to find out if your financial adviser is misleading you about their credentials, and what steps you can take to protect yourself.
Financial Planning -
Are Annuities a Solution for Baby Boomers in Retirement?
annuities The basics of how annuities work, how they can provide a lifetime stream of retirement income, their pros and their cons.
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7 Questions to Ask Before Hiring a Financial Adviser
Financial Planning It pays to know the difference between the financial professionals offering to help you with your investment and retirement decisions before you make your choice.
Financial Planning -
Tax Rules on 10 Different Retirement Accounts and Investments
taxes Saving money for retirement involves many factors that can't be controlled, but taxes can be, to a certain extent.
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Pension Possibilities: IRA Rollover? Buy an Annuity? Or Take the Payout?
Employee Benefits Making your decision on the type of payout you receive in retirement requires considering these four factors.
Employee Benefits -
6 Options to Fund Long-Term Care in Retirement
Long-Term Care Insurance It's not fun to think about, but if you boil down your choices a bit, making a plan for what could easily cost several thousand per month becomes less daunting.
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5 Ways To Make Your Money Last Longer in Retirement
retirement It takes good planning and perhaps an annuity in later life. Forget about the 4% rule. It doesn’t cut it anymore.
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4 Tax-Free Income Sources to Supplement Retirement
retirement Choosing your investments with taxes in mind is a smart strategy as you approach retirement. Here are four income-generating possibilities that won’t trigger big tax bills.
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Avoiding the IRA Beneficiary Tax Trap
IRAs Be careful who inherits your IRA, and be smart about how they are allowed to do it. It could save them a potentially 40% tax hit.
IRAs -
How a Roth Conversion Can Save You and Your Heirs Thousands
retirement With a Roth, you can avoid RMDs and let more of your money grow tax-free.
retirement
