Couples and Money: When Together Is Better

December 23, 2019 Kiplinger Magazine by: Miriam Cross If you’ve been married for a few years, you and your spouse have probably figured out which expenses and bank and credit accounts to share and which to keep separate. But when it comes to your big-picture finances–such as getting the most out of your retirement plans, coordinating health coverage and lowering …

How to Downsize Your RMDs

October 3, 2019 Kiplinger Magazine by Miriam Cross   You must start taking required minimum distributions from your IRA at age 70½. But you can reduce the tax bill.    After you’ve spent decades diverting a healthy stash of cash to your tax-advantaged retirement accounts, you need to start withdrawing a chunk of it each year once you turn 70½. …

If your student debt disappeared, would you save more for retirement?

June 26, 2019   MarketWatch by Alessandra Malito   Democratic candidates Bernie Sanders and Elizabeth Warren take aim at ballooning education loans Student debt is one of the biggest obstacles to contributing enough — or, some say, anything — for retirement, but what would happen if Americans didn’t have that burden anymore? Bernie Sanders, the Vermont senator running for president …

Limited deduction rubs SALT into taxpayer wounds

February 8, 2019 InvestmentNews by Marc Schoeff Jr.   Financial advisers bear bad news related to the state and local tax deduction that could surprise clients Financial advisers and accountants for people who live in high-tax states will be delivering a difficult message over the next few weeks: You’ll pay more in taxes. The reason for the increase is a …

Wharton Business Radio: In The Workplace

October 4, 2018 Wharton Business Radio   Hosts Peter Cappelli and Dan O’Meara are joined by Ann Gugle (Principal, Alpha Financial Advisors, LLC) on the Thursday, October 4, 2018 edition of In the Workplace.   In the Workplace: October 4, 2018

Retirees, Go Ahead and Spend a Little (More)

October 3, 2018 Kiplinger’s Personal Finance by Anne Kates Smith Successful savers have prospered by living below their means. Frugality often becomes a preference—sometimes to an excessive degree. It’s no secret that many Americans have not saved enough for retirement. But here’s the flip side of the coin: retirees who don’t spend enough of their savings. A recent study by …

Advisers use tax planning as a hook to find more clients

March 9, 2018 InvestmentNews by Jeff Benjamin Most tax professionals will acknowledge that the eight weeks leading up to April 15 is the most exhausting time of year. But some financial advisers are still willing to jump into the grind of tax season because it represents a near-certain gateway to a sturdier and more diversified planning business. “I refer to this time …

Devising a Tax Strategy After the Paycheck Is No More

March 4, 2016 The New York Times by Tara Siegel Bernard This tax season was the first in which Charlie Clark, 64, filed his return with his newly attained status: retiree. Mr. Clark almost always prepared his family’s tax return, but when he ran the numbers through TurboTax last month, he was pleasantly surprised. “This year, holy cow, we were …