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Planning for Tax-Efficient Retirement Income

If you expect to be in a high tax bracket in retirement, you may consider allocating your retirement assets in a variety of different types of financial products to help reduce your tax liability. The growth potential of tax-deferred annuities may be appealing to those who have invested in safe, low-yielding strategies and are concerned…

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Euro Update: What to Potentially Expect in 2017

The United States’ recovery following the recession may feel slow, but it has outperformed other major markets worldwide. Europe, home to many developed nations, has seen dismal growth that is not expected to improve anytime soon. The Conference Board, a global, independent business membership and research association, projects only 1.4 percent growth in 2017, down…

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For the Health of Marriage

Turns out marriage can do more for your heart than fill it with love. A recent study found that, among other health benefits, married people have a higher probability of surviving a stroke. They are also more likely to survive major surgery, have fewer heart attacks, be less likely to have advanced cancer when diagnosed…

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Tax Facts About Annuities

Often touted as a tax-advantaged retirement income resource, the annuity is a complex insurance product. While it offers distinct tax benefits, it’s important to understand how it works from a tax perspective. The following are six important facts you should know: Most contributions are not tax-free; the money you initially contribute is not deductible from…

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Municipal Bond Mindset

The municipal bond market experienced a dramatic sell-off around the time of the election, with more than $10 billion departing muni funds in November.2 President Trump’s promise for more infrastructure spending and lower taxes has made the market for these bonds less appealing. For one thing, many investors are attracted to bonds for their federal…

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The Stock Market in Volatile Times

You’ve likely heard a few clichés when it comes to investing: stay the course; buy right and hold tight; time is more valuable than money; etc. The point is clear, if your investments align with your goals, timeline and risk tolerance, then there may be no reason to make changes to your portfolio when the…

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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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