Most of the time it’s not a good idea to combine an IRA with an annuity. The IRA already has tax deferral, so why take on the costs and limitations of an annuity? But there are a couple of times when it may make sense to mix an annuities with an IRA. We take a look at two such situations. Managing...
Posted to
Retirement Watch
by
Bob Carlson
on
10-02-2009
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Filed under: Estate Planning, IRA Benefits, Traditional IRA, Carlson, Bob Carlson, income taxes, iras, ira distributions, estate taxes, retirement plans, annuities
The swift declines in most asset classes in late 2008 and into 2009 damaged many portfolios. For those who are retired or near retirement, one necessary step after such an event is to re-evaluate retirement spending. Specifically you have to check the rate at which you are withdrawing money from the...
Posted to
Retirement Watch
by
Bob Carlson
on
03-27-2009
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Filed under: Bob Carson, IRA Benefits, estates, Carlson, Bob Carlson, iras, ira distributions, retirement plan, retirement, financial crisis, retirement plans, insurance, annuities, stocks, stock market, investments, portfolios, income investing
by Mike Posey IN THIS ISSUE: Avoiding Costly Bear Market Mistakes Active Management Revisited Other Post-Retirement Investment Alternatives Combining Strategies Introduction To say that the world has changed since I last wrote to you on August 26th would be a vast understatement. Long-time cornerstones...
Market volatility and uncertainty spur the search for investment alternatives. Index fund investors broke even or lost money the last 10 years, depending on what the markets did in the latest volatile week. The index fund investors did worse than simply owning treasury bills or a money market fund. Investors...
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Retirement Watch
by
Bob Carlson
on
10-07-2008
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Filed under: Bob Carson, Carlson, Bob Carlson, income taxes, financial crisis, insurance, annuities, stock, stocks, equity indexed annuities, stock market
by Mike Posey IN THIS ISSUE: Asset Allocation And Modern Portfolio Theory The Many Faces of Asset Allocation Income Strategies Using Asset Allocation Advantages And Disadvantages of Asset Allocation Introduction This week, I am going to continue the series of E-Letters dedicated to investing during retirement...
Most people are busy accumulating large balances in their IRAs and 401(k)s and managing the accounts. They forget that the IRS holds a mortgage on those accounts. You put mostly pre-tax dollars in the accounts and let income and gains compound tax deferred. But that balance in the IRA is not all yours...
Posted to
Retirement Watch
by
Bob Carlson
on
08-07-2008
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Filed under: Bob Carson, Estate Planning, IRA Benefits, Traditional IRA, Roth IRA, estates, Estate tax, Carlson, Bob Carlson, income taxes, iras, ira distributions, estate taxes, retirement plan, retirement, retirement plans, annuities
Lawsuits, accidents, and other unexpected events can put personal assets at risk of loss. Protecting assets from these and other potential losses is a prime goal of many people. While expensive asset protection packages are available from various finance professionals, there are much simpler ways to...
Posted to
Retirement Watch
by
Bob Carlson
on
07-25-2008
Filed under:
Filed under: Estate Planning, IRA Benefits, estates, Carlson, Bob Carlson, iras, trusts, real estate, mortgages, retirement plans, insurance, lawsuits, annuities, creditor protection, asset protection
by Mike Posey IN THIS ISSUE: A Primer On Variable Annuities Variable Deferred Annuities Disadvantages Of Variable Deferred Annuities Variable Annuities Continue To Improve Retirement Tidbit – Making The Most Of Retirement Introduction This week, I am going to continue the series of E-Letters dedicated...
IN THIS ISSUE: 1. Overview Of Retirement Plan Distributions 2. Types Of Annuity Payouts 3. Advanced Annuity Payout Concepts 4. Retirement Tidbit - Minimum Distributions Introduction As I noted in my last Retirement Focus feature back on June 5 , one of the most requested topics we get from E-Letter readers...