David Chazin
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Article
Making Ira Withdrawals During Retirement
For many people, postponing distributions from an Individual Retirement Account (IRA) as long as possible is a good retirement strategy. It lets you continue to enjoy the benefits of tax deferral, which can make a significant difference in your account growth. But not everyone has the luxury of being able to postpone IRA withdrawals. nnMoreover, there comes a time when you have to start making withdrawals. Generally, you must begin receiving minimum distributions from a regul
July 16, 2007
Article
Long-term Care Insurance â is it Right for You?
The average annual cost of care in a private nursing home is about $66,0001 a sum that could quickly deplete almost anyoneâs assets. One way to protect yourself and your assets is to purchase a long-term care insurance policy â just in case.nnEssentially, long-term care insurance pays for extended care either in a nursing home or by a health-care professional in a personâs own home. Benefits generally become available when the insured person cannot perform one or more a
July 16, 2007
Article
Buy-sell Agreements Keep your Business Afloat
Alex and Brad, both in their mid-forties, had just celebrated the tenth anniversary of Consulting, Inc., their market consulting business. The next morning, before going to work, Brad suffered a heart attack while jogging and died later that day. Alex suddenly lost his long-time business associate. What's more, after the estate was settled, he found himself with a new co-owner -- Brad's wife.nnThe result was chaos. Brad's wife had little interest or experience in running the
July 16, 2007
Article
Organizing your Business as a Limited Liability Company
As a sole proprietor, you've enjoyed watching your business take off. Your customer base is building, orders are steady, and your overhead is under control. But with this growth, you now realize you can't handle everything yourself. You need to attract investors, take on a few associates, and protect your personal assets from your firm's liabilities.nnYou've reached a turning point: it's time to run your company in a more formal manner. But should you set up the business as a
July 16, 2007
Article
Do Retirees Need a New Investment Strategy?
First growth, then income. If youâre like most investors, you want to achieve growth while youâre working and income after you retire. But that doesnât necessarily make it smart to change your investment strategy when you retire by shifting your portfolio completely out of stocks into less volatile, âincomeâ investments like bonds and cash equivalents.nn The Tax Bite nnAs a rule, stocks are more risky and volatile than other types of investments. Therefore, you migh
July 16, 2007
Article
Considering your Stock Options
Considering Your OptionsnnnBy David N. ChazinnnIn conjunction with Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Mr. Chazin is a regular contributor to PlannerConnect . nnnTo attract and keep top employees, more companies are offering them employee stock options. If you receive employee stock options as part of your compensation package, careful planning can help you make the most of them.nnn What Is an Employee Stock Option?
July 16, 2007
Article
Why Consider Variable Annuities?
Why Consider Variable Annuities?nnnBy David N. ChazinnnIn conjunction with Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Mr. Chazin is a regular contributor to www.PlannerConnect.com.nnnYou may already participate in an employer-sponsored retirement plan and/or contribute to an Individual Retirement Account (IRA). If so, congratulations! You're one step ahead of many Americans when it comes to saving your money. But chances ar
July 16, 2007
Article
1031 Exchanges, A Tax-Deferred Real Estate Strategy
By David N. Chazin In conjunction with Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Mr. Chazin is a regular contributor to PlannerConnect nnn This article is for educational purposes. 1031 exchanges have restrictions and limitations. nnnWhen the time comes to sell your real estate, some owners of highly appreciated real estate could be staring at a substantial capital-gains tax bill. A section of the Tax Code may help you con
July 12, 2007
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