Traditional vs. Roth IRA: New Rules Could Affect How You Save for Retirement

February 19, 2020 Money.com By: Kerri Anne Renzulli More Americans are working longer — and saving for retirement into their 70s. Last year, Congress stepped in to give these older savers a new tax break, making it easier to use traditional individual retirement accounts. But figuring out whether to take advantage of the new rules requires some work. The share …

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. …

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 …

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 …

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How to Advise Clients on the Expat Experience

October 27, 2016 Wall Street Journal Ann Reilley Gugle was featured in an article addressing the experience of working and living abroad as an expatriate.  Ann is the principal and chief executive of Alpha Financial Advisors in Charlotte, N.C.  *** You can read the full article from The Wall Street Journal, here

This Is Why More People Are Investing, Not Spending, Their HSA Health Care Savings

March 20, 2017 Investor’s Business Daily by Donald Jay Korn Most people who contribute to health savings accounts are setting aside tax-free money to use for medical expenses as they arise. But a growing number of HSA members can afford to invest contributions in stocks, mutual funds and other investment vehicles. According to the 2016 Year-End Devenir HSA Research Report, …