Sudden Wealth Advisors

Pros & Cons of Roth IRA Conversions

By Robert Pagliarini on November 29, 2015

If you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all. Why go Roth? There is an assumption behind every Roth IRA conversion – a belief that income tax rates will be higher in future years than…

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What is Key Person Insurance?

By Robert Pagliarini on November 13, 2015

Who are the people most crucial to your business? Have you taken steps to insure them? At every company, there are certain people whose absence would cause day-to-day operations to grind to a halt. If they die or become disabled, the future of the company may be jeopardized. Key person insurance is designed to help…

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Social Security Strategies: Getting the Most Bang for Your Buck

By Robert Pagliarini on November 12, 2015

(This a guest post submitted by the CFP Board) Washington, D.C., November 12, 2015 – For many Americans, retirement is something to look forward to – a time to celebrate years of hard work, enjoy family and friends, and embark on new adventures. But filing for government retirement benefits can be daunting, and new Social…

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Is a Charitable Lead Trust Right for You?

By Robert Pagliarini on

Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating a charitable lead trust. A charitable lead trust is the inverse of a charitable remainder trust. While a CRT is structured to provide income to the trust beneficiaries and an eventual charitable donation, a CLT…

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The Differences Between a Transfer on Death Account & a Living Trust

By Robert Pagliarini on

How do you keep assets out of probate? If that estate planning question is on your mind, you should know that there are two basic ways to accomplish that objective. One, you could create a revocable living trust. You can serve as its trustee, and you can fund it by retitling certain accounts and assets…

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So What is Comprehensive Financial Planning?

By Robert Pagliarini on November 10, 2015

Just what is “comprehensive financial planning?” As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of approach? While the phrase may seem ambiguous to some,…

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Year-End Financial Planning and Tax Planning

By Robert Pagliarini on October 22, 2015

The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next… Your investments. Review your approach to investing and make sure it…

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Should You Invest Yourself?

By Robert Pagliarini on October 6, 2015

If you ever have the inkling to manage your investments on your own, that inkling is worth reconsidering. Do-it-yourself investment management is generally a bad idea for the retail investor for myriad reasons. Getting caught up in the moment. When you are watching your investments day to day, you can lose a sense of historical…

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Retirement Planning For Singles

By Robert Pagliarini on September 27, 2015

How does retirement planning differ for single people? At a glance, there would seem to be no difference in the retirement saving effort of an individual versus the retirement saving effort of a couple: start early, save consistently, and use vehicles that allow tax-advantaged growth and compounding of invested assets. On closer inspection, differences do…

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A Unique Strategy To Long-Term Care Insurance

By Robert Pagliarini on September 24, 2015

The price of long term care insurance is really going up. If you are a baby boomer and you have kept your eye on it for a few years, chances are you have noticed much costlier premiums for LTC coverage today compared to several years ago. For example, in 2015 the American Association for Long-Term…

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