Author: Rick Henderson, CPA, CFP®, AIF®

Helping Your Parents – and Yourself – Live Better Lives Into Retirement

Most Americans strive to live longer than their life expectancy.  Quality of life is a very important factor as well. In a 2018 poll by Axios.com, almost 7 out of 10 men want to live past age 77, the average life expectancy for men, and 57% of women would like to live past age 81, the average life expectancy for women.  In that same poll, when asked if they would like to live past 100, nearly half of the respondents said it depended on how much pain they were in or whether they would be able to live independently.1  It is widely recognized that many uncertainties and challenges come up as people age.  So, what are some things you can do to help yourself or your parents live better lives as you approach age 70, 80, and beyond?

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Retiring During a Volatile Market: 5 Items to Consider

The past couple of months have been a tumultuous ride for investors. In mid-February, the Dow Jones Industrial Average (DJIA) reached its peak.  Soon after, the markets were engulfed by extreme volatility, generating record single day losses and ending the long-running bull market in early March; yet, recently, there has been a partial recovery in the markets. While ups and downs in the markets are normal, research has shown that the actual sequence of those market returns (the order in which they are going up or down) within the first five years of starting withdrawals from your retirement assets can have a significant impact on your long-term retirement income.  

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A Common Sense Guide to Heart Health

Want to see some amazing results in your life? It’s been said that a man with health has a thousand dreams, while a man with no health has but one. Don’t you owe it to yourself, your family, your career and your community to have not only a thousand dreams, but also the energy and engagement to make them happen?

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Business Owners: Beat the Odds by Preparing Your Company for a Successful Sale

When talking with my clients who own businesses, many of them have a goal to sell their business for full value so that they will be able to fund the retirement lifestyle they desire, take care of their family, and support the charitable intentions that are important to them. Unfortunately, many owners will probably not be able to sell their businesses when they are ready because they are not taking critical steps needed toward a transition or toward getting the full value of their enterprise, even though many of them have 80-90% of their financial assets/net worth based in the business itself. 1 The fact that most business owners are not taking the critical steps to prepare their businesses for sale is supported by a recent study conducted by the Exit Planning Institute that showed that only 20-30% of the businesses that go to the market actually end up selling.2 If you are a business owner and your plans include selling your business sometime in the future, what can you begin doing today to enhance your business’ value and make it more attractive to a future buyer?

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Creating a Tax Efficient Retirement Withdrawal Strategy

In working with my retired or soon-to-be retired clients, perhaps the most frequent question I am asked is “What is the best way to withdraw from my investment and retirement accounts in retirement in order to provide me my desired retirement income?” I believe they ask me this question because many of them have investments in a mix of different accounts with varying tax characteristics such as taxable investment accounts, IRAs, 401k or retirement plan accounts, Roth IRAs, and possibly real estate investments such as rental property. In addition to that, they may also have retirement income coming in from multiple sources and at different times such as Social Security income, pension income, and deferred compensation. If you are interested in increasing what you can spend in retirement and reducing the impact taxes have on your retirement nest egg, it is important to have a multi-year retirement income plan that takes into account the impact taxes will have on both your retirement income sources, and the withdrawals you take from your different investment and retirement accounts.

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