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Index annuity update

July 1, 2018

Many investors have been increasing their allocations to index annuities as a way to reduce market risk while still maintaining reasonable growth expectations. As numerous insurance carriers have recently started offering “uncapped” index annuities, there are now several attractive alternatives to choose from.   Most uncapped index annuities will allow participation in a percentage of…

Past performance is no guarantee of future results

June 24, 2018

There is a universal disclaimer that warns investors not to assume that the recent results of any particular investment will continue into the future. Despite this warning, when contemplating potential investment strategies, investors tend to place excessive weight on recent performance. After all, who wants to invest in a fund that lost 20 percent in…

My first financial lesson

June 17, 2018

On this Father’s Day, I want to share with you the first financial lesson my father tried to teach me. When I was in the second grade, the public school lunch in the Philadelphia school district cost 60 cents. It included a protein, a milk a vegetable and dessert. One Monday before school, my father…

Tax shelter not just for the wealthy

June 10, 2018

The Blackstone Group LP has been pitching an innovative tax shelter to its ultra-wealthy clients. Invest your money with us and never pay any taxes. Blackstone, through its subsidiary, is recommending its clients utilize specially designed life insurance contracts to shelter their investment portfolios from state and federal income tax. Traditionally, life insurance policies grow…

Income planning

June 3, 2018

Once you are no longer working, you need to determine not only how much income you can afford to spend each year, but also from which accounts you should be withdrawing. Most people have some money in both non-qualified accounts, which may produce taxable income on a yearly basis, and some money in tax-deferred accounts,…

Reduce taxes by becoming a Florida resident

May 27, 2018

Florida is one of nine states in the country with zero state income tax; residents of New York, Pennsylvania and Massachusetts incur significant state income taxes and state death taxes. If you are reading this article, you are either a permanent resident of Florida or a visitor. Many visitors like it here so much they…

The Stock Market is Eyeing the Upcoming Presidential Election

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