Archive - May 24, 2011

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The Best Time to Gift Money to Your Heirs is Now
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The Two Biggest Risks to Your Retirement Portfolio
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Why Working During Retirement Is The New Normal

The Best Time to Gift Money to Your Heirs is Now

If you have been considering strategies for passing some of your wealth on to heirs as tax efficiently as possible, you might want to know about an important window of opportunity for gifting. It’s available right now, but it may not be beyond 2012.

 

Among the many tidbits found within the December Tax Relief, Unemployment Insurance Reauthorization and Job Creation Act of 2010 are particularly favorable gift tax exemptions: an increase for lifetime tax-free gifting to $5 million/$10 million for individuals/couples, up from $1 million/$2 million. And if $5–$10 million isn’t enough, the tax rate on lifetime gifting amounts

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The Two Biggest Risks to Your Retirement Portfolio

For most Americans, their working years are their saving years. Their goal is simple, save aggressively and invest prudently to accumulate the retirement nest egg they’ll need to live on. Once they retire, the goal becomes converting that nest egg into a predictable “retirement paycheck” that will support their lifestyle for as long as they live. Accomplishing this requires carefully balancing between generating sufficient current income, while addressing the risks of inflation and poor investment returns that can affect the future growth and deplete the portfolio prematurely.

We’ll discuss some strategies to achieve these goals for the portfolio in the …

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Why Working During Retirement Is The New Normal

According to a recent survey of American workers conducted in February and March 2011, 39% of workers plan to work past age 70 or not to retire at all.

Last week the Transamerica Center for Retirement Studies released the results of its annual Retirement survey. The survey, conducted by the Transamerica Center every year since 1999, included a representative sample of 4,080 people working full or part-time for a for-profit business employing 10 or more people.

The results also reflect workers’ perceptions that it will be harder to retire in the future than they thought it would be a few …

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