Steve’s Blog

“Should My Living Trust Be The Beneficiary of My IRA?”

Many people own revocable living trusts and consider the idea of making their trust the beneficiary of their IRA. Even before new laws were proposed, the idea was problematic. Unless your trust is specifically worded using what is known as a “conduit provision”, the trust may be a poor choice for an IRA, 401k, 403b, or TSP beneficiary.

Build Your Financial Plan With Smart Bucketing

It’s hard to blame investors for trying to save on fees and expenses when they invest their hard earned money. After all, most of us have a natural desire to save money on just about everything we do. We were raised that way—a penny saved is still a penny earned. In...