Access Cash Value of Senior Life Insurance
How Retirees can convert a life insurance policy into cash or an income stream
Categories: life insurance Tags: cash surrender value, sell policy, senior life insurance
Municipal Bond Swaps Reduce Your Taxes
How seniors who own municipal bonds can reduce taxes further with municipal bond swaps
Categories: municipal bonds Tags: municipal bond swap, senior tax
Early Retirement Impacts your Social Security Benefits
Thinking about early retirement before you start collecting Social Security Benefits? Doing so won’t reduce the benefit that you accrued before you stopped working—but it could produce a smaller benefit than your estimated benefits statement suggests. You should receive an estimated-benefits statement from the Social Security Administration each year. The benefits it projects assume that you continue working to the retirement [...]
Categories: Early Retirement, social security benefits Tags: Early Retirement, eraly retirement, social security benefits
Bond Investing with I-Bonds
If you’re using I-Bonds to protect yourself from inflation, you know it can get tricky. Series I-Bonds are Treasury-backed bonds designed to help protect investors from inflation. Like most Treasury bonds, they appeal to investors seeking the security of an investment backed by the full faith and credit of the U.S. government. This, they are popular bond investing choices among [...]
Categories: bonds Tags: bond investing, I-Bonds
Social Security Benefits Can You Count On If You Are Married?
As one spouse of a married couple, you must choose when you will start collecting Social Security benefits. And when you do–whether you will receive Social Security benefits based on your own earnings or as a spouse’s entitlement based on his or her social security benefits. The ‘entitled spousal’ amount maximizes out at 50% of the other spouse’s benefits. You [...]
Categories: retirement income Tags:
IRA Real Estate –a Bad Idea
Even with the bloom off the rose, investors still have interest in using real estate in IRAs. The interest and use of real estate in IRAs peaked with prices. Even as the real estate market cratered, real estate professionals with sagging commission income pushed IRA real estate (often mistyped or incorrectly searched as IRS real estate) on investors dissatisfied with stock [...]
Categories: ira real estate Tags: Add new tag, real estate in your IRA
Convert Non-Producing Assets into Retirement Income
It’s common to find retirees who are asset rich and cash poor. You may own some of these assets named below that don’t produce much or any income that you can convert to a much larger income stream. Investment Real Estate In many parts of the US, investments in rental houses or apartment buildings will yield less than 4% after [...]
Categories: retirement income, supplemental retirement income Tags: retirement income sources
Most Investors Don't Know What They Pay Their Retirement Advisor
Years ago, I explained to a prospective client that my annual fee to manage her portfolio would be 1% of the portfolio. She replied, “why would I pay that when I don’t pay anything for my mutual funds.” Unfortunately, this public ignorance of what investors pay their retirement advisor is pervasive. In fact, you’d be shocked to know that even [...]
Categories: financial advisor fees Tags: retirement advisor fees
