In-Service Withdrawals: 401k withdrawals while you are still working
You should become familiar with the terms of your employer's 401(k) plan to understand your particular withdrawal rights (more...)
Buy-Sell Basics
What is a buy-sell agreement?Business succession toolEvents like the death, disability, or retirement of an owner don't have to mean the end of the business. [...]
Buy-Sell: in-depth considerations
Transferring Your Business Interest with a Buy-Sell AgreementWhat is a buy-sell agreement?Business succession toolEvents like the death, disability, or retirement of an owner don't have [...]
Long-Term Care—Annuity Hybrids: New alternative to long-term care insurance
Long-Term Care Annuities When planning for the potential cost of long-term care, you've probably considered long-term care insurance. But premiums can be expensive and if [...]
All about Self-Directed IRAs
Just because a self-directed IRA allows you to choose certain investments, it doesn't mean that you should. Some investment choices aren't suitable for all investors.Certain [...]
Monte Carlo Simulations
MONTE CARLO SIMULATION Rolling the dice on returns. When someone walks into a casino in Monte Carlo and rolls a pair of dice at the [...]
The ‘Golden Handcuffs’ Concept
“GOLDEN HANDCUFFS” FOR KEY EMPLOYEES A way to “sweeten the pot” and retain executives and managers. A job that is simply too good to leave. [...]
Looking ahead: the upcoming health care changes, 2012-1014
HEALTH CARE REFORM – THE NEXT 3 YEARS A look at the changes coming in 2012, 2013 & 2014. Companies sponsoring group health plans [...]
Financial Checklist for year-end, 2011
The end of the year is a good time to review your personal finances. What are your financial, business or life priorities for 2012? Try [...]
Believe it: US is now net exporter of petroleum
Liam Pleven and Russell Gold, writing for the Wall Street Journal, point out an amazing fact, one that certainly flies in the face of conventional [...]
10 End-of-Year Tax Tips – 2011 Edition
The window of opportunity for many tax-saving moves closes on December 31. So set aside some time to evaluate your tax situation now, while there's [...]
New student debt repayment plan (2011)
On October 26, 2011, President Obama announced a plan that seeks to help college graduates pay back their federal student loans. The plan is an [...]
Social Security and Medicare figures for 2012
COLA will be paid in 2012; Medicare costs rise less than predictedIf you receive Social Security or SSI benefits, here's some good news--the Social Security [...]
IRA and Retirement Plan Limits for 2012
IRA contribution limitsThe maximum amount you can contribute to a traditional IRA or Roth IRA in 2012 remains at $5,000 (or 100% of your earned [...]
Life is made of stories…
What does it take for the stars to line up? We will never know the answer to that question. Gazing upwards, watching and waiting, time [...]
Employee Benefits Overview
Offering Employee BenefitsIn today's competitive job market, an attractive employee benefit package can be a useful tool to help you recruit new employees and retain [...]
2011 Medicare Open Enrollment: Dates have changed
What is the Medicare open enrollment period?The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick [...]
States owe Uncle Sam $38B for unemployment insurance
Sara Murray, reporting (1) for wsj.com, reports on the $38 Billion owed to the federal government by 27 states for unemployment benefits. At a tricky [...]
Cross-tested (new comparability) retirement plans
A new comparability plan is a qualified profit-sharing plan that can have more substantial contributions for favored employees (usually higher-paid workers and key employees). With [...]
The Stand-Up Desk Craze is (easier on the) back
Jim Carlton writes in the Wall Street Journal about the 'new' trend in workplace desks: standing up to work. I tried this once, and I [...]