Topics discussed include:

• How financial advisors may be paid.
• The potential benefits you may reap when working with a financial advisor.
• The differences between active and passive management.

Questions asked include:

• What should take priority for me—saving for retirement, paying down credit card debt or paying off my mortgage?
• How do you convert a long-term care policy into a life insurance policy?
• Should my spouse and I have similar asset allocations in our 401ks or should one of us be more conservative with our asset allocation?
• Does it matter from which account I begin taking distributions from in retirement?

Featured Segment: Overview of Common Investing Fees

Featured Question: Balancing Debt and Retirement Savings

Full Episode

The post Overview of Common Investing Fees appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you should strive to have a balanced lineup in your portfolio.
• How you can better prepare for financial curveballs.
• What you should look for when reviewing your life insurance coverage.
• Why your portfolio’s returns may not match major market indices.

Featured Segment: The Lessons Baseball Can Teach You about Financial Planning

Full Episode

The post The Lessons Baseball Can Teach You about Financial Planning appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why it’s okay to talk with your kids about money, and the benefits your kids receive by having conversations about money.
• What an allowance can teach your kids about money management.
• How parents can be a financial role model for their kids.

Questions asked include:

• I have some Series E bonds. How do I change the payable on death designation on them?
• Can you explain the Parent Plus college loan?

Featured Segment: Teaching Children about Financial Independence

Full Episode

The post Teaching Your Children How to Achieve Financial Independence appeared first on Wealth Enhancement Group.

Topics discussed include:

• What Brexit means, and what’s the potential impact may be going forward.
• The factors that provoked Britain into voting to leave the EU.
• How American investors may be affected by the Brexit vote.
• The planning opportunities if you receive a financial windfall.

Questions asked include:

• As your clients age, how do you adjust their asset allocation?
• Should someone take an annuity or a lump sum distribution on their pension?

Featured Segment: Analyzing the Brexit Fallout

Featured Question: Adjusting Clients’ Asset Allocations Over Time

Full Episode

The post Market Update: Brexit appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why investors are underperforming major market indices.
• The behavioral traps that can ensnare many investors and limit returns.
• What you can do to avoid making emotionally based decisions when investing.

Questions asked include:

• What do you recommend people in their 20s do to get ready for retirement?
• When I turn 66, can I earn as much money as I want without penalty when it comes to Social Security?
• What’s a good rule of thumb when deciding how much life insurance to purchase?

Featured Segment: Why Investors Perform Worse than Investments

Featured Question: Reduced Social Security Benefits While Working

Full Episode

The post How Your Behavior Can Limit Your Gains When Investing appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why the default option may not be the best option for you.
• What to consider when configuring your asset allocation.
• Options for your orphaned 401k.

Questions asked include:

• I am an independent contractor and don’t have a 401k plan through work. Can I still contribute to a 401k?
• At what age do work credits stop accumulating when it comes to Social Security benefits?
• If I gift stock to a family member, are the proceeds treated as capital gains if they sell the stock less than one year after it’s gifted?

Featured Segment: Common 401k Mistakes

Featured Question: Retirement Accounts for Independent Contractors 

Full Episode

The post Common 401k Mistakes You Should Avoid appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies that can help college graduates pay down their student loans.
• Balancing paying off debt and saving for the future.
• An overview of 529 plans and Educational IRAs.

Questions asked include:

• Which provides the most bang for my buck: Maxing out a Roth 401k, converting tax-deferred money to a Roth IRA or contributing to an HSA?
• What’s the best way to pay taxes on required minimum distributions (RMDs) if I have no need to spend the money?
• Does money contributed to a Roth IRA have to be earned income?
• When would you recommend putting assets into a trust versus putting those assets in a will?

Featured Segment: Tips for Dealing with Student Loans

Featured Question: Paying Taxes on Required Minimum Distributions

Full Episode

The post How Recent Grads Can Better Deal with College Debt appeared first on Wealth Enhancement Group.

