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Retirement

A guide to drawing down your savings in retirement

A guide to drawing down your savings in retirement

As reported in the LA Times, “A guide to drawing down your savings in retirement.” The approach of retirement should be an exciting time for 50- and 60-somethings. But when the issue is your finances — and whether you’ve saved enough to last the rest of your life — excitement can quickly be overridden by […]

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How to divvy up assets as you head for retirement

How to divvy up assets as you head for retirement

As reported in the LA Times, “How to divvy up assets as you head for retirement.” Choosing how to invest retirement savings often ends up being a dartboard exercise for younger people, because it all seems so theoretical. As the date of retirement or semi-retirement gets nearer, however, you begin to realize that your financial […]

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Retirees see economy glass as half empty

Retirees see economy glass as half empty

NEW YORK (Reuters) – With 69 straight months of job growth, unemployment at a seven-year low, the Dow Jones Industrial Average near all-time highs and the Federal Reserve confident enough to hike interest rates, you might think a sturdy U.S. economy has given everyone reason to cheer. Apparently not everybody. New data from Wells Fargo […]

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The 401(k) Crisis Is Getting Worse

The 401(k) Crisis Is Getting Worse

As reported in the news in Bloomberg: Tim Egan has been working since he was 14. He’s now 56 and has spent most of his career as a restaurant manager. He has virtually nothing saved for retirement and, until last month, never had a 401(k) account. Little wonder: Only two of the 20 restaurants where Egan […]

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Staples’ limits severance benefits for senior executives

Staples’ limits severance benefits for senior executives

(Reuters) – Office supplies retailer Staples Inc said on Tuesday that it would limit severance benefits payments for senior its executives. The company said it would without seek shareholder approval to pay an executive severance benefits that amounts to more than 2.99 times the sum of their base salary plus target annual cash incentive award. Chief Executive […]

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Convincing a Client He’s Saved Enough to Retire

Convincing a Client He’s Saved Enough to Retire

Convincing a Client He’s Saved Enough to Retire, as reported in the WS Journal. Minutes into their first meeting, Scott Dougan could see that his new client was stressed. The man sat with his arms crossed and was defensive and frazzled by Mr. Dougan’s questions. “He had worked for the same company for 30 years, […]

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Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings, as reported in the WS Journal. U.S. stocks are expensive by historical standards and the market has been choppy since mid-September. Nervous? To figure out how much risk you’re exposed to, try looking at your portfolio from five different […]

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Where to Exit the Market Herd

Where to Exit the Market Herd

Editor’s Note: This article appeared in early January, 2015.  The timing and statements still appear true as of today  – – the date of publication. Where to Exit the Market Herd – Simon Constable Suggests Three Contrarian Investment Plays, as reported in the WS Journal. Going with the crowd might have helped in high school, […]

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Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come, as reported in the WS Journal. Investors often try to profit by betting on short- and medium-term shifts in stocks and bonds. But the real money comes from anticipating long-term trends, the kinds of changes that take […]

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10 things investors won’t tell you

10 things investors won’t tell you

10 things investors won’t tell you, as reported in the WS Journal. 1. We have no idea what we’re doing… Over the last four decades, the 401(k) plan has replaced the pension as the main form of retirement plan. About 31% of workers had so-called defined contribution retirement plans in 2008, up from just 8% […]

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Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Federal officials, including those at the Centers for Medicare and Medicaid Services (CMS), are continuing to voice concerns regarding the possibility that up to an estimated 1.8 million households could lose their eligibility to receive the Affordable Care Act’s premium tax credit in 2016. Based on Treasury Department data, these households have been receiving the […]

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Retirement planning techniques that could be going away soon

Retirement planning techniques that could be going away soon

While Presidents and Congresses have for decades championed tax incentives for Americans to save for their retirement, a number of recent proposals aim to close down certain retirement planning techniques that some deem inequitable. In this article, we discuss three of those techniques and some of the proposals that would close down their use. High […]

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Why Are States Leaving Billions In Retiree Income On The Table?

Why Are States Leaving Billions In Retiree Income On The Table?

CHICAGO (Reuters) – Illinois is the national poster child for state budget messes. My home state faces a $7.4 billion general fund deficit and a $12 billion revenue shortfall. One proposed idea for plugging at least part of the horrific shortfall: tax retirement income. But our new governor, Republican Bruce Rauner, has rejected the idea. […]

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The 10 smartest cities in America

The 10 smartest cities in America

The 10 smartest cities in America, as reported in the WS Journal. The pursuit of higher education is more common in America today than in previous generations. According to the National Center for Education Statistics, roughly 41% of Americans aged 18 to 24 were enrolled in a two- or four-year degree-granting institution, far more than […]

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10 reasons to quit the U.S. for Europe

10 reasons to quit the U.S. for Europe

10 reasons to quit the U.S. for Europe, as reported in the WS Journal. The European economy may be limping along, but Americans living there say there are other reasons why they call Europe home — or maison, casa or zuhause. More Americans are moving overseas. The Social Security Administration currently sends 613,650 retirement-benefit payments […]

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Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market, as reported in the WS Journal. As 2015 gets under way, most on Wall Street expect the nearly six-year-old bull market for stocks to keep running. And the long-awaited bear market for bonds seems to be on hold. For mutual-fund investors, […]

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Planning to Retire in 2015? Read This – There’s More to It Than Having Enough Money

Planning to Retire in 2015? Read This – There’s More to It Than Having Enough Money

Planning to Retire in 2015? Read This – There’s More to It Than Having Enough Money, as reported in the WS Journal. For those whose 2015 calendar includes a retirement party, it’s time to get to work. Even for potential retirees who have spent years planning and saving, there’s a to-do list that needs attention […]

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Florida Governor Tells Residents Of Other States: ‘Move Here!’

Florida Governor Tells Residents Of Other States: ‘Move Here!’

TALLAHASSEE, Fla. (Reuters) – Florida Governor Rick Scott will kick off his second term on Tuesday with a blunt warning that he intends to poach people and jobs from other large states that have relatively higher taxes. “I have a message today to the people of New York, Illinois, California, Pennsylvania and others: Move to […]

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Target-Date Funds Gained in 2014 – They’re More Popular, Even as Experts Debate Their Design

Target-Date Funds Gained in 2014 – They’re More Popular, Even as Experts Debate Their Design

Target-Date Funds Gained in 2014 – They’re More Popular, Even as Experts Debate Their Design, as reported in the WS Journal. The use of target-date mutual funds continues to grow, despite conflicting views about their design. These all-in-one funds for retirement could capture almost 90% of contributions to 401(k) plans by 2019, according to research […]

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Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

As reported in the OC Register: Think back a year ago. Did anybody see consumers rewarded with cheap money and cheap gasoline – along with a healthy economy – nicely wrapped under the 2014 economic Christmas tree? It’s a good lesson that it’s one thing to predict economic trends – the high-probability business patterns we […]

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Meet Paul Raymond

Meet Paul Raymond

Mr. Raymond is a sought after speaker in tax controversy law by many attorney, accountant, and business groups and at the request of the Internal Revenue Service, has presented programs at the IRS Nationwide Tax Forum, attended by tax professionals throughout the United States.

Additionally, he continues to be an active member in the Section of Taxation, American Bar Association, where he was the Past Chair of the Employment Taxes Committee.

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Member CA Bar Member Orange County Bar US Tax Court Attorney