Costelloe Financial specializes in Retirement Planning and Investment Management, and offers other services. We are based in the Reno Tahoe area.
CNBC notes that even with tax reforms, the so-called marriage penalty is still affecting many couples: https://tinyurl.com/yyhxtg4m
tinyurl.com Some taxpayers, particularly high-income couples, still face a marriage penalty, meaning that they pay more in taxes than if they were each single.
Times are changing. So are estate strategies. A Forbes article notes how they are evolving for modern families: https://tinyurl.com/yydrwzjn
forbes.com Modern families require more flexible and different estate planning than traditional families. Many "standard" estate plans and documents do not address the needs of modern families.
This MarketWatch article lists the important reasons to have an estate strategy: https://tinyurl.com/yy98kckf
marketwatch.com Writing a will is a tough chore. Advisers offer their best strategies for helping clients to get this done.
As CNBC reports, hiring weakened last month and missed Wall Street estimates. See the August jobs number @ https://tinyurl.com/y4zzoa2p
cnbc.com The increase fell short of Wall Street estimates for 150,000, while the unemployment rate stayed at 3.7%, as expected.
As the Motley Fool notes, Social Security benefits are sometimes taxable. Read the article @ https://tinyurl.com/y58xdeef
fool.com Whether you'll be taxed on your benefits in retirement depends on where you live and what your total income looks like.
A Forbes article spotlights 3 big retirement questions that are not about retirement income: https://tinyurl.com/y2jaqwo8
forbes.com Your plan for where to retire, heallthcare and work will drive your financial plan in retirement. Real world lessons.
The next estimated tax deadline is September 16. First time paying quarterly taxes? Read this CNBC article: https://tinyurl.com/yxa9sj3x
cnbc.com When it comes to taxes, Sept. 16 doesn't quite have the same ring as April 15. However, this deadline is an important one for entrepreneurs, investors and people in the side-gig economy. Here's why.
Why have an estate strategy? Forbes lists several compelling reasons @ https://tinyurl.com/y4sdoxe6
forbes.com Although many people seemingly believe they are immortal, everyone will pass away at some point, and being proactive in the planning of your estate has its benefits.
As CNBC notes, some Stanford University researchers think Americans should wait until 70 to retire: https://tinyurl.com/y6yt3tu3
cnbc.com "Delaying retirement, even if for a few years, can significantly increase the eventual retirement income," researchers from the Stanford Center on Longevity and Society of Actuaries report.
What does insurance cover after a disaster, such as a hurricane? Read this USA TODAY piece: https://tinyurl.com/y54825pk
usatoday.com How well will your homeowners or renters insurance hold up after a storm like Hurricane Dorian? The answer largely depends on the storm itself.
A permanent life insurance policy could be a source of tax-free retirement income. Read more @ CNBC: https://tinyurl.com/y56wvnea
cnbc.com Cash value life insurance can complement your retirement plan by acting as a source of tax-free income. Just make sure you don't mismanage your policy. Here's how to use this asset.
Forbes explains why asset titling is so crucial in an estate strategy: https://tinyurl.com/yy2p5sft
forbes.com Wills are a key part of estate planning, but to assure that your estate plan fulfills your intentions, speak with your attorney or planner on the proper titling of your assets.
Is it a good idea for a senior to sell a life insurance policy? Elder Law Answers looks at life settlements: https://tinyurl.com/y5cwydec
elderlawanswers.com Older Americans with a life insurance policy that they no longer need have the option to sell the policy to investors. These transactions, called "life settlements," can bring in needed cash, but are they a good idea?
Consumers may get more protection against unexpected medical bills in the near future, CNN reports: https://tinyurl.com/y4pb5f85
cnn.com Unexpected medical bills are one of Americans' top health care headaches.
A post at Forbes busts 3 myths that lead millennials to undersave for retirement: https://tinyurl.com/y3yn9tss
forbes.com About half of Millennials are not saving enough for retirement due to common misconceptions about retirement accounts in the workplace.
Forbes lists a couple of options that may help parents deal with outstanding federal student loans: https://tinyurl.com/y5fp8msa
forbes.com Here's how parents can manage student loans.
Why is it so important to have an estate strategy? Take a look at this post @ TheStreet: https://tinyurl.com/y32mvm8y
thestreet.com A good estate plan can save you major asset problems down the road. Here's why.
Business Insider offers some tips on arranging health insurance when you retire before 65: https://tinyurl.com/y3dt3mjg
businessinsider.com If you're still willing to work part time in early retirement, it may be worth considering a side gig just for the health insurance benefits.
