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How to appeal your Medicare surcharge
There are about 4.3 million Medicare beneficiaries that pay more than the standard amounts for Medicare Part B and Part D. Income related monthly adjustment amounts (IRMAA) is a surcharge based on your tax return from two years prior which…
Seven questions to answer to avoid confusion or fights after you die
While most of us would like to think that estate planning is something we can put off or is that simple, but there are typically more than 100 tasks your executor will need to handle to settle your estate. Also,…
Why you should have a health savings account
Do you want to stretch your healthcare dollars further? Do you want a triple tax benefit? Do you want another way to save for your retirement? Then you want a health savings account. The attached article explains all you need…
There are ways to make retirement easier
Planning and saving for retirement can be stressful and confusing. Don’t know where to start? Don’t know how much you will need? You hate math? In Selena Maranjian’s article, she explains how five things, and yes, it involves some easy…
Avoiding these retirement planning mistakes
We all try to avoid making stupid mistakes especially when it comes to something as critical as our future retirement. But many of us do without even knowing that we made them. The attached article outlines eight retirement investing mistakes…
Why your home is not a solid retirement plan
An overwhelming majority of Americans, 90 percent, view their home as a financial asset and 10 percent say their home is the biggest part of their retirement plan according to a report from co-investment firm Unison. If you are thinking…
Bipartisan talks underway on Retirement 2.0 savings package
A bipartisan discussion has begun centered on House Ways and Means Chairman Richard E. Neal’s proposal to require businesses with at least 10 employees to offer retirement plans and automatically funnel a portion of their worker’s pay into savings. Analysts…
New Rule Modernizes How We Award Disability Benefits
(Source: Social Security Administration) The Social Security Disability Insurance and Supplemental Security Income programs protect some of the most vulnerable people in our society. A successful disability program must evolve and support making the right decision as early in the…
Three non-401(k) options to save for retirement
There is no argument that a 401(k) is your first and best choice for retirement savings. You can put your saving on autopilot, get a tax deferral on your contributions, and possibly free money via employer-match contributions. However, even access to a…
Will Social Security be taxable in retirement?
Many soon-to-be retirees are confusing taxes taken from their paycheck with their income taxes. You will no longer be paying Social Security and Medicare payroll taxes once you’re retired and living on unearned income, but you will still be subject…