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RMDs and Charitable Contributions

A qualified charitable distribution is one that is not taxable. For 2017 and going forward, these distributions are an option for IRA owners age 70 ½ and up. If an individual instructs his or her IRA to make a distribution directly to a qualified charity, that amount can be deducted from the required minimum distribution…

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Helping Make Your Retirement Money Last

For every five years longer a retiree lives, he or she spends about 15 percent less on average. This means that people in their 70s spend about half of what they do in their 50s. Even with the ramp-up in medical expenses that often comes later in life, retirees still tend to spend less as…

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Why Convert a Roth IRA?

Investing in a traditional IRA while earning a paycheck is a good way to defer income taxes on the money you contribute. Currently, taxpayers who aren’t covered by a retirement plan at work may deduct the full amount of their annual contributions to a traditional IRA. Those who do participate in a work plan may…

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When Are You Most Productive?

Studies show some people simply are wired to wake up early in the morning while others are night owls. The difference has to do with what time of day you have the most energy, focus and creativity. One researcher aimed to change his night owl ways by waking up early and forcing himself to work…

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RMD Aggregation Rules

If you own an IRA, SIMPLE IRA, SEP IRA or retirement plan account, you must begin taking a required minimum distribution (RMD) each year once you reach age 70 ½. If you have multiple IRA accounts, you must calculate the distribution required for each IRA separately, but you are permitted to withdraw the combined amount…

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New Year a Good Time for New Approach

We frequently resolve to reinvent ourselves in the new year — exercise more, eat healthier, read more or save more. An alternative method of reinvention is simply a “rebranding”.  Sometimes companies rebrand to reflect changes, other times it’s just a new update to their look. The same can be true when it comes to reinventing…

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Tailoring Investment Strategies to Suit You

Stocks may have a reputation for being riskier than bonds, but you should also consider the risk that investing only in bonds may not accumulate enough money to finance all your aspirations in retirement. It is true that stocks are more volatile than bonds, and there is no guarantee they will yield income, but they…

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The Value of a Fixed Annuity

How much would you pay to get $100 more a month in retirement income for the rest of your life? On the flip side, how large of a lump sum would it take for you to give up $100 a month in retirement? In theory, those two numbers should be the same. However, a 2015…

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Global Trade: Free, or Otherwise

The World Economic Forum (WEF) recently published its 2016 global trade report. Atop the list of trade-friendly economies are Singapore, the Netherlands, Hong Kong, Luxembourg and Sweden. The United States ranks as No. 22. It appears global trade has greatly enhanced some nations, but it hasn’t benefitted all participants equally. Per campaign promises, the new Trump…

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