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Why Athletes Lose the Money Game

As the San Francisco Giants and the Kansas City Royals prepare to square off in the World Series, it’s worth mentioning that both team’s players are already winners—at least when it comes to their bank accounts. The teams’ combined payrolls are a whopping $238 million.

Get a Tax-Smart Plan for In-Retirement Withdrawals

The following sequence may make sense for retirees to preserve the tax-saving benefits of tax-sheltered investments for as long as possible. 1) For retirees over age 70 1/2, the first stop for withdrawals are those accounts that carry required minimum distributions, or RMDs, such as

Your Money & the Markets in September

The U.S. market was up 4.19% in August after a modest pullback in July. Some of the drivers of the stock market included monetary policy news from Europe as well a number of generally positive economic news out of the U.S. Europe: The ECB announced

The Big Social Security Question: When?

When we’re far from retirement, Social Security seems so simple: You pay your taxes during your working years, and when you stop working, you receive a stream of income. But as you get closer to actually retiring, Social Security begins to look about as simple

Concerned About Longevity? Three Mistakes to Avoid

Longevity is often cheered as an achievement, but the downside of living well beyond one’s average life expectancy is that it can strain (or worse, completely deplete) an individual’s financial resources. The first step in addressing longevity risk is to evaluate just how great the

Your Money & the Markets in August

The U.S. market declined in July after accumulating some very healthy gains over the past 18 months. A lot of earnings reports from around the world (and especially from Europe) were soft, which didn’t help matters. Other worrying news included the Argentinean bond default, new

Why Baby Boomers Need Taxable Accounts

Imagine grabbing a cookie from the cookie jar and finding a shockingly large tax bill attached. That, in a nutshell, is what’s happening to far too many wealthy retirees today. These retirees aren’t reaching for cookies, of course—they’re tapping their IRAs to pay for somewhat

How to Widow-Proof (or Widower-Proof) Your Portfolio

Plenty of people who pass away or become debilitated leave their spouses with overly complicated financial plans, too little information, and no clear instructions about where to turn for help. Below are some of the key ways to make sure that doesn’t happen to your

When Tax Deferral Backfires

For decades, we investors have been encouraged to defer the taxes we pay: By investment companies, by our employers, by financial advisors, and even by the government that’s supposed to be collecting those taxes. Every baby boomer has learned that deferring taxes as long as

Your Money & the Markets in July

Economic data from the past month revealed some positive trends, with upbeat employment numbers for June being the biggest headline. In addition, weekly shopping center data have now broken out to new highs; auto sales exceeded all expectations in June despite some strong headwinds, and