Topics discussed include:

• The unique retirement challenges Baby Boomers face that no previous generation has had to face.
• Why your spending may increase early in retirement.
• How to avoid having market volatility derail your retirement.
• How financial planning can help Baby Boomers be better prepared for their retirement challenges.

Questions asked include:

• Should I take the lump sum option on my pension?
• Where can I buy U.S. treasury notes without a lot of overhead expenses?
• Will the money in my TSP be taxable when I begin to take distributions from it?

Featured Segment: Baby Boomers’ Unique Retirement Challenges

Featured Question: What to Consider When Deciding Whether to Claim the Lump Sum Option on a Pension

Full Episode

The post Baby Boomers’ Unique Retirement Challenges appeared first on Wealth Enhancement Group.

Topics discussed include:

• Balancing taking Social Security at age 62 versus taking distributions from your retirement savings.
• The rules surrounding whether you can begin to take distributions at age 55.
• Key things to consider when deciding at what age to claim Social Security.
• Commonly overlooked Medicare expenses.

Questions asked include:

• What is a future value forecast and does Wealth Enhancement Group provide this for clients?

Featured Segment: Key Retirement Planning Ages and Deadlines

Full Episode

The post Key Retirement Planning Ages & Deadlines appeared first on Wealth Enhancement Group.

Topics discussed include:

• How women can prepare for their potentially longer lifespans.
• The traits women tend to possess that can help them be better investors.
• Why women are more likely to be part of the “sandwich generation.”

Questions asked include:

• With many people predicting that there will be a recession, should I get out of the market?
• Do you have any savings tips for my daughter?
• At what age is it too late to contribute to a Roth IRA?

Featured Segment: What Women Need to Know about Retirement

Featured Question: Should Investors Exit the Market?

Full Episode

The post What Every Woman Needs to Know about Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you should reflect on your goals and values before spending any portion of your tax refund.
• Balancing paying off debt and saving for retirement.
• Longer-term options that can provide better value than a short-term purchase when spending your refund.
• Why a big tax refund isn’t necessarily a good thing.

Questions asked include:

• Does Wealth Enhancement Group settle estates or do you work with a third party?
• How do you know what your risk tolerance level should be, and at what age does it become a factor?

Featured Segment: Strategies for Your Tax Refund

Full Episode

The post Financially Savvy Moves for Your Tax Refund appeared first on Wealth Enhancement Group.

Topics discussed include:

• The benefits children experience from work beyond just the paycheck.
• Why parents should take the initiative to teach their children about money.
• The lessons that an allowance can instill in your children.

Questions asked include:

• Can grandparents gift money to their grandchildren’s Roth IRA?
• What should I look for when buying a long-term care insurance policy, and how do I know that policy will be there for me when I need to use it?
• Is there a maximum percentage I should have in a single investment?

Featured Segment: Raising Financially Responsible Children

Featured Question: What to Look For When Purchasing Long-Term Care Insurance

Full Episode

The post Raising Financially Responsible Children appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why paying yourself first can make saving and investing an easier goal to achieve.
• How much you should strive to save on a regular basis.
• Prioritizing which accounts you should save within.

Questions asked include:

• We are saving in IRAs and 529 plans, but our checking and savings account balances have mostly remained flat. Should that be a concern?

Featured Segment: Tips to Help Boost Your Savings

Featured Question: Savings and Checking Account Balances are Flat

Full Episode

The post Tips to Help Boost Your Savings appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why everyone, regardless of personal situations, likely needs an estate plan.
• Who is most likely to benefit from utilizing a trust.
• How often you should have your estate plan and beneficiary designations reviewed.
• Strategies for leaving assets to a charity in your estate plan.

Questions asked include:

• If I give money to my children, do they have to pay taxes on that gift?
• If you don’t qualify for a Roth IRA, are there any strategies you can use to get money into a Roth IRA?
• How do I get a transfer on death deed?

Featured Segment: Estate Planning Basics

Featured Question: Contributing to a Roth when Your Income is too High

Full Episode

The post Estate Planning 101 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why exiting the stock market today may not be a wise decision.
• The elements of Harold Pollack’s original index card.
• Why investment strategies can be more important than individual investments.