What do retirees lose by claiming Social Security too early? A collective $3.4 trillion, CNBC reports: http://tinyurl.com/y36zd3mo
cnbc.com While just 4% of retirees delay tapping those monthly checks until age 70, when their benefits reach the maximum amount, about 57% of retirees would build more wealth over their lifetimes if they were to wait until then, a new report concludes.
Why are so many grandparents giving money to grandkids? The Atlantic looks at the motivations: http://tinyurl.com/yx9lmbuk
theatlantic.com They’re eager to help out—even if that means putting themselves at financial risk.
Bloomberg shares some perspectives on preserving a family legacy of wealth for generations @ https://tinyurl.com/y6hjo8hu
bloomberg.com There are a lot of touchy subjects to bring up when you want to preserve wealth over generations.
MarketWatch lists 4 well-paying jobs suited for retirees @ https://tinyurl.com/y5ju86en
marketwatch.com You can make well over minimum wage and work remotely
A Yahoo! Finance post notes how retirement account distributions affect your taxes: https://tinyurl.com/y6m9pbsc
finance.yahoo.com For most people who are retired, much of their taxation depends on a single thing.
CNBC explains what you should know before you lease a car this year: https://tinyurl.com/y2tetg3k
cnbc.com The higher costs are largely due to a combination of rising vehicle prices and interest rates, along with some models experiencing weakening residual values.
Forbes explains how whole or universal life insurance can become the core of a retirement strategy: https://tinyurl.com/y6pdlm5l
forbes.com Life insurance can be a valuable tool for retirement planning if your situation allows for it.
USA TODAY offers tips on selecting the right travel insurance for your next trip @ http://tinyurl.com/y5terguo
usatoday.com This is the year to consider a travel insurance policy, given global insecurities and the increasingly restrictive policies of travel companies.
Forbes has an interesting article about integrating life insurance and charitable giving @ https://tinyurl.com/yydkleko
forbes.com Life insurance is a valuable asset, and often, should be kept in force for the benefit of the insured and owners. However, in some cases the need for life insurance can change and gifting the policy might become a better strategy. Find out how to make the best of gifting a life insurance policy.
The Motley Fool identifies 3 major money risks that tend to appear after age 75 @ https://tinyurl.com/yy8njvyu
fool.com Will one or more of these derail your retirement?
U.S. News presents 3 key concepts for investing not before, but after you retire: http://tinyurl.com/y3pfkuf5
money.usnews.com These three tips can give you a greater chance of a successful retirement outcome.
This USA TODAY article lists 6 wise estate planning steps. How many have you taken? http://tinyurl.com/y6zqptw9
usatoday.com Only 42 percent of Americans have a will or other estate planning documents, according to a 2017 Caring.com study.
Retiring before 65? Read this overview of health insurance options for retirees at SmartAsset: https://tinyurl.com/y3adpo42
smartasset.com How do you get health insurance once you're retired? We have a guide to all your options, from the various parts of Medicare to private insurance.
Did you know that some college scholarships are taxable? Learn more in this CNBC post: https://tinyurl.com/y6z63a8u
cnbc.com Few people would expect to face a tax bite on a scholarship, yet there are situations in which that might be the case. Here's what you should know.
A Harvard Business Review article notes why more companies need to recognize the needs of working parents: https://tinyurl.com/y7ogd8zb
hbr.org If your policies don’t accommodate their needs, they’ll go elsewhere.
The Motley Fool presents 3 conversation starters for talking with your spouse about retirement planning: https://tinyurl.com/yxdolynf
fool.com Being on the same page as your spouse is key to effective retirement planning for couples.
Costelloe Financial specializes in Retirement Planning and Investment Management. In addition, Costelloe Financial offers Business Retirement Plans, Estate Planning, Long Term Care, Life, Disability, and Medicare Supplement Insurance, Estate Planning, Fee Based Financial Planning and Fee Based Investment Advisory Services.
Michael Costelloe holds the following registrations and licenses: Series 7, 65, Life & Health Ins. Michael is a Certified Financial Planner Securities and Investment Advisory Services offered through H. Beck, Inc., Member FINRA (www.FINRA.org ) , SIPC (www.SIPC.com ) Costelloe Financial and H. Beck Inc. are not affiliated.
Registered to sell securities in the state of NV, AZ, CA, FL, HI, IL, OR, TX and licensed to sell insurance in NV, CA, AZ, OR, FL . This is not an offer or solicitation in any other state. Third party posts do not reflect the views of H. Beck Inc. and have not been reviewed by H. Beck Inc. as to accuracy and completeness. This information should not be considered tax/legal advice. You should consult your tax/legal advisor regarding your own tax/legal situation. Investments will fluctuate and may be worth more or less than when originally purchased. There is no assurance that any particular strategy will work under all market conditions. Past performance does not guarantee future results.
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