Category Archives: Taxes

Your Retirement Health

Each week we consider ways to improve your retirement health. This week we look at the right things for each phase to maximize your savings and optimize your retirement.

Your Retirement Health – use the tools they give you during the accumulation phase.
We will harp on HSAs (Health Savings Accounts) until you have one…it will improve your retirement health, both ways. 4 Things You Should Know About Health Savings Accounts
Don’t miss an opportunity, either, especially those given to you. 3 Valuable Incentives to Save for Retirement
Plus, of course, maximize all those tools you are given. 3 Questions That Can Help You Get the Most from Your 401(k)

Your Retirement Health – the transition from wealth accumulation to distribution.
Not everyone has it made, especially when it comes to retirement savings. So, what can you do if you really are not prepared? A retirement plan for the working 99%
Even if you think you have enough, can you weather an extended period of low returns? Retiring Early in a World of Low Returns
One thing to be sure of is avoiding missteps anywhere in the process. Derailing the Plan: How Retirees Shoot Themselves in the Foot How Couples Screw Up Retirement Planning

Your Retirement Health – be creative when you do retire.
For the real adventurer … or simply someone who has not saved enough … explore your options beyond the borders. After this election, you may thank yourself as it improves your retirement health. 8 Countries Where $200K in Retirement Savings will Last 30 Years The World’s 10 Most Livable Cities A Breakdown of Costs for Those Who Want to Retire Overseas
If you are not that daring, there are always these great spots right here at home. 10 of the Prettiest U.S. Towns to Retire

Your Retirement Health – be aware of the investing/retirement environment.
These gems are exquisitely crafted, quick condensations of 50 years investment experience. These are data driven, data laden even, yet they are easy to grasp and worth remembering. Bob Farrell’s (Illustrated) 10 Investment Rules
Everyone knows how great the bull market has been since the bottom in 2009. You also know that central banks around the world have been stoking the fire constantly since 2008, or before. How do the two relate? Are they doing your retirement health any favors? Deutsche Bank Calculates How Much of the S&Ps Value is Due to Central Banks


We express solidarity with our friends in France, and with all who would disavow acts of brutality. We feel for the people of France, and all impacted by last night’s awful event in Nice.

There is high uncertainty in the world, from these too often terrorist acts to still fragile economies and a host of backlash political events. This lends ever more credence to our focus on helping you take control of your own retirement planning and related retirement success. For now, we will keep our posts consistent in format, zeroing in on fees, increased saving rates and generating income.

Improving your retirement, first focus on fees.
This is an old, old article, but very detailed and interesting. Hidden 401(k) Fees Are Stealing Your Nest Egg
This article nicely lays out for you some fees to beware of when investing. Understanding Investment Fees: From Brokerage Commissions to Sales Loads
While not spot on to our topic, the notion of doing smart things early, including watching fees, certainly is valuable advice. 5 ways to overcome obstacles between you and retirement

Improving your retirement, next focus on saving more.
Most people need to save more than they already do. Now you need to save more than you even thought because of market volatility and other factors. Market volatility raises the bar for retirement income savers
One other driver for the need to save more – the cost of being retired … most notably the cost of medical expenses in retirement. Do not forget a vital, big cost that is coming. 5 ways retirees can control long-term health-care costs
While it is little consolation, realize that you are not alone, and likely not in the worst position with respect to your accumulated savings. Guess How Many Americans Over 55 Don’t Have Any Retirement Savings

Improving your retirement, lastly focus on building an income stream.
We are not the only ones who understand that dividend stocks help build income with principal in retirement. Plus, with interest rates stubbornly low, negative in some places, dividend stocks offer an attractive alternative. That market interest drives down dividend yields. You need to be sharper to find the best options. Retirement Strategy: 3 Dividend Themes Still Ripe for the Picking
If you are interested in going deep on this, i.e. finding and buying dividend gems, this is a great article for you. How to Use Finviz to Find Bargain Dividend Stocks for Free
While it may be the flip side of income, avoiding taxes is another way for you to net more money in your pocket after tax. So, it is always a good idea to optimize your Social Security strategy, too. Here are some good tips. 5 Ways to Avoid Taxes on Your Social Security Benefits


Two days on from the historic vote, start considering the Brexit impacts on global geopolitics. This week has been an embarrassment of riches, with the Brexit, House Republicans tax proposal, and much more.

Geopolitics: The most important story of the week, Britain’s Brexit vote.
Here is a great collection of subject matter experts giving their prognostication on the geopolitics landscape in five years. The surprising quasi-common theme is a still smaller EU and a smaller UK, too. How Brexit Will Change the World
This is a freestanding take on the Brexit impacts, painting David Cameron as the bad guy in all this. Sure seems like Scotland and Northern Ireland are ‘in play’ now and likely to switch teams. David Cameron could go down in history as the man who lost Europe, Scotland and Northern Ireland
Inasmuch as we like to focus on your retirement and relevant investing ideas, Brexit may present a golden, short term opportunity. The Brexit Vote is a Buying Opportunity – Here’s Why

There was more consequential news this week.
House Republicans released their long awaited tax reform plan on Friday, purposely in the shadow of Brexit? Regardless, they threw in some surprises, and it is worth considering because, forget what presidential candidates say, their plan is most likely the foundation for anything that might actually happen. The Surprising Evolution of House Republicans on Taxes

Geopolitics aside, life goes on, consider this:
Say what you will about self-driving cars, it appears they are only accelerating (pun intended). This article puts it into perspective. The last driver license holder