Questions asked include:

• What additional taxes beyond capital gains could the sale of highly appreciated investments trigger?
• If I deposit money in a Roth after age 59.5, do I have to wait five years before I can withdraw that money?
• Can income from a pension reduce Social Security benefits prior to full retirement age?

Featured Segment: Can Your Financial Plan Fit on an Index Card?

Featured Question: Ripple Effects of a Large Capital Gain

Full Episode

The post Can Your Financial Plan Fit on an Index Card? appeared first on Wealth Enhancement Group.

Topics discussed include:

• Balancing stocks and bonds in your portfolio.
• The differences between traditional and Roth IRAs.
• Strategies that can help you pay off credit card debt.

Questions asked include:

• Will distributions from a Roth IRA apply to my required minimum distributions?
• Is there an income cap to distribute to a traditional IRA?

Featured Segment: Financial Questions You May Be Too Embarrassed to Ask

Featured Question: Roth IRAs and RMDs

Full Episode

The post Financial Questions You’re too Embarrassed to Ask appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why bunching your deductions can help you to maximize the size of your deduction.
• The benefits of proactively performing Roth conversions.
• How to harvest tax losses during periods of volatility.

Questions asked include:

• What are the changes to Social Security that will be enacted this May?
• Can I carry an excess deduction over into next year? And if I can’t, what’s the deadline to convert money to a Roth for tax year 2015?
• Is there a way to undo a Roth conversion?
• Will bunching deductions increase the chances you’ll be audited?

This information is not intended to be a substitute for specific individualized tax advice. We suggest you discuss your specific tax issues with a qualified tax advisor.

Featured Segment: Tax Strategies to Help You Keep More of Your Money

Featured Question: Excess Tax Deductions and Roth Conversions

Full Episode

The post 3 Tax Strategies to Help You Keep More of What You Earn appeared first on Wealth Enhancement Group.

Topics discussed include:

• The taxes you’ll have to pay in retirement.
• Why your spending may increase when you first enter retirement.
• The importance of maintaining a diversified portfolio after you retire.

Questions asked include:

• I’m 24 and just got my first job. Should I use the traditional 401k option or the Roth 401k option?

Featured Segment: Surprising Facts about Retirement

Featured Question: Traditional vs. Roth 401k

Full Episode

The post 5 Surprising Facts about Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• The documents you should have ready before you begin to file.
• Deciding whether to file your own taxes or to work with a tax preparer.
• The new tax forms that you may have received this tax season.
• Common phishing scams that you should be aware of.

Questions asked include:

• My daughter lives overseas and has received no U.S. income. Does she still need to file U.S. taxes?
• What are the rules for deducting gambling losses?
• Can you deduct investment fees and expenses from an IRA that are paid with the IRA’s assets?

Featured Segment: Tax Season Tips

Featured Question: Paying U.S. Taxes when Living Abroad

Full Episode

The post It’s Tax Time! Here’s What You Need to Know appeared first on Wealth Enhancement Group.

Topics discussed include:

• The factors that are most likely to force you into an early retirement.
• How your financial plan may be impacted if you retire early.

Questions asked include:

• I rolled my 401k into an IRA, and I was told that my employer’s contributions wouldn’t be taxed when I take distributions. Is that true?
• After grad school, I have about $100,000 in student loans. Would it be better to put more money towards my loans or should I put that money in my 401k?
• The way the market is moving right now, should I consider taking a loan from my 401k?

Featured Segment: Factors that Can Derail Your Retirement Plans

Featured Question: Balancing Student Loans and Saving for Retirement

Full Episode

The post Factors that Can Derail Your Retirement Date appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why allocating your portfolio based on your time horizon can help protect you from a future market downturn.
• How financial planning can help provide a more accurate estimate for the amount you’ll need to save for your retirement.
• Why the 4% rule for withdrawal rates may not be right for you.

Questions asked include:

• When is it a good time to begin to transition my savings into more conservative investments?
• As a police officer wanting to retire soon, what should I be considering when looking to work at a different job in retirement?
• We received a large bonus and are thinking about investing it. Should we invest now when we’re in the midst of a market downturn?

