Hidden Value: Beware the Social Security Tax Torpedo

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he discusses how combinations of different retirement incomes can create ugly distortions in tax rates. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Taxes, Retirement, Tax Clarity

Hidden Value: How to Help Retirees Pick the Right Life Insurance

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week Joe tackles how to help clients pick the right life insurance. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Retirement, life insurance

ThinkAdvisor: Covisum's advisor and quant discuss how to plan for health care costs in retirement

Posted on June 12, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. Check out the most recent installment, "How to Plan for Retiree Health Care Costs." 

This week, we asked Joe and Ron how to plan for health care expenses in retirement. 

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Posted in ThinkAdvisor, Advisor, Quant, The Advisor & The Quant, Ron Piccinini, PhD, Joe Elsasser, Retirement

3 questions that make creating a retirement investment strategy easier

Posted on May 21, 2018

Crafting a retirement investment strategy can be a daunting task for many people, even when they have a great financial advisor. The best way to help your clients get started is to remind them to slow down and answer three questions.

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Posted in FinancialPlannng, portfolio risk, Industry Advice, Retirement, Risk, Retirement Age

Help your clients avoid the "tax torpedo"

Social Security Timing® subscribers have helped clients save for retirement and have given them coaching on when to start taking Social Security benefits. But do you understand the impact of other income on the taxability of Social Security benefits?

Understanding how different sources of income interact is critical, according to Greg Geisler in the September, 2017 Journal of Financial Services Professionals. Because of how Social Security benefits are taxed relative to other income, it can

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Posted in Tax Clarity, Journal of FSP, Taxes, Retirement

Women & money: the retirement planning opportunity you may be missing

Posted on May 24, 2017

A new study reveals that although women are taking control of household finances, they’re unprepared to meet long-term financial goals and are not seeking financial planning advice.

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Posted in Retirement, women in retirement, Tax Clarity, Social Security, Social Security Timing

Charting the retirement course on Covisum's Tax Map

Posted on May 23, 2017

Case Study: The Real Tax System

John and Jane are married and will be filing jointly. They are both over 65 years old. They have $50,000 in combined Social Security assets, $15,000 of net long-term capital gains, and $25,000 in IRA distributions.

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Posted in Tax Map, Tax Clarity, Tax, Retirement, case study

The Arrow Group member feature: Jeremy Armagost

Jeremy Armagost, CFP® RICP® has earned his Master's Degree in Financial Planning from the College for Financial Planning. He has also earned the RICP® designation which is an advanced designation dealing with retirement income planning.

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Posted in Blog, Industry Advice, Retirement, Social Security, The Arrow Group

Improving lives through better retirement decisions

Financial advisors, now more than ever, must demonstrate value to clients in order to maintain and grow their businesses. But how?

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Posted in Blog, Claiming Strategies, Free Download, Industry Advice, Planning Techniques, Retirement, Social Security

How deductions and exemptions can snowball

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Posted in Blog, Fiduciary Rule, Free Download, Planning Techniques, Retirement, Tax Clarity, Tax Map, White Paper