April 2020

Should you be contributing to your Roth 401(k)? The short answer is yes because anything with the word Roth in front of it is truly tax-free. What does it mean to be truly tax-free? Roth 401(k)’s pass both litmus tests for what makes something…

Under what circumstances should a single person want to own an LIRP? There are a number of scenarios where it can make sense, but it definitely depends on the individual’s situation. We have to remember the primary motivation for having life…

David often gets questions from people asking why they would want to liquify their investment portfolio to fund their annuity, especially now with the markets being down due to the coronavirus. There is an inverse relationship between stocks and…

Investors need to understand the latest coronavirus stimulus bill that was just passed. Investors can now take out up to $100,000 from their 401(k) or IRA prior to age 59 and a half without any penalty. The bill has also increased the loan size you…

The coronavirus downturn in the market is actually the perfect time to do a Roth Conversion because of the double sale that’s going on. The first sale involves the next six years where we get to enjoy the lowest tax rates we are likely to see in our…