An old friend of mine works for a technology company in Utah. The company was recently acquired, and he will receive $1,000,000 from the company’s Restricted Stock Unit Plan . He is already in a high tax bracket from his regular income and his RSU payout will only compound his tax problems. He stands to lose between 40-45% of his RSU payment to taxes! So how does one deal with the RSU payment tax bomb?...
The other day I saw a headline “Cancer overtaking heart disease as leading cause of death in many states” . The headline grabbed my attention and I continued to read to see if my state was one of the states where cancer was on the rise. Upon further investigation I found that cancer deaths per capita are lower now than at any time in recorded history. What is really happening is that with fewer smokers...
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Since 2009 investors have been well rewarded for owning equities. One surprising characteristic of this bull market has been the low volatility many investors have experienced. We really haven’t seen much of a pull back until the end of September of this year. With this return of volatility to the market, a discussion of what volatility means to you as an investor seems warranted. The price investors pay to achieve inflation beating returns is volatility....
At retirement, once you have made thoughtful decisions about how to get the most out of your Social Security and pension the balance of your retirement income will have to come from your investments. The distribution of your investments will need to be coordinated with these other streams of income for tax purposes, as well as to help you stretch your income out to last a lifetime. We liken the accumulation and distribution of retirement...
Past generations took little thought regarding how they would maximize their Social Security benefits. After all, it really didn’t matter how and when benefits were claimed if the retiree lived only a short time after retiring. Today, with the real possibility of living three decades without a job or paycheck, retirees need to do all they can to squeeze the most out of Social Security. Over its almost eighty years of existence, Social Security has...
Scott Peterson |
We have shared other blogs with you that offer you some insight to the very temporary nature of a bear market as well as the illusion that equities are a dangerous place to invest . With these two blogs as a foundation, we would like to warn about certain types of investments that could really do serious damage to your retirement. These investments not only have horrendous track records, but they are almost exclusively purchased...
If you’re approaching retirement age, you may be considering a move to a more retirement-friendly state, particularly if your current state of residence imposes numerous taxes on social security, pensions, and other retirement income. While making the decision to relocate is not something that can be done lightly, there are a variety of options available nationwide that may allow you to retain more of your retirement income. Of course, taxes alone are not the only...
GRAND ILLUSION #4: EQUITIES ARE TOO RISKY AND SHOULD BE AVOIDED It happens all too often. The office receives a phone call or an email from a nervous investor who has been surfing the internet or watching their favorite news network. They’ve come across an article, a headline, or an advertisement proclaiming that the stock market is poised to drop by some cataclysmic amount. Further, the advertisement promotes the idea that the stock market is...
When looking for any professional advisor, it is important to be able to match their characteristics, temperament, client profile and experience level to your own profile. Would you like to learn from a retirement specialist who has worked with retirees for the last 30 year? Scott M. Peterson, ChFC is a true expert in the field of retirement planning and literally wrote the book on retirement income planning. Request a complimentary copy of our new...
Grand Illusion #3: The Persistence of Performance “If past history is all there was to the (investment) game, the richest people in the world would be librarians.” -Warren Buffett If you have ever bought shares of stock, a bond, or shares in a mutual fund, you were presented with the following disclaimer: “ Past performance does not guarantee future results. ” The U.S. Securities and Exchange Commission requires it and the SEC is right, there...