Wealth Decumulation / Asset Decumulation (Retirement)
Definition Using one’s assets to finance one’s retirement. Retirement wealth decumulation includes the spend-down of assets owned during retirement. This includes: Savings in retirement accounts
Retirement Planning
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So Your Nest Egg Is Cracked! Now What? (Retiring When Your Nest Egg Has Lost Market Value)
by Denise Appleby CISP, CRC, CRPS, CRSP, APA The recent roller coaster-like performance of the securities market has left many investors coming up short with
Year-End Tips for Owners and Beneficiaries of Retirement Accounts
by Denise Appleby CISP, CRC, CRPS, CRSP, APA The end of the year is a busy period for investors, and sometimes, unless you make a
Book Review: Nine Keys to Winning Baby Boomers’ Assets at Retirement
Originally written April 2, 2009 by Denise Appleby CISP, CRC, CRPS, CRSP, APA As a retirement planning consultant to financial professionals/service providers, I am often
Using Traditional IRAs to Benefit Charities: by Frank Metrusky
A tax-infested IRA can be the best asset to leave to charity. Read this article to find out why. ( click on link) sites/rd.webchuckhosting.com/files/file/TraditionalIRAstoCharity080709.pdf
Protecting Estate, Assets and Loved Ones:
by Denise Appleby CISP, CRC, CRPS, CRSP, APA Planning for what happens with assets after death is not on most individuals’ list of favorite things
Get Beneficiary Designations in Order:
by Denise Appleby CISP, CRC, CRPS, CRSP, APA Designating a beneficiary is one of the most important administrative steps that should be taken with retirement
Substantially Equal Periodic Payments (A Doorway to Penalty Free Distributions) :
by Denise Appleby, CISP, CRC, CRPS, CRSP, APA Generally, taxable distributions from IRAs, qualified plans or 403(b) accounts are subject to a 10% excise tax
Meet Your RMD Deadline or You Will Owe the IRS Penalties!
By: Denise Appleby, CISP, CRC, CRPS, CRSP, APA Retirement account owners and beneficiaries may need to withdraw a minimum amount from their retirement accounts by
Waiver of Required Minimum Distribution for 2009
Denise Appleby, CISP, CRC, CRPS, CRSP, APA. H.R. 7327, the Worker, Retiree, and Employer Recovery Act of 2008 (WRERA) was signed into law on December