January, 2023 Issue – InFRE’s most current free retirement newsletter – 1.0 CRC and CFP CE credit
Print this issue
The quarterly newsletter from the International Foundation for Retirement Education helps retirement professionals keep abreast of what’s happening in the field of retirement readiness, counseling, planning, and income management.
In this most current version of our retirement-specific newsletter, planners will learn about:
- “Retire With More – Tax-Advantaged Business Sales” by Tiffany T. House, CAP®, CEPA, FCEP, Gift Planning Institute and Tax & Estate Strategy. There are many tax-advantaged sale options. My goal is to help you understand how various planning tools apply to different corporate structures of businesses like S-Corp, C-Corp, and LLCs and for you to feel confident as an advisory team member when clients are ready to sell their businesses.
- “Helping Clients Provide for Their Child and Protect Their Retirement with Special Needs Planning – Trusts, Benefits and ABLE” by Derek Graham, Partner, Resch, Root, Philipps & Graham, LLC. My business partner and I teach a class at Ohio State. In this class, we talk about a triangle of services in financial planning.
- “How Social Security Benefits Taxation and IRMAA Raise Marginal Tax Rates in Retirement” by Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington. The Social Security Tax Torpedo is a problem for moderate-income retirees. “Tax Torpedo” is just a cute word for a very high marginal tax rate.
The articles below comprise the January, 2023 Issue of Retirement Insight and Trends. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.
Follow the link at the end to access the quiz, and upon passing with 70% or greater you may receive 1.0 hour of CFP®, CRC®, ASPPA, CLU®, ChFC®, CASL and other CE credit!
Welcome to InFRE’s January, 2023 Issue of Retirement Insight and Trends
on January 31, 2023
Retirement InSight and Trends is the quarterly newsletter for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® here and […]
Continue Reading this issue of Retirement Insight and Trends here→
Retire With More – Tax-Advantaged Business Sales
on January 31, 2023
By Tiffany T. House, CAP®, CEPA, FCEP, Gift Planning Institute and Tax & Estate Strategy
There are many tax-advantaged sale options. My goal is to help you understand how various planning tools apply to different corporate structures of businesses like S-Corp, C-Corp, and LLCs and for you to feel confident as an advisory team member when clients are ready to sell their businesses.
Most business owners have leveraged their homes at least once, and 50 percent have done it three times or more. That means business owners are not risk averse, and it’s hard to scare a business owner into taking action because they gamble daily on themselves and their ideas. […]
Helping Clients Provide for Their Child and Protect Their Retirement with Special Needs Planning – Trusts, Benefits and ABLE
on January 31 2023
By Derek Graham, Partner, Resch, Root, Philipps & Graham, LLC
My business partner and I teach a class at Ohio State. In this class, we talk about a triangle of services in financial planning. The bottom of the triangle is what everyone expects from their financial planner, and the top of the triangle is less-encountered issues. When financial planners can spot issues and recognize important topics at the top of the triangle, they really stand out. Those are the financial planners they will tell their neighbors about, which they will bring up in a dinner conversation. In this article, we will cover the top-of-the-triangle issues you will not encounter on a day-to-day basis.
This article will identify some of the various government benefits available to persons with developmental disabilities. There are a lot, and one of the challenges is that government benefits vary from state to state, but overarching themes are valid in every state. […]
How Social Security Benefits Taxation and IRMAA Raise Marginal Tax Rates in Retirement
on January 31, 2023
By Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington
The Social Security Tax Torpedo is a problem for moderate-income retirees. “Tax Torpedo” is just a cute word for a very high marginal tax rate. If you have additional income, that increases the amount of income subject to Social Security subject to income tax.
This article will address the Social Security Tax Torpedo and its very high marginal tax rates on very moderate-income retirees. Then we will discuss avoiding or reducing additional Medicare premiums if you are a higher-income retiree. […]
Continue Reading →
Earn 1 free Continuing Education (CE) credit for the January, 2023 Issue of InFRE’s Retirement InSight and Trends
on January 31, 2023
You can earn 1 CRC®, CFP®, ASPPA, and the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) CE credit for the January, 2023 issue of Retirement InSight and Trends.
Click here to access the quiz.
When you have completed the last question, click the “submit” button to submit your final answers. You may not return to review or change your answers after clicking submit or if you close the browser window. You may restart the quiz if needed.
You will only be allowed three attempts at passing the quiz so please make sure you have carefully read all the articles in this issue before starting the quiz. If you have trouble passing the first time, we recommend downloading the PDF version to consult while completing the quiz.
A score of 70% is required to pass the quiz and earn CE credit. An email will automatically be sent to you for your records as proof of successful completion. […]
Continue Reading →