Register for a No-Cost Retirement Planning Course This FREE classroom instruction for retirement planning is for adults aged 50-70 and is sponsored by the Society for Financial Awareness. During these comprehensive courses, you will receive two workbooks to help guide you on a better understanding of your financial picture and how you can plan for […]
The Changing World of Retirement Planning Read More »
Now is The Time to Strengthen Your Finances and Finalize Your Retirement Plans While it’s true that it’s better to begin saving earlier rather than later, it’s not too late to start building wealth in your 50s. In this decade of life, there are still smart moves you can make to help strengthen and grow
Strategies for Building Wealth in Your 50s Read More »
How to Make Smart Choices in the First 10 Years of Retirement October is Financial Planning Month and it’s a good time to consider your financial future and take steps to avoid the top financial planning challenges many retirees face. The start of your golden years may seem like the right moment to put away
5 Financial Planning Challenges Retirees Face (And How to Overcome Them!) Read More »
David suggests avoiding the shift of everything out of your IRA or 401k into the tax-free bucket because, by doing so, you would then have a standard deduction in retirement that sort of sits idle. $25,900/year is the standard deduction for a married…
Is the Federal Government Going to Tax Your Roth IRA? Read More »
David’s latest book, the 75,000-word novel The Infinity Code, is set to be released on September 27th. David says that the U.S. is facing a math problem of gigantic proportions: they have promised way more than they can afford to deliver in regards…
How to Take Money Out of Your 401(k) or IRA 100% Tax-Free Read More »
Today’s episode addresses claims by the likes of Suze Orman, The White Coat Investor, and Clark Howard that financial advisors are a rip-off. After 25 years in the industry, David can say without a doubt that not all financial advisors are created…
“Financial Advisors Are a Rip-off!” Read More »
Today’s episode focuses on the impact of Joe Biden’s student loan forgiveness program on the fiscal trajectory of the U.S.. David shares that Biden’s plan has only one stipulation: your annual income must be less than $125,000 as a single person…
Hastening the Debt Apocalypse – Student Loan Forgiveness Read More »
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Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.
Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.
