Now more than ever, retirees under the age of 65 are facing new challenges as concerns rise over increasing health care costs. Many of my clients are wondering how health care reform may affect their plans for retirement and how they can plan for a stable financial future that includes health care costs. We’ve been partners in your retirement planning for years and we can help you develop a custom strategy to address your health



As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a variety of attractive features that make investing for the future easy and potentially profitable. What Is a 401(k) Plan? A 401(k) plan is an employee-funded savings plan for retirement. For 2018, you may contribute up to $18,500 of your salary to

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College won’t pay for itself. How will you pay for it? You may have more choices than you think. Is creating a college fund on your to-do list? Consider these options. 529 plans. Anyone can contribute to these savings vehicles. Some let you prepay college tuition; others allow you to accumulate and invest education funds. Earnings on investments in a 529 plan grow tax-deferred, and withdrawals are exempt from federal taxes when the money pays

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Many families cite saving for children's or grandchildren's education as one of their top financial goals. If you are among this group, you may want to consider a 529 college savings plan or a Uniform Gifts (or Transfers) to Minors Act account (UGMA or UTMA) -- or some combination of these -- to help you achieve your objective. Estate Planning Benefits A 529 college savings plan offer severals key advantages. You maintain control of the

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You can’t always envision what will happen in your “second act.” Just as few weathercasters can accurately forecast a month’s worth of temperatures and storms, many retirees find their futures unfolding differently than they assumed. Your assumptions may be tested as well. You may retire sooner than you anticipate. A majority of pre-retirees polled in the 2016 Transamerica Retirement Survey believed they would still be working at age 65, and you may be similarly confident.

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Think you have a good handle on the basics of investing? Take this 10-question quiz to see how you rate on basic investment skills. 1. If you buy a share of company stock, a. You own a part of the company. b. You have loaned your money to the company. c. You become responsible for the company’s debts. d. The company will return 100% of your investment to you, with a fixed rate of interest.

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Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several ways that you can finance the costs of the care. Assisted living. If your parents are healthy seniors who can look after themselves, they generally are eligible to enter a continuing-care retirement community that allows

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Dear insert prospect name: Tax season can be stressful and can stir up conflicting emotions. While it is rewarding to note the growth of your earnings and assets, paying more taxes on those gains can be frustrating. I have the knowledge and experience to help you develop effective tax season strategies with your tax advisor to ensure that you are positioned to: • Pay no more than your fair share in taxes • Develop an

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For example, if you earned an average 8% rate of return annually on an investment taxed at 28%, your after-tax rate of return would be 5.76%. A $50,000 investment earning 8% annually would be worth $107,946 after 10 years; at 5.76%, it would be worth only $87,536. Reducing your tax liability is key to building the value of your assets, especially if you are in one of the higher income tax brackets. Here are five

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As the end of the year draws near, the last thing anyone wants to think about is taxes. But if you are looking for ways to minimize your tax bill, there's no better time for tax planning than before year-end. That's because there are a number of tax-smart strategies you can implement now that will reduce your tax bill come April 15. As the year begins to draw to a close, consider how the following

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