Featured Segment: Estimating Your Retirement Number

Featured Question: Revising Your Asset Allocation When Approaching Retirement

Full Episode

The post What’s Your Retirement Number? appeared first on Wealth Enhancement Group.

Topics discussed include:

• The potential financial benefits you may receive when working with a financial advisor.
• Why everyone, regardless of wealth, can find value from a financial advisor.
• The types of services that a financial advisor can assist you with.

Questions asked include:

• How much do my Social Security benefits increase from age 62 to age 66?
• I am 25 and just starting to contribute to my 401k. Should I use the Roth or traditional option when contributing?
• Can we contribute my husband’s required minimum distributions into a Roth IRA that’s in my name?

Featured Segment: Dispelling Financial Advice Myths

Featured Question: Traditional or Roth 401k for Young Investors

Full Episode

The post Dispelling Financial Advice Myths appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you and your partner should talk about your finances on a regular basis.
• The potential financial benefits you may receive when communicating with your partner about money.
• How to prioritize your financial goals in a relationship.

Questions asked include:

• Is it true that I can claim survivors benefits at age 60 while letting my personal benefit to grow until age 70?
• If I retire this year and start drawing on my Social Security, how will my benefits be taxed?
• Can you give an example of what constitutes financial planning?

Featured Segment: Financial Planning for Partners

Featured Question: Social Security and Taxes

Full Episode

The post 4 Important Financial Planning Issues for Partners appeared first on Wealth Enhancement Group.

Topics discussed include:

• Whether distributions from a Roth IRA are considered “provisional income” when it comes to your Social Security taxes.
• Strategies to help you reach your long-term goals.
• Why core values need to be the foundation of the goals that you set.

Questions asked include:

• What rate of return would I need to earn to allow my money to last until I’m 89?
• What would you say to investors who are concerned about a looming market crash?

Featured Segment: Tips for Reaching Your Financial Goals

Featured Question: Relieving Fears of a Looming Market Crash

Full Episode

The post Financial Goal Setting appeared first on Wealth Enhancement Group.

Topics discussed include:

• The eligibility rules for deducting contributions to a tax-deferred IRA.
• How you can better prepare financially for uncertain future events.
• Why allocating your assets based on your time horizon can help you mitigate the risks of market volatility.
• Where insurance and estate planning fit into a comprehensive financial plan.

Questions asked include:

• I was born in 1952. Will I be able to take advantage of the “claim and suspend” strategy before it goes away?
• I have $120k in stock that I’d like to give to my four grandchildren to help them pay for college. Is there a way to give them the stock now so that it doesn’t count against them when applying for financial aid?
• Is it good advice to have both a Roth and traditional 401k going into retirement?

Featured Segment: Preparing for the Certainty of Uncertainty

Featured Question: Gifting Stock to Grandchildren for College

Full Episode

The post Preparing for the Certainty of Uncertainty appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies for investors when markets become volatile.
• Why markets have been so volatile during the early stages of 2016.
• An outlook on whether there will be another rate hike in the near future.

Questions asked include:

• What are the economic implications of the national debt?
• Should I sell my holdings in foreign equities, and if so, is now a good time to sell?
• When you discuss “long-term investments,” how do you define what a long term is?
• What is the VIX, and can you invest in it directly?

Featured Segment: Analyzing the Recent Market Volatility

Featured Question: Divesting From Foreign Equities

Full Episode

The post Maintaining Confidence During Bouts of Market Volatility appeared first on Wealth Enhancement Group.

Topics discussed include:

• An overview of the recent changes made to Social Security, and the claiming strategies that will no longer be available in the future.
• Whether you should accelerate when you claim Social Security to take advantage of these claiming strategies.
• How younger workers may be impacted by the recent changes made to Social Security.
• The factors you should consider before claiming your benefits.

Questions asked include:

• My spouse is retired and is 66 while I’m 59 and still working. What are our options to maximize our Social Security income?
• Why can’t I have an HSA if I’m enrolled in Medicare Part A?
• How long does it take to make up the difference between claiming at age 66 versus claiming at age 70?

