Vanishing Equities

A recent Wall Street Journal article, citing a study by the Center for Research in Security Prices, tells us something remarkable about the times we are investing in: the number of stocks on the U.S. market has quietly diminished by more than half over the last 20 years.  In November 1997, investors could choose from […]

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Chart: Young Adult Milestones, 1975 vs. 2016

The following pie charts compare four common milestones of adulthood — getting married, having children, working, and living independently — achieved by young adults ages 25 to 34 in 1975 and 2016. The data indicates that the experiences of young people today are more diverse, with fewer accomplishing all four milestones in young adulthood. Instead, […]

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How do the economic milestones of young adults today compare with prior generations?

If you’re the parent of a young adult who is still living at home, you might be wondering whether this situation is commonplace. According to a recent U.S. Census Bureau study, it is: One in three young people (ages 18 to 34) lived in their parents’ home in 2015.

The Census Bureau study examines how the […]

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Working in Retirement: What You Need to Know

Planning on working during retirement? If so, you’re not alone. Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. Here are some points to consider.

Why work during retirement?

Obviously, if you work during retirement, you’ll be earning money and relying less on […]

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Why Older Adults Are So Susceptible To Financial Fraud

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A survey from 2010 revealed that Americans over the age of 65 years old reported that they had fallen victim to financial fraud or abuse.

Studies have been conducted to find out as to why older adults [for this instance baby boomers] are more susceptible to abuse and scams. A study conducted by […]

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How To Get Past The Resistance To Hire A Financial Advisor

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Author Michael F. Kay writes a three-part series about why individuals should hire a financial advisor, and how to overcome the resistance of doing so. The three part series is broken down as follows:

1. Part I – why individual do not seek out help,

2. Part II – 4 major questions for an […]

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Estate Planning Tip: Creditor Protection for IRAs & Beneficiaries

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Individual Retirement Accounts (IRAs) have the potential benefit of creditor protection in the event of bankruptcy. If you are going through a bankruptcy proceeding then your IRAs will be protected against most creditors; in other words your IRA assets will be safe and no one will be able to seize them. It […]

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Charitable Donations: A Tax Deduction Primer

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Charitable donations are admirable gifts, and ones that can be made in the forms of cash, check, credit card or payroll deduction. When it comes to the Internal Revenue Service (IRS) they require proof that you made donations, and the responsibility of receiving and documenting that proof falls onto you – the […]

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Can A Person Leave Their Step-Children Nothing If Spouse Dies Without A Will?

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New marriages where one person, or both, brings children into the relationship raise the question of “can a person leave their step-children nothing, if the spouse dies without a will?” Surprisingly, cases involving stepparents and stepchildren are very common.

It’s important to ensure that all documents are aligned and have the beneficiaries properly designated […]

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10 Ways To Fend Off Medicare Surtaxes And Social Security Givebacks

Listed below are 10 ways to fend off Medicare surtaxes and social security givebacks:

  1. Maximize retirement
  2. Have an HAS
  3. Avoid state refunds
  4. Use your IRA for charity
  5. Recognize capital losses
  6. Own index funds
  7. Taper your career
  8. Own munis
  9. Leverage rental property
  10. Optimize your divorce


Visit the original Forbes Article to learn more in-depth details about each of these 10 ways.

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