Author Archives: Gary S. Williams

Top tips for estate planning

The best estate planning begins early and is usually sparked or adjusted by major transitions in life — when a marriage is beginning or breaking up, when a baby’s on the way, or when a major career change or inheritance ...

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Think finances when you think of marriage

As the holidays approach, plenty of couples think about marriage. That includes older couples with kids, accumulated assets and debts and previous marriages behind them. That’s why marriages for older individuals require a specific sort of planning. For couples making ...

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You may want to convert to Roth

Next year, individuals with a modified adjusted gross income of more than $100,000 will be eligible to convert a traditional IRA to a Roth IRA. The IRS is offering taxpayers a two-year window in 2010 to pay taxes due on ...

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Now is the time to understand Medicare

Despite all the public discussion about health care, very few people under the age of 65 understand the basics of Medicare, the federal health program for seniors and certain disabled individuals, or Medigap, the supplemental private coverage many buy to ...

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To save, you’ve got to spend less

Any financial planning process begins with a change in behavior and expectations. The degree of change varies based on financial priorities, but in the end, it’s about adopting new habits and abandoning others. Before you take any of the following ...

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