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Article
17
Sep 08

Sometimes Everything You Do Is an Accident Waiting to Happen

By Scott Burns Q. My mother has recently retired, age 79. She is deeply concerned about what to do with her retirement savings. This would not be such a problem if I hadn't recently become severely disabled and unable to work, and had gone through a messy divorce. She ended up buying me a modest...

Posted to Registered Investment Advisor (Weblog)

Article
10
Sep 08

Life, Death and Social Security Benefits

By Scott Burns Q: I am 69 years of age. I have been receiving Social Security benefits for the past four years. My current monthly payment is $1,888 per month. If I give back my total benefits of $84,960, Social Security will increase my monthly payment to $2,414.80 (a gain of $526.80). What is the actual...

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Article
03
Sep 08

Taking Social Security Benefits Now vs. Later

By Scott Burns Q. I'm 61 and will be eligible for Social Security benefits next year. From the numbers provided by the Social Security Administration, the difference between the age 62 payment and the full retirement (age 66) payment is about $595 per month. Would I not be wise to start withdrawal...

Posted to Registered Investment Advisor (Weblog)

Article
27
Aug 08

You Can Be a Couch Potato Investor in the Federal Thrift Savings Plan

By Scott Burns Q. I saw your advice to a Seattle reader who had lost some money in the government Thrift Savings Plan. I also have over $100,000 in the TSP. I have been investing conservatively for the last few months because the stock market has been declining. I’m retired and 68. Soon I will have to...

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Article
20
Aug 08

Recognizing the Different Annuities

By Scott Burns Q. I would like to know the difference between a variable annuity and a life annuity. A few years ago I invested $100,000 in a tax-deferred variable annuity. Later, I came to know there is a surrender charge for 7 years. Is a life annuity tax-deferred? Is there a surrender charge? ---V...

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Article
06
Aug 08

Meet the Diabolical Tax, the Alternative Minimum Tax for the Retired

By Scott Burns Q. What triggers taxation of Social Security benefits and what does not? Can the tax be avoided? ---L.M, by email A. The only proven way to avoid the tax is to have little or no income beyond Social Security benefits. I call this the Diabolical Tax. It affected very few people in 1983...

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Article
23
Jul 08

Mortgages and Retirees Don’t Mix

By Scott Burns Q. My parents are looking for a house in the Dallas-Fort Worth area. They are retired. They are trying to decide if they should pay cash for the house. They have close to $620,000 in savings (CDs, 401(k)s, IRA) and are looking for a $200,000 house. They also have about $1,300 in Social...

Posted to Registered Investment Advisor (Weblog)

Article
16
Jul 08

Steps for Getting a Guaranteed Lifetime Income

By Scott Burns Q. I am 73 and have investigated buying back the Social Security benefits I took at age 62. The buyback number is $158,529. My current monthly benefit is $1,231. A total buyback would give me a new monthly benefit of $2,019. This is a difference of $788 a month. My spouse is approaching...

Posted to Registered Investment Advisor (Weblog)

Article
09
Jul 08

Your Broker is a Hammer, Don't be a Nail

By Scott Burns Q: I like my broker, but she and I differ on what type of fund to be in. I prefer a low-expense fund. She says: Forget expenses if the 10-year returns bear more fruit. I have $400,000 to invest. I want to do the following: 35 percent in Vanguard Total Stock Market Index, 20 percent in...

Posted to Registered Investment Advisor (Weblog)

Article
02
Jul 08

Inflation Protected Securities Should Trump Stable Value, Long Term

By Scott Burns Q. Which would be safest and offer the best long-term results for my 401(k) --- a stable value fund or an inflation-protected bond fund? ---O.C., by email A. Go for the inflation-protected bond fund. Long term, it will provide you with a small premium (probably something over 1 percentage...

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