Featured Segment: Analyzing the Recent Changes Made to Social Security

Featured Question: Contributing to an HSA While Enrolled in Medicare

Full Episode

The post Outlining the Recent Changes Made to Social Security appeared first on Wealth Enhancement Group.

Topics discussed include:

• Tips to help you keep better records when preparing to file your taxes.
• Financial to-do’s for the New Year.
• The benefits of rebalancing your portfolio on a regular basis.

Questions asked include:

• At what age should my wife and I begin working with a financial advisor?
• What is your outlook for 2016?
• I now have enough money saved to pay off my mortgage. What is the best way to withdraw that money?

Featured Segment: Financial Tips for the New Year

Featured Question: Paying Off a Mortgage

Full Episode

The post Preparing Your Financial Plan for 2016 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you should assess your values before making a large purchase.
• The importance of paying yourself first.
• How to avoid having emotions impact your long-term financial plan.

Questions asked include:

• How can a college student open a Roth if they don’t have a large initial investment?
• If I take my annual RMD, is there any way that I can move that money into a Roth IRA?
• My mother sold her house and is moving into senior living. Will she have to pay taxes on the proceeds from that sale?

Featured Segment: Avoid Busting Your Budget

Featured Question: Contributing RMDs to a Roth IRA

Full Episode

The post 4 Tips to Help You Avoid Busting Your Budget appeared first on Wealth Enhancement Group.

Topics discussed include:

• An update on the status of qualified charitable deductions for 2015.
• The potential tax consequences from a financial gift.
• The benefits of gifting money for college within a 529 plan.

Questions asked include:

• If you have claimed Social Security, is it true that you can reverse that decision?
• I have some I Bonds, and I don’t really need to use the money from them right now. Should I continue to let them sit or should I cash them out?
• If I give my kids $14,000, do they have to claim those gifts as income on their taxes?

Featured Segment: Financial Gifting for Parents and Grandparents

Featured Question: Potential Taxes on a Financial Gift to Family

Full Episode

The post Smart Financial Gifting for Parents and Grandparents appeared first on Wealth Enhancement Group.

Topics discussed include:

• The different ways you can donate to charity.
• Why bunching your deductions in a single year may be better than spreading out your deductions over multiple years.
• Why donating appreciated investments directly to charity is more efficient than donating the cash from the sale of an appreciated investment.
• An update as to whether you can donate your RMD directly to charity in 2015.

Questions asked include:

• I have $100,000 in a 403b with the option of converting it to a Roth 403b? What should I consider when deciding whether to convert that money?
• Is preservation of capital or return on investments more important for aging investors?
• What is the best way to utilize an inherited Roth IRA?

Featured Segment: Charitable Giving and Tax Planning

Featured Question: Rolling Money in a 403b to a Roth

Full Episode

The post Charitable Giving and Tax Planning appeared first on Wealth Enhancement Group.

Topics discussed include:

• What caused Congress to reform Social Security and how Social Security will change in 2016.
• An overview of the “file and suspend” and the “restricted application” strategies and the deadline to take advantage of both strategies.
• How current beneficiaries may be impacted.
• Strategies for those who haven’t yet claimed their benefits.

Questions asked include:

• Can grandparents gift Social Security benefits to members of their family?
• My wife’s Social Security benefits will be less than 50% of mine. Did we do something wrong when filing?
• Can I appeal previous capital gains to prevent a spike in my Medicare premiums?

Featured Segment: Understanding the New Social Security Regulations

Featured Question: Gifting Social Security Benefits

Full Episode

The post Understanding the Recent Changes to Social Security appeared first on Wealth Enhancement Group.

Topics discussed include:

• How to have the long-term care conversation with your family.
• Why you need to review your beneficiary designations.
• An overview of the Minnesota Long-Term Care Partnership program.

Questions asked include:

• What is the difference between the transfer on death and payable on death designations?
• Can a single life insurance policy cover both life and long-term care?
• If you don’t have long-term care insurance, what is the percentage of your assets that will be safe?

