Before
considering the merits of a Roth conversion, it is necessary to
discuss the benefits of Roth IRAs in general. The following are
several advantages of Roth IRAs:
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Improving
financial markets have created a renewed interest in charitable
gifting. One particular tool that we have found to be very effective
in helping clients achieve their charitable objectives is
donor-advised funds.
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Revocable
Living Trusts have increasingly become a
popular tool used in estate planning. A revocable living trust is a
legal arrangement created
for the purpose of holding ownership to an individual's assets during
the person's lifetime, and for distributing those assets after death.
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Bonds
are fixed income securities which pay investors a set interest rate
for a pre-determined period of time and then return the original
principal at their maturity. There are many different types of
bonds. Corporations often raise money by issuing bonds in addition
to selling stock. Governments often use bonds to pay for their
ongoing operations or specific projects, such as highways or new
construction.
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The
Federal Reserve Board’s decision to stop raising the federal funds
rate several months ago made many ask the question – Where is the
economy headed now? Are we in for a sustained period of economic
growth or are we headed down the road to an economic slowdown, or
even a recession?
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Whenever
a loved one passes away, the grief can be more than a person can
bear. However, the grief coupled with the burden of settling their
loved one’s estate can be overwhelming. Here are a few things you
can do to make the estate settlement process easier for your heirs:
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Exchange Traded Funds
(ETFs) are investments that offer many of the benefits of a mutual
fund, but trade like an individual stock.
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What
would your family do if you had a temporary or permanent loss of
income? While most could handle a short-term loss of income such as
a job loss or temporary illness, few families can financially endure
a more sustained loss of income.
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