Recent News

Understand and Plan for Retirement Risks

Sep 26, 2017

As we transition from pre-retirees to retirees and we begin to spend from our assets, our need for how our wealth is managed also changes. Retirement becomes much less about a focus on return on investments and instead becomes a focus on...

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Health Savings Accounts Reconsidered

Sep 26, 2017

Medical expenses will be growing in retirement. Medicare is not an end all and will not cover all our health-related costs. Health savings accounts (HSA) help offer a creative solution to help meet this gap. To gain the maximum benefit of an...

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Social Security Changes and Retirement Planning

Oct 11, 2016

Social Security rules which provided some planning opportunities for those approaching retirement were restricted with the Bipartisan Budget Act of 2015.  As of May 1, 2016, those who are under age 66 will be unable to use planning strategies...

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Another Perspective on Reverse Mortgages

Oct 11, 2016

You probably never think about the value of your homes as a potential resource for retirement. Conventional wisdom would tell you to preserve the home equity as a last resort option.  If the value of your home did not need to be used it could be...

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Strategize to Ready for Retirement

Sep 9, 2015

Strategize to Ready for Retirement Being ready for retirement is no small undertaking. Taking the time to address questions and concerns about retirement and understanding some of the bigger risks we face as we approach retirement can help...

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Timing Plays an Important Role in Retirement Success

Sep 8, 2014

So you finally reached retirement which you worked so hard to achieve all your life. You have accumulated what you believe is an ample nest egg and you think you are home free to live out your retirement lifestyle by withdrawing 4% annually from...

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Tips and Strategies for Social Security

Sep 8, 2014

One of our biggest decisions regarding retirement involves when to elect Social Security benefits. We can elect to begin the benefit at age 62 but with an early election of benefits comes a permanent discount of 20% to 30% in annual payments for...

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Diversification of Retirement Income Resources

Feb 26, 2014

Never before have so many people retired so early, lived so long, and have been so completely on their own managing their retirement resources. Today, without pension plans as part of many retirees’ income resource pool more reliance is now...

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With a Long Term Care Event; Consider the Unintended Consequences

Jun 27, 2013

As a financial planner, much of my work involves the analysis of numbers and the pictures they paint to help my clients see their global financial situation and make informed decisions about their financial wellbeing. A long term care event...

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The Low Down on the Health Care Tax Laws for 2013

Jun 27, 2013

The new health care laws implement a 3.8% surtax on net investment income starting in 2013. These new laws add a new tax system which can impact your household income tax bill in several ways. First we need to understand what is considered...

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Congress Avoids Fiscal Cliff and Passes Act

Jan 2, 2013

The fiscal cliff was ultimately avoided at the last minute with Congress making some decisions on the Bush era tax cuts and tax provisions which would have lapsed. The deal which was brokered attempted to address the revenue side of the U.S...

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Keeping That Nest Egg

Nov 9, 2012

http://www.maineahead.com/roundtable-personal-finances/

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Watch Those IRA Rollover Rules!

Nov 9, 2012

A little planning advice could have prevented a $400,000 IRA rollover mistake. Have you ever heard of the "once per year" IRA rollover rule? Recently, an IRA owner lost more than $400,000 from his IRA because he violated this rule. To top it off,...

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