Posts by Dan Moisand
Is it better to leave a 401(k) account with a former employer or roll it over to an IRA?
Making News… We produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and Nerd Wallet among others. Here is a sampling from the last three months. How a mutual fund sale might affect your taxes Is a long-term-care/life-insurance combo better than a straight one? When RMDs start for workers…
Read MoreInvestments to avoid when interest rates rise
We proactively seek out the best investment vehicles for our clients’ portfolios. To spur new sales, Wall Street is constantly creating new products or repackaging existing ones, so our search is ongoing. Sometimes their products are useful innovations but most of the time that is not the case, such as in the bond market.…
Read MoreCan you count on Social Security?
Many times in life, we find ourselves riled up about a rumor we hear which may or may not be true. Rumors, not facts, raise our blood pressure and make us angry, fearful or worse. Headlines such as “Financial Outlook Dims For Social Security” and “Social Security Slipping Closer To Insolvency” may have this effect…
Read MoreCan I just live off interest?
Making News… We produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine, the Journal of Financial Planning, and Nerd Wallet among others. Here is a sampling from the last three months. How nonworking spouses can contribute to IRAs Investors, remember, trading is not investing How inheriting an IRA affects…
Read More6 Tax Planning Strategies for Better Investment Returns
A mistake we see prospective clients make is not spending enough time tax planning. Their tax planning is usually done after their taxes are filed, if at all. Taxes represent one of the largest drains on a family’s financial assets so managing its effects is important. “Manage” is a good word for what we do.…
Read MoreOverlooked aspects of Roth accounts
“Tax free earnings”- that sure has a nice ring to it! Roth IRAs and Roth accounts in retirement plans such as 401(k)s and 403(b)s are increasingly popular because earnings can be exempt from taxes if you follow the many rules. Rules apply with regards to: contributing to Roth accounts, converting funds in a traditional IRA…
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