Roger Green

As we end one year and begin another, there are things you need to think about doing to maximize your retirement assets, gain any available tax benefit, and/or avoid any tax penalty that may be linked to your investments. Here are things you should consider:

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Roger Green, MSFS,CFP®

In the year in which you turn 70 ½ years of age, the current IRS guidelines require you to take a Required Minimum Distribution (RMD), by April 1 of the following year, from your Qualified accounts (tax-advantaged accounts). For each year thereafter, you must take your RMD by 12/31 each year.

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Roger Green, MSFS,CFP®

Retirement planning does not end at retirement. The need to continue to grow assets to produce more cash flow remains important for most.

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Roger Green, MSFS,CFP®

Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire.1 About 20% - or 1 in 5 American adults- have a disability according to the CDC July 2015.

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Roger Green, MSFS,CFP®

Have you heard of the Stanford Marshmallow Experiment conducted in 1972 by a Stanford University psychologist? In this experiment, children are given a marshmallow and told they would receive a second marshmallow if they could resist eating the first. Scientists studied how long each child resisted the temptation to eat the marshmallow. A long-term study of the children who participated in this experiment showed those who were able to wait for the marshmallow – to defer gratification - were most successful in life.

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