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The Rich Person Roth: For The Most Tax-Free Retirement Income

November 16, 2018

Article by David Rae Forbes Contributor While the Trump Tax Plan was touted as a huge tax cut, many millions of Americans will still see their taxes go up in 2018. Residents of high-tax states like California, New York and New Jersey are the ones who will be mostly affected. Those individuals should be proactive and look…

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Small Group Special Open Enrollment Window

November 11, 2018

The Affordable Care Act (ACA) requires health insurers to offer a one-month Special Open Enrollment Period, where eligible small groups can enroll in coverage without having to meet standard employer-contribution and/or employee-participation ratios. The Special Open Enrollment Period occurs from November 15th through December 15th each year, allowing eligible small groups to enroll for coverage…

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Five Things to Know About Long-Term Care (LTC)

November 10, 2018

November is long-term care awareness month.  Here are five things you should know about LTC. Statistics vary on how many people will need LTC. With 10,000 people turning 65 every single day in America until around year 2030, there are varying statistics regarding the need for long-term care floating around out there—some as high as…

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How Can Market Downturns Affect Your Retirement Income?

October 30, 2018

For skiing enthusiasts, the concept of ups-and-downs is quite exhilarating. Just the thought of cutting powder on tall, sloping moguls can make even the “hard cores” blush. But as recent market volatility reminds us, the goodwill doesn’t apply to ups-and-downs in every situation. Sometimes it can bring just the opposite. Earlier this month on Morningstar, Director of Personal…

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Market Volatility is Back as Fed Hints at More Rate Hikes

October 25, 2018

Earlier this year, equity analysts started reaching for the Motrin again as market volatility came back to town. After a prolonged period of growth, U.S. stocks began charting a new path of ups and downs. Scores of commentators observed the change in market winds. Even Jack Bogle, founder of Vanguard, said the newfound market swings…

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This Nobel Prize-Winning Physicist Sold His Medal to Help Cover Medical Expenses

October 20, 2018

Nobel laureates are certainly top achievers. In 1988, Leon Lederman won a Nobel Prize for his work in physics. Apart from award-winning research into subatomic particles, he is famous for coining the infamous name of the Higgs bosin: the “God particle.” Lederman passed away in a nursing home in Idaho on October 4. He was…

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Medicare Annual Open Enrollment is Here

October 15, 2018

Every year a Medicare Open Enrollment Period, correctly referred to as the Annual Election Period, is made available for people who qualify for Medicare benefits. During the 2019 Annual Election Date, anyone who is eligible for Medicare Parts A and B can enroll in or make changes to their Medicare coverage. Part D & Medicare…

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How To Use Life Insurance In Your Retirement Planning

September 17, 2018

POST WRITTEN BY Jacob Alphin Founder of Rillhurst Capital LLC, an independent wealth management firm serving the Washington DC metro area. Investing in the market without taking losses — is it too good to be true? Not according to the University of Michigan’s head coach Jim Harbaugh. In August, University of Michigan helped Harbaugh become the…

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Roger Ibbotson Weighs in on Fixed Indexed Annuities 

August 16, 2018

When Roger Ibbotson recently published a new report on fixed indexed annuities and their place in an optimized retirement portfolio, everyone took notice. Few economists and financial researchers garner the attention and level of respect that he does. He is Professor Emeritus at Yale School of Management, former chairperson of research firm Ibbotson Associates, and chairman as…

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Legislative Change Reverses Obama-Era Coverage Duration Limit

August 2, 2018

HHS final rule on short-term, limited-duration insurance brings more flexibility and choices to consumers August 1, 2018 the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services (CMS) announced a final ruling regarding short-term medical coverage duration periods. Coverage can now cover an initial period of up to 364 days, and, taking…

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