Donald Jay Korn

Savvy moves in the fourth quarter can help clients owe less to the IRS next April.

Savvy moves in the fourth quarter can help clients owe less to the IRS next April.

When older clients want to relocate, they must consider the cost of housing and health care, as well as taxes.

High-income clients pay more -- perhaps much more -- for Medicare Part B coverage.

HSAs offer deductible contributions, untaxed investment earnings and tax-free distributions.

Retired couples may qualify for untaxed dividend income and long-term gains.

Some clients are wary of LTC insurance that they might never need, but combos offer flexibility.

A bear market near the start of retirement can speed portfolio depletion.

New financial assessment requirements may make reverse mortgages into a retirement income tool for seniors with significant cash flow and assets.

Waiting for Social Security until age 70 can provide the surviving spouse with plumper payments.

Recent years have been discouraging for investors in managed futures but some signs point to a possible turnaround.

Clients can have their cake (maximum payouts) and icing (years of spousal benefits) too.

For some seniors, reducing adjusted gross income generates an extra tax break.

When clients must take required minimum distributions after age 70?½, payouts can provide monthly cash flow.

The IRS recently supported two tactics to build up such individual retirement accounts.

Likening covered calls to real estate rentals can help clients better understand the strategy.

Income funds that invest in a wide range of asset classes may appeal to clients who are looking for cash flow.

With MLPs investors benefit from tax-deferred cash flow, but the tax reporting can be a nuisance. For the best tax treatment, clients must cope with K-1s.

FIAs typically are deferred annuities, falling into the fixed rather than the variable category. However, investors' returns aren't fixed.

Various calculations typically put the break-even point in the late 70s or early 80s. Given the math, when should people wait until age 70?