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Not much. For the media it means headlines and talking points. For traders and speculators, it may be an excuse to make some trade based on expected short-term outcomes. For investors, it means nothing except for its potential to distract you from what really matters.

What is an RMD (required minimum distribution)?
An RMD is the minimum amount that must be withdrawn from a retirement account each year.

Who is A Spousal Beneficiary?

A spousal beneficiary must be married to the account owner at the time of the account owner’s death and he or she must be named on the beneficiary form (or inherit directly through the document default provisions). A spousal beneficiary has a number of unique options.

What is the 10% penalty?

What does the basic process entail?

An income tax refund can be directly deposited to an IRA up to the annual contribution limit. The contribution limit is $5,500 ($6,500 for individuals age 50 or older) for 2017. It can also be split among multiple accounts.

It is tax time! Prepare your tax return for the year.

What are the ordering rules?

What is a Roth IRA recharacterization?

In the simplest of terms, a Roth IRA recharacterization is an “undo.” It erases a Roth IRA conversion, and the conversion is treated as if it never occurred.

What is a 60-day rollover?

A 60-day rollover is the distribution of funds from a qualifying retirement account,payable to the account owner who then has 60 days to redeposit the funds into another qualifying retirement account.

Johns Hopkins University has developed materials to assist in planning to "age with dignity." Some of the areas covered are; "Is your home safe?", "What do you need as you age?", "What are your housing options?" "What is right for me?"

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I know at times it can seem that the rules we follow to safeguard client information can be burdensome and, we may sound like a broken record when we ask you to NEVER send private information via email. Recently, two of our clients were victims of email hackings, and with their permission, I would like to share their stories with you.