Latest Posts

Retained Life Estate: Open the Door to Tax Charitable Deductions

by Nathaniel Carswell on Oct 9, 2017

A home is a place to rest your head, to create memories, and to cook dinner. It’s where your pets are—your family. What people most often forget about their home is that it’s also your most valuable financial asset. And, if one of your financial goals includes a testamentary gift to charity, while also receiving substantive income tax deductions, this asset is important.

Insuring Lifetime Income Sufficiency with a Split Annuity

by Nathaniel Carswell on Oct 2, 2017

Annuities have provided retirees with a safe and secure retirement solution for generations.  Deferred annuities have been a solid way to accumulate retirement assets on a tax deferred basis, and immediate annuities are still considered to be the soundest way to generate a dependable, guaranteed income for life, or for a specified period.

All Gain with no Pain? What You Need to Know About Indexed Annuities

by Nathaniel Carswell on Sep 25, 2017

The annuity industry must have studied the story of Goldilocks and the Three Bears because, after recognizing that investors weren’t very keen on low fixed yields or the vicious volatility of the stock market, they came up with a product, that for most people, would seem to be just right – Indexed Annuities.

When Life Insurance Makes Financial Sense in Retirement

by Nathaniel Carswell on Sep 18, 2017

When most people think about life insurance, it is something to be purchased when we’re young with financial responsibilities and dependents to protect. Any discussion about purchasing life insurance after we retire is often met with strong opinions as to whether or not it makes any financial sense. After all, the cost of life insurance increases significantly over the age of 65.

Three Reasons Why Life Insurance is More Than Just a Death Benefit

by Nathaniel Carswell on Sep 11, 2017

Life insurance is universally recognized as an essential pillar of a financial plan for providing much needed capital in the event of a breadwinner. It is also fundamental to other planning needs, such as estate planning to pay for settlement costs and taxes, and business planning for business continuation or key person protection. However, considering the remarkable tax properties of permanent life insurance, it should also be considered as foundational planning tool for an entire financial plan. Here are three reasons why:

Calculating Retirement Savings: How to Add Up Your Financial Future Success

by Nathaniel Carswell on Aug 28, 2017

How much money do I need to retire?

This is probably the question financial planners are asked the most when clients walk in to discuss retirement freedom. A simple question, in theory, but not an easy answer. Understanding what your optimal retirement savings are means peace of mind in your golden years.

Smart Taxes: Roth IRA

by Nathaniel Carswell on Aug 23, 2017

Retirement, Savings

Without fail as Tax Day approaches every year, the mind whirls while you check boxes and fill in numbers about everything you could have, should have, would have done to save more money on taxes. Could you have saved more? Invested better? Been smarter at charitable giving? Probably.

Investing for Retirement: What Would Warren Buffett Do?

by Nathaniel Carswell on Jul 26, 2017

Retirement

Caught in an extraordinary convergence of unhinged stock market volatility and historically low interest rates on savings, many people are rethinking their plans and their vision for the future, especially as they consider the prospect of having to stretch their retirement income over 25 or 30 years.  A study conducted in 2015 by the Employee Benefit Research Institute found workers of all