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Staib Financial Planning Blog

How to Plan Ahead for Retirement Healthcare Costs

How to Plan Ahead for Retirement Healthcare Costs

Healthcare will be one of the largest categories of expense for most retirees – and medical inflation is expected to run 2 to 3 times faster than general inflation. Retirees can cope by fine-tuning their Medicare coverage.  That can help control spending in retirement.  But what about […]

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What Happens to Your Health Savings Account (HSA) in Retirement?

What Happens to Your Health Savings Account (HSA) in Retirement?

Health savings accounts get plenty of attention in the financial media and in Washington.  Given all the publicity, it may come as a surprise that assets in HSAs aren’t all that impressive: Just $37 billion was stashed in the accounts at the end of 2016, according to HSA […]

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Health Savings Accounts (HSAs) – An Overview

Health Savings Accounts (HSAs) – An Overview

Description Health Savings Accounts (HSA) were created by the Medicare bill signed by President Bush on December 8, 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. Health Savings Accounts are tax-deductible savings plans that allow […]

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An Estate Planning Checklist

An Estate Planning Checklist

Estate planning is off-putting for many folks on so many levels.  Let’s start with “estate”, which conjures up images of the uber-wealthy setting aside giant tracts of land for the next generation.  (Do I even have an estate, you wonder?)  And once you delve deeper and find […]

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The Importance of Beneficiary Designations

The Importance of Beneficiary Designations

We pay good money to estate planning attorneys to draft trusts and wills.  We deliberate over which loved ones are best suited to be guardians for minor children in case of catastrophe.  We have heart to hearts with our loved ones about our attitudes toward nursing homes […]

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6 Key Reasons Why Investing in a Taxable Account Is Underrated

Investors are often schooled in the virtues of stashing money in tax-sheltered savings vehicles, whether IRAs, company retirement plans, 529s, or health-savings accounts. At a minimum, these savings accounts all offer tax-deferred compounding – meaning you won’t pay any taxes on a year-to-year basis as long as […]

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A Hierarchy for Retirement Savings

There are several account options available to investors for retirement savings purposes, including 401(k)s (403(b), 457, and the equivalents), IRA(s), and taxable accounts. One question investors often ask is, if they have a fixed sum of money to invest every month or every year, how should they […]

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Retirement Income Principles

Retirement Income Principles

As more than 76 million baby boomers – nearly 25 percent of all Americans — approach retirement age in the next 20 years and make the transition from retirement saving to retirement spending, a recent survey reveals that one-third of those who say they are just five years […]

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Essential Financial Planning Numbers for 2017

Here’s a summary of several of the key financial-planning numbers to have on your radar as we head into 2017. Company Retirement Plans: 401(k), 403(b), and 457 The contribution limits for 401(k)s, 403(b)s, and 457 plans are staying the same for 2017 as they were in 2016. Contribution limits […]

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5 Financial Must-Dos Before Year-End

While you’re often exhorted to optimize every aspect of your financial life at the end of each calendar year, you might not have the luxury of time to pack it all in, especially with holiday related tasks and fun competing for your attention. For example, while you’d […]

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