The (Less) Secure Act & Coming Death of the Stretch IRA

While partisan politics rage, the U.S. House of Representatives nearly unanimously passed a bill that would reform key aspects of America’s retirement laws.  The SECURE Act passed in a 417-3 vote in May and contains a provision to eliminate the Stretch … Continue reading

Your Retirement Income Framework

You worked hard. You saved and invested. Now you’re at the doorstep of retirement – at least you think you may have enough – and you wonder, “How the heck do I replace this paycheck I’ve been getting every two … Continue reading

Should a Trust be the Beneficiary of Your IRA?

  For many Americans, the assets in their Individual Retirement Account represent a significant portion of the wealth they hope to leave to their loved ones. You may have heard that creating a trust and naming it as the beneficiary … Continue reading

Estate Planning: Are Credit Shelter Trusts Obsolete?

One of the more interesting debates in estate planning circles these days surrounds so-called credit shelter trusts – also known as A-B Trusts or marital and bypass trusts, respectively.  These are trusts set up as a way to preserve the … Continue reading