November 18th, 2019

Facts About Medicare Open Enrollment

How much do you know about the different coverage options? Medicare’s open enrollment period runs through December 7. If you are enrolling in Medicare for the first time, you will discover that it is much more complex than an employer-sponsored group health plan. Here at Kendall Capital, we want to make sure our clients are … Continue reading “Facts About Medicare Open Enrollment”

November 15th, 2019

Reducing the Risk of Outliving Your Money

What steps might help you sustain and grow your retirement savings? “What is your greatest retirement fear?” If you ask our clients as Kendall Capital, or any group of retirees and pre-retirees this question, “outliving my money” will likely be one of the top answers. In fact, 51% of investors surveyed for a 2019 AIG … Continue reading “Reducing the Risk of Outliving Your Money”

November 4th, 2019

Reap Tax Benefits From Giving with a Qualified Charitable Distribution

Montgomery County residents overall tend to be generous people, with the average person donating between three percent and five percent of his or her income to charitable causes each year. However, changes to federal tax law in 2017 that can make it less advantageous tax-wise to make charitable contributions were one factor that led to … Continue reading “Reap Tax Benefits From Giving with a Qualified Charitable Distribution”

July 16th, 2019

What the SECURE Act Could Mean for Retirement Plans

If passed, it would change some long-established retirement account rules.  If you follow the news, you may have heard of the Setting Every Community Up for Retirement Enhancement (SECURE) Act. Although the SECURE Act has yet to clear the Senate, it saw broad, bipartisan support in the House of Representatives. This legislation could make Individual … Continue reading “What the SECURE Act Could Mean for Retirement Plans”

June 13th, 2019

Gifts- Taxable or Not?

In Clark Kendall’s book, Middle-Class Millionaire: Surprisingly Simple Strategies to Grow and Enjoy Your Wealth, chapter 18 explains “Planned Giving” and walks through best practices of gifting. Below is a story about Rich and Barbara and real-life examples of how to gift efficiently. Rich is a retired film stuntman who, after a long career, is … Continue reading “Gifts- Taxable or Not?”

May 21st, 2019

Options and Benefits of Roth IRA Contributions

If you own an Individual Retirement Account (IRA), you may have heard about Roth IRA conversions. Converting your traditional IRA to a Roth IRA can make a lot of sense depending on your situation. But remember, consulting with your financial advisor here at Kendall Capital before making financial decisions is always a good idea.      … Continue reading “Options and Benefits of Roth IRA Contributions”

May 20th, 2019

The Problem of Money Paralysis

Not making a move is not always the best move to make.  A decision not made may have financial consequences. Sometimes, we fall prey to a kind of money paralysis, in which financial indecisiveness is regarded as a form of “safety.” Retirement seems to amplify this tendency. If you are single and retired, you may … Continue reading “The Problem of Money Paralysis”

May 8th, 2019

TOD or Living Trust?

How do you keep assets out of probate? If this question is on your mind, you should know that there are two basic ways to achieve 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 into the … Continue reading “TOD or Living Trust?”

April 22nd, 2019

When Should You Consider an IRA Charitable Rollover?

Have you ever wanted to make a major charitable gift? Would you like a federal tax break in acknowledgment of that gift? If so, an IRA charitable rollover might be a good option. If you are age 70½ or older and have one or more traditional IRAs, you may want to explore this tax provision. … Continue reading “When Should You Consider an IRA Charitable Rollover?”

February 6th, 2019

The Difference Between Mutual Funds and ETFs

If you are new to the investing world, you may be wondering what the difference between mutual funds and exchange-traded funds are. While there are similarities between the two, the differences could determine whether one or the other, or a mix of both, makes the most sense for you. It’s quite important to understand the … Continue reading “The Difference Between Mutual Funds and ETFs”