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Ken Moraif, CFP, is a senior adviser at Money Matters, a Dallas-based wealth management and investment firm with over $4.15 billion in AUM and serving over 8,100 households (as of May 31, 2018). The firm works with pre-retirees and retirees, offering estate and tax-planning services, retirement plan consulting and investment management. Since 1996 he has outlined retirement trends in his weekly radio show, "Money Matters with Ken Moraif," and he highlights investment strategies in his book, "Buy, Hold, and SELL!"
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The reality is that life insurance is treated as an asset in your estate. And if the payout pushes your estate past federal or state estate tax exclusion limits, you could be facing a hefty estate tax bill. There is something you can do, though.
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From 401(k)s and IRAs to stocks and bonds, your retirement savings accounts are taxed in different ways. So to make the most of your money, it makes sense to pass certain types of accounts to family and others to charity.
Investors are often told to "stay the course" even as stock markets go through tough times. However, if you're retired, that advice could put your nest egg in jeopardy.
A set-it-and-forget-it investing approach is certainly a pretty easy route for retirement savers to take, but it might be contributing to some big problems for portfolios, and even the market itself, down the line.
Think about this coverage not just as insurance for long-term care, but for your retirement nest egg itself. With that in mind, here are some tips.
Popular thinking is that youâ€™ll spend less once you retire, but thatâ€™s not what Iâ€™ve seen in my own clients, at least in the first few years.
How time flies. As the year quickly winds down, it's time to check a few items off your to-do list.
To do the right thing for your kids, you need to do the right thing for yourself as well. While it's not easy, you can save. Here's how to start.
Before you sell your house and buy that golf course condo or move down the street from your grandkids, take some time to try it out to see if reality lives up to the dream.
Between Facebook, iTunes, email and digital banking and investment accounts, most of us lead pretty active lives online. Do you have a plan for what will happen to all your passwords and accounts when you pass away?
The five years before and the five years after retirement can be a real minefield. A big loss during this time could spoil all your hopes and dreams, so hereâ€™s what you need to do to protect yourself.
Whether you never want to see another a snow shovel again or you're just looking for a cost-of-living bargain, if you've dreamed of leaving the country in your golden years, here are some issues to think about.