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Retirement Planning

Retirement Planning

Information related to Retirement Income Planning

Taxation

Can capital losses offset qualified dividend income?

What are long-term capital gains and how are they taxed?

How Are Social Security Benefit Taxes Calculated?

Effective Tax Rate versus Effective Marginal Tax Rate

What is income-related monthly adjusted amount (IRMAA) and how is it illustrated in Tax Clarity?

What is a "Tax Torpedo" in Tax Clarity?

What is the Net Investment Income Tax (NIIT)?

What is a Qualified Charitable Distribution (QCD)? Can it lower my Taxable Income?

Can capital losses be carried forward for tax purposes?

How does Covisum software account for state taxes?

How is the Medicare Surtax calculated in Tax Clarity?

How does Tax Clarity illustrate the saver’s credit?

How do you determine total taxable income in Tax Clarity?

How are taxable Social Security benefits illustrated on the Tax Map?

Which effective marginal rates are displayed in Tax Clarity?

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Roth Conversions

How does one "read" the Tax Map in Tax Clarity?

How do I illustrate a Roth conversion?

How does Tax Clarity help me identify Roth conversion opportunities?

Planning Techniques

Can Income Insight account for QLACs within calculations and analysis?

How are loans from a Defined Benefit Plan handled in Income InSight?

What is defined as a rollover in Income InSight?

Where in Income Insight, will I see the taxation on a Roth conversion?

"Stretch" IRA

What is a Qualified Longevity Annuity Contract (QLAC)?

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Risk

How does SmartRisk calculate the expected return?

What are "Equity Glide Paths"?

Is loss aversion the same as risk aversion?

Understanding SmartRisk: An Advanced Approach to Portfolio Risk Measurement

How Does SmartRisk Calculate an Expected Return?

What Type of Holdings Will SmartRisk Consider in the Risk Analysis?

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General

How are required minimum distributions (RMDs) calculated?

How Do I Show Clients the Impact of the SECURE Act?

Insurance

Premiums on Permanent Life Insurance Policies With Long-Term Care (LTC) Riders