Converting Tax-Deferred Retirement Plans to Life Insurance to Save Income Tax and Estate Tax

Although most inheritances are free of income tax, money in a tax-deferred retirement plan is subject to income tax as income in respect of a decedent. In addition, the money in the tax-deferred retirement plan is subject to estate tax. This article describes a plannng technique that allows an individual to convert the money in a tax-deferred retirement plan to life insurance to make a bequest that is free of income tax and estate tax.

Retirement Myths

It is an unfortunate fact that many Americans spend less time planning for their retirement than planning for their vacations. All it takes is intelligent planning – and a clear understanding of the myths that hinder us from building a secure retirement.

10 Ways to Find Happiness In Retirement

Retirement is the beginning of a NEW YOU, A NEW Phase of life.

Revenge of the Baby Boomers: Changing the Face of Retirement

This article emphasizes the bold new wave of baby boomers who are jumping into new business endeavors and pursuing other valuable opportunities, rather than spending their “golden years” in what used to be perceived of as retirement.

Is It Too Late to Plan for Retirement? No Way, But An Annual Credit Report Is Essential

Find out what you will need to start planning for your retirement. You need the right tools & a good plan to ensure a comfortable financial future.

Can I Really Afford to Live in an Independent Retirement Community?

Maybe it’s the thought of mowing the grass, shoveling the snow, or the kitchen faucet that needs to be repaired. The multitude of responsibilities and maintenance involved in keeping up your current home may make the move to an Independent Living Community look very attractive. But is it affordable?

Retirement Gifts For Women

Retirement gifts are presented to an employee or employer by his or her boss, co-workers, or colleagues during the send off or farewell party. The gifts demonstrate that the employee or employer is appreciated and respected for the years of dedicated hard work she has put in. Retirement gifts can range from anything like travel vouchers to gourmet baskets and they can be as inexpensive or luxurious as you choose.

401(K) Investing For Your Retirement

The aging of the population and the potential failing of social security has brought the subject of saving for retirement to the forefront for many people. There are many avenues available to acquire the nest egg that we will need to survive on during our golden years. IRA’s, mutual funds, annuities and 401(k)’s are just some of the options to research as we prepare for our future.

Retirement or Re-routing?

Many people fear the prospect of unstructured time which comes with retirement. This fear has no basis if we understand retirement to be a kind of re-routing towards the unlived life that has been pushed to the periphery by the demands of livelihood, parenthood and ambition.

Get Started With Your Retirement Plan

When looking towards retirement many people just think about the joy of not having to work anymore. Unfortunately, even though a person retires they still have bills to pay.

Concepts of Retirement Planning

Retirement planning is becoming more important than ever before beause of several powerful societal forces. People are living longer after retirement, with fewer defined benefit pension plans, the trend toward multiple job and even career changes, and rising health care costs. Added together this all makes planning for retirement more critical now than ever before.

Your Next Move: Are You Ready for a Retirement Community?

Maintaining a house that is too big after the kids are gone can be difficult. Perhaps a retirement community is a better option. Informaiton on retirement real estate for the over 55 crowd.

Your Guide To Retirement Planning

In life, nothing is permanent in this world. Everything that comes will definitely go. That is why it is best to put our best foot forward and save more for the future. The best thing that you have to start with is to have a retirement plan.

Marriage and Retirement - Do They Mix?

Have you thought what retirement will do to your marriage? If one is still working while the other is retired, how will that work? If both are retired, will you get on each others nerves?