The Impact of Taxes on Retirement

Mike McGlothlin CFP®, CHFC®, CLU®, LUTCF®, NSSA® History has taught us taxes never increase evenly across the board for every client. Marginal tax rates and measure of income — whether it’s modified adjusted gross income or combined income — are two important aspects to be considered. They can have a devastating effect on retirement income […]

Your ERISA Watch – Eighth Circuit Warns Disability Administrators to Think Twice Before Terminating Disability Benefits


Eighth Circuit reversed a denial of disability benefits to a long-term recipient of such benefits: Roehr v. Sun Life Assurance Co. of Canada, No. 21-1559, __ F.4th __, 2021 WL 6109959 (8th Cir. Dec. 27, 2021) (Before Circuit Judges Kelly, Erickson, and Grasz). Insurers who are stuck with long-term expensive disability claims are often looking […]

Bit by Bit – Episode 3: The Planning/Fiduciary Administration of Cryptocurrency

Robert Kirkland discusses how cryptocurrency can be used for goods, services and investments; the importance of documentation and management and real-life ‘horror’  stories from lack of planning. Bit by Bit: The Planning/Fiduciary Administration of Cryptocurrency? by goCast Robert Kirkland describes real life stories from lack of planning.

Your ERISA Watch – – State-Law Claims for Lifetime Disability Benefits Survive While ERISA Claims Are Dismissed


Thompson v. Oracle Corp., No. 4:21-cv-00026-YGR, 2021 WL 5865519 (N.D. Cal. Dec. 10, 2021) (Judge Yvonne Gonzalez Rogers). When Elisa Thompson went to work for Sun Microsystems, she specifically negotiated a job offer that included a guarantee of lifetime disability benefits because she was concerned about the possible return of a childhood disability. When Oracle […]

Tip of the Week

Creating a “My Social Security” Account Every financial planner—and most everyone else—knows how important Social Security benefits are to financial security during retirement, disability, or after the death of an insured person. Social Security provides roughly half of all retirement income to retirees with average lifetime earnings. Financial planners should encourage their clients to establish […]