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10 Tax Strategies Every Retiree Needs to Know

You have an opportunity to join Doug Fabian live on Wednesday, June 24 at 2 p.m. Pacific Daylight Time for a special presentation, “10 Tax Strategies Every Retiree Needs to Know”. This presentation is just for podcast listeners and Inner Circle members, so be sure to register today and listen in.

Here are just a few of the questions Doug will answer for you:

• What is the best way to lower my required minimum distribution from my IRA?

• What are the best ETFs to use in my IRA accounts vs. my taxable accounts?

• How can I take advantage of the current tax laws to help generate spendable income from my real estate?

• What are the tax rules for investing my taxable assets?

• How do I minimize the tax liability in my taxable accounts?

CLICK HERE TO REGISTER.

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Tax Strategies Presentation Coming Up

Doug and his team are working hard on a new tax preparation presentation that will be unveiled in the coming week. Stay tuned for that and sign up for Doug’s “Inner Circle” to learn more about special presentations and events like the upcoming tax discussion.

There are going to be some excellent strategies in this presentation, and Doug will even answer some specific questions from Inner Circle members. Doug received more than 50 emails with specific tax questions and knows that this is a difficult and complicated topic, so we’re going to dig in and talk about taxes, savings, personal finances and retirement. Remember that Doug is not a tax professional, but he is an investment adviser, and he has years of experience in the world of investing, personal finance and what those tax implications mean.

If you are curious about effective tax strategies for your investments or general questions about tax efficiency, you need to listen to this presentation. Also, last week’s podcast has some great tax insights as well, so listen to that here.

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Tax Strategies

It’s important to think about tax season BEFORE tax season comes around. Most of us understand that we need to responsible for our taxes in advance of April 15, but it’s tempting to put off these strategies until you need to start filing again next year.

As you think about taxes, you need to start thinking about your legacy for your heirs, your income, your home equity, your assets and other options as you prepare your taxes for 2016. There are a lot of great ways to unlock capital, protect your investments and provide for your family or causes you care about, but the only way to have any of these benefits is by preparing your taxes ahead of time and thinking through some long-term tax strategies.

We really suggest getting together with a good CPA this summer. Take the time to look at your specific portfolio, your real estate holdings and your goals for your future and your money, so that you can have a wonderful retirement and a worry-free year, with no panic attacks on April 15, 2016.

If you have any questions about tax strategies or other investing concerns, please email those to askdoug(at)dougfabian(dot)com.

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Rate Hike Worries

Doug has talked to a lot of fixed-income investors recently who are really concerned about the possibility of the Federal Reserve raising interest rates. Doug has been encouraging investors to not get caught up in the groupthink and fear – but instead to look at the statistics.

For example, the economy is somewhat slowing this year, inflation is low, and other economic factors are staying pretty stable. Doug believes that interest rates are going to remain stable for the forseeable future, and even though the Fed may raise rates by a small amount, that should not affect your portfolios or ruin your investments.

Positive trends in the bond market are a sign of a puttering economy but not worth any amount of paranoia for investors. Doug encourages investors to consider international ETFs as well as domestic bonds and call the office at 800-351-1118 if you have any concerns or questions about your specific portfolio.

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Retirement and Entitlements (Milken Global Conference)

We think it’s important for everyone to start thinking about the future of entitlement spending and what that means for everyone’s retirement accounts. In light of that, please click over and watch the video about this topic with Lindsey Graham (R-S.C.) from the Milken Global Conference.

Taxes and entitlements are a big issue for many Americans and we believe that you need to start planning now for the next few years and take these ideas seriously. If you aren’t sure how the coming political changes will effect your portfolio and what you need to do to prepare yourself, please call our offices today: 800-391-1118.

As always, healthcare costs are going up, and taxes are going up. Other than voting, there are very few ways for us to change any of these policies, but there are ways we can protect ourselves and our legacies for the future. As always, if you have questions that you’d like answered on-air, please email askdoug(at)dougfabian(dot)com.

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Important Tax Questions to Ask

In the latest podcast, Doug mentioned that many people are paranoid about Federal income tax audits and an IRS agent on the doorstep with bad news. He wanted to make clear that you should not be fearful about audits, but instead should be pro-active about focusing on this year’s taxes and next year’s taxes, so that you can save some money on Tax Day in a safe, legal way.

Here are some questions to ask about your taxes for the next year:

  • What is your tax bracket?
  • What’s the impact of your taxable investments on your total tax bill?
  • What’s the impact of an RMD (Required Minimum Distritbution) on your taxes?
  • How does Obamacare impact you?
  • What does your “tax strategy” look like for next year?

It’s important to consider how to lower your taxes and be prepared for next April 15th now, so that you aren’t caught at the end of the year with no option. If you have questions about your taxes, your investment strategies or your portfolio, call our offices today at 800-391-1118, and listen to the full podcast here.

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Income Portfolio Ideas

Core positions (30-40% of portfolio size) are essential in an income portfolio – and Doug really likes Doubleline funds and Pimco funds right now.

BOND and TOTL are both great ETF ideas for core positions, as well as straight bond ownership. We think of these as “place-holders” – not huge winners but good ideas for income investing core positions.

Preferred stocks are also a good idea for this year – for more information on these stocks and what the risks or benefits are for you, please look into Doug’s investing newsletters here.

Remember that this is not personal investment advice, but rather good, solid, experienced ideas to get you thinking about what might work for your personal income portfolio. As always, if you want more information on this topic, please feel free to call our offices at 800-391-1118 or listen to the full podcast here.

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Domestic vs. International Investing

In May 2015, Doug Fabian will be giving you some tips for your tax liabilities in 2015. The only way to improve your tax outlook is to prepare ahead of time – so keep on the lookout for that, so that you can have a better tax experience next year.

Now, for today’s homework: look at your portfolio and identify your international exposure. We believe that international markets will continue to grow and offer U.S. investors some nice opportunities. We will continue to bring some good international ETF options to your attention through our blog, podcast, and special reports.

We are seeing good things happening in Asia (China, India and Japan, specifically) because of low energy prices. In today’s podcast, Doug specifically addresses why this should matter to you, what it means for your portfolio and how to take advantage of this new investing landscape.

As always, be sure to join Doug’s “inner circle” so you never miss a podcast episode!

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Growth Strategies in China

China is continuing to be a great option for investors, and a great way to get some growth positions in your portfolio. Many investing professionals believe there is still more growth to come in China – and it’s growing from a large economy, which is a positive thing for investors.

The Chinese government is committed to reforms and to positive growth in their economy. Doug and his team believe that China is in good shape and will be for the forseeable future. If you have questions about how China might fit into your portfolio, or how to keep Chinese investments on your radar, please call our offices at 800-391-1118 and listen to the podcast to stay up to date about that part of the world and your investment options there.

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What is Financial Health?

For Doug Fabian and his team, financial health is:

• having a strategy that is strong enough to withstand another crisis
• having a plan that is lucid enough to sustain retirement income
• having portfolio that is agile enough for today’s economy
• having assets positioned for longevity so they outlast you

So, how healthy is your portfolio?

Call our offices today and we will help you discover how healthy or unhealthy your portfolio really is. Every year, we help all of our clients with the Fabian New-Year Portfolio Checkup, and we’d love to offer that to you as well.

Call us today at 800-391-1118 and we will check up for you!

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