Featured Segment: Financial Planning with Aging Parents

Featured Question: The Difference between a TOD and a POD

Full Episode

The post Financial Planning with Aging Parents appeared first on Wealth Enhancement Group.

Topics discussed include:

• Planning strategies you should consider 5-10 years before you retire.
• How to transition from saving for retirement to spending your assets during retirement.
• Common financial surprises you should prepare for in retirement.
• Tips for managing your required minimum distributions (RMDs).

Questions asked include:

• When does it make sense to transfer my 401k from an old job to a financial planner?
• What are your thoughts about how the markets will react to rising interest rates?
• If there is more money in a traditional IRA than in a Roth, is it a good idea to move tax-deferred money into the Roth?

Featured Segment: Your Retirement Road Map

Featured Question: Moving an Old 401k to a Financial Planner

Full Episode

The post Navigating Your Retirement Road Map appeared first on Wealth Enhancement Group.

Topics discussed include:

• The definition of digital property and why listeners should care about managing their digital assets.
• Managing your passwords so that your loved ones can access your information after you pass on.
• Potential legal issues that could impact estate planning for your digital assets.
• How to pass on the digital music or videos that you’ve purchased.

Questions asked include:

• Doesn’t using biometric security such as a fingerprint reader make it even harder to access that person’s data?
• What are your thoughts on the changes to Social Security enacted in the latest budget?
• Can a trust be perpetual?
• How does an LLC benefit the children of a parent leaving a home to his children?

Featured Segment: Estate Planning for Digital Assets

Featured Question: Benefits of an LLC

Full Episode

The post Estate Planning for Digital Assets appeared first on Wealth Enhancement Group.

Topics discussed include:

• What types of care are classified as long-term care.
• Why Medicare won’t cover your long-term care costs.
• The typical out-of-pocket costs incurred from self-insuring your long-term care.
• Facilities beyond nursing homes that long-term care insurance will cover.

Questions asked include:

• Is it standard to have to pay taxes on long-term care benefits?
• What incentive do I have to pay for long-term care insurance when the government will help me foot the bill?
• Are there long-term policies that allow you to self-insure for several years before beginning to provide benefits?
• My husband is a veteran. Is it necessary for us to both have long-term care policies?
• What is the right age to buy a policy?

Featured Segment: LTC Misconceptions

Featured Question: Self-Insuring LTC Costs

Full Episode

The post Long-Term Care Misconceptions appeared first on Wealth Enhancement Group.

Topics discussed include:

• Using a Roth conversion as a tax-planning strategy.
• Making the most of your 401k and IRA before the end of the year.
• An overview of the changes to Social Security and Medicare that are included in the budget deal.

Questions asked include:

• Can I max out both a 401k and an IRA in the same year?
• Are my Social Security benefits taxed based on my income or my joint income with my spouse?
• Can you explain what the hold harmless provision is?

Featured Segment: Changes to Social Security and Medicare

Featured Question: Taxes on Social Security

Full Episode

The post Roth Conversions and Year-End Tax Planning appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why there was so much volatility in the markets during the third quarter.
• An update on the Chinese and Greek economies.
• Jim Cahn’s outlook on interest rates.
• Why economic indicators have little correlation to market performance.

Questions asked include:

• What are your thoughts on robo-advisors?
• Has your investment strategy beaten its benchmark?

Featured Segment: Third Quarter Market Update

Featured Question: Robo-Advisors

Full Episode

The post Market Update appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why there won’t be a Social Security Cost-of-Living adjustment in 2016.

Questions asked include:

• Does collecting Social Security disability prevent you from waiting until age 70 to claim your personal benefits?
• Can you explain what the Windfall Elimination Provision is?
• If you delay taking survivors benefits, do they increase from ages 66 to 70?

Featured Segment: Social Security Changes in 2016

Featured Question: Overview of Spousal Benefits

Full Episode

The post Q&A with the Social Security Administration appeared first on Wealth Enhancement Group.

Topics discussed include:

• The financial conversations you should have before a second marriage.
• Why financial planning in a second marriage is often more complex than in a first marriage.
• The important legal documents you may want to utilize in a second marriage.

Featured Segment: Money Tips for Second Marriages

Full Episode

The post Smart Money Tips for a Second Marriage appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why emotions tend to reduce investors’ returns over the long term.
• The financial benefits of behavioral advice.
• Strategies to help you make better financial decisions.
• How your health and your wealth are connected.

Questions asked include:

• What kind of investments are more frequently purchased depending on an investor’s emotions?
• Is it possible for financial advisors to time the market?

Featured Segment: Making Financial Decisions Based on Your Values

Full Episode

The post Why Investments Work Better than Investors appeared first on Wealth Enhancement Group.

Topics discussed include:

• How to estimate how much you’ll spend on health care in retirement.
• The powerful benefits that an HSA can add to your financial plan.
• An overview of the costs associated with Medicare.

Questions asked include:

• Can money in an HSA be used to pay for long-term care insurance premiums?
• Our long-term care premiums are going to increase by 26% next year. What can we do?

Featured Segment: Planning for Health Care Costs

Featured Question: Long-Term Care Partnerships

Full Episode

The post Planning for Health Care Costs appeared first on Wealth Enhancement Group.

Topics discussed include:

• The different goals that a life insurance policy can help you achieve.
• An overview of the different types of permanent life insurance policies.
• How you can evaluate which type of life insurance policy is right for you.
• Why stay-at-home parents need life insurance.

Questions asked include:

• Can you explain what second-to-die life insurance is?
• Should I opt for a survivor’s benefit on my pension, or should I take the larger individual benefit and purchase a life insurance policy?
• How are second-to-die life insurance policies underwritten?

Featured Segment: Life Insurance Basics

Featured Question: Purchasing Life Insurance to Supplement a Pension

Full Episode

The post Life Insurance Basics appeared first on Wealth Enhancement Group.

Topics discussed include:

• What estate planning means, and why almost everyone needs an estate plan.
• The difference between a will and a trust.
• How often you should review your estate plan, and what to look for when doing so.

Questions asked include:

• Can you have a Transfer on Death on a home to prevent it from going through probate?
• Can you have more than one Roth IRA?
• We have a will with one attorney and a power of attorney with another attorney. Is it okay to have multiple attorneys?

Featured Segment: Estate Planning Basics

Featured Question: Owning Multiple Roth IRAs

Full Episode

The post Estate Planning 101 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why women should avoid investing too conservatively.
• How to prepare if you’re part of the “sandwich generation.”
• The importance of creating and sticking to your long-term plan.

Questions asked include:

• How much can parents gift to their children this year?
• Are there any signs that the Minnesota legislature will reduce or eliminate the state estate tax?
• Our term-life insurance is going to end soon. What kind of coverage should we take out that will be there at the end of our lives and will offer a good payout?

Featured Segment: Financial Mistakes Women Should Avoid

Featured Question: Renewing Term-Life Insurance

Full Episode

The post 4 Financial Mistakes Women Should Avoid appeared first on Wealth Enhancement Group.

Topics discussed include:

• What it means to pay yourself first, and how it can help make your savings goals easier to achieve.
• Avoiding the temptation to live above your means.
• Why your core values are an essential component of your financial plan.

Questions asked include:

• What are the best ways for someone in his late 20s to start planning for retirement?

Featured Segment: Habits of the Financially Successful

Featured Question: Savings Strategies for People in Their 20s

Full Episode

The post 5 Habits of the Financially Successful appeared first on Wealth Enhancement Group.

Topics discussed include:

• An overview of last week’s volatility and an update on the Chinese markets.
• How timing your distributions can help limit taxes on your retirement income.
• Why bunching your deductions can potentially maximize the amount you’re able to deduct over the long term.

Questions asked include:

• Why is the current volatility different from 2008?
• Instead of paying taxes on my RMDs, can I use that money instead to pay for my grandchildren’s college education?
• What does the term “market correction” mean?
• Based on the recent volatility, should I consider converting my SEP-IRA to a Roth IRA?

Featured Segment: Strategies to Limit Taxes in Retirement

Featured Question: Using RMDs to Pay for Grandchildren’s College Education

Full Episode

The post Strategies to Limit Taxes in Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why remembering your core values can help make reaching your goals easier.
• The benefits of writing your goals down.
• Steps you can take now to make achieving your financial goals more manageable.

Questions asked include:

• I have four children and would like to put money away for their future weddings. What would be the best vehicle for wedding planning?
• I am currently age 68 and preparing to take RMDs from an IRA at age 70.5. What can I do to plan ahead for these future RMDs?
• I am leaving a public sector job after 11 years. What are my options for my 457 plan?

Featured Segment: Tips to Help You Reach Your Goals

Featured Question: Preparing for a Future RMD

Full Episode

The post 4 Tips to Help You Reach Your Financial Goals appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you should start early if one of your goals is to help your children pay for college.
• The tools you can use to save for future college costs.
• Why every family should take the time to fill out the FAFSA.
• How financial aid may be impacted from savings in a 529 plan.

Questions asked include:

• If I transfer assets in a brokerage account to another firm, is that a taxable event, and is there a fee for changing companies?
• My wife and I started a 529 about 7 years ago for our daughters. Can we change whose name is listed on the account?
• We’re selling our primary home for $340,000 and buying a new place for $220,000. Will we incur capital gains from the sale of our current home?
• What do you think about using a Roth IRA for college savings?

The post Saving for Future College Costs appeared first on Wealth Enhancement Group.

Topics discussed include:

• The primary differences between active and passive investing.
• What quantitative enhanced indexing is, and why it may be better than active and passive management.
• The differences between value and growth stocks.

Questions asked include:

• I understand that over time markets may be predictable, but also irrational. If that’s the case, how can you build a portfolio for individuals with a 10-, 15- or 20-year time horizon?

The post Active vs. Passive Management appeared first on Wealth Enhancement Group.

Topics discussed include:

• How you can roll assets from a traditional IRA into an HSA without incurring any taxes.
• Calculating how much more you’ll need to save to finance an early retirement.
• How your asset allocation should change depending on when you want to retire.

Questions asked include:

• If I want to switch investment firms, is there a cost or fee that I must pay?
• Can you suggest safe investment options that offer greater returns than money market accounts?
• Is the best way to retire early by purchasing high-quality stocks when you’re young?

The post 4 Tips to Help You Be Ready for an Early Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why having a written plan is so important to helping increase the chances you’ll have long-term financial success.
• How to generate sustainable income throughout the duration of your retirement.
• The obstacles that could torpedo your financial plan.

Questions asked include:

• Isn’t buying during a market retraction simply benefiting those who caused the retraction in the first place?
• Can benevolence in a financial plan impact gains and taxes in your favor?

The post 5 Components of a Successful Financial Plan appeared first on Wealth Enhancement Group.

Topics discussed include:

• Defining what it means to be a financially independent woman.
• How women can estimate how much money they’ll need throughout their lifetimes.
• Why becoming educated about their finances can help women feel more confident.

Questions asked include:

• Does the fact that women are more likely to follow financial advice make them more vulnerable to dishonest advice?

The post Strategies to Help You Become a More Financially Independent Woman appeared first on Wealth Enhancement Group.

Topics discussed include:

• How to differentiate between good debt and bad debt.
• When paying down debt may be the best investment you can make.
• Deciding how quickly you should pay off your mortgage.
• How the Greek debt situation could impact global markets.

Questions asked include:

• I’ve held my former employer’s stock for 15 years after leaving the company, and that stock has become a majority of retirement investments. Should I sell and become more diversified?
• How do you construct a portfolio to deal with black swans such as Greece?
• What are some basic financial advice that you would give to anyone?

The post Good Debt vs. Bad Debt appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why estate planning isn’t only for the very wealthy.
• An overview of wills and joint tenancy.
• The importance of having up-to-date beneficiary designations.
• When a trust may be appropriate for you.

Questions asked include:

• If a real estate parcel is listed on a transfer on death deed, can this be superseded by a second or third transfer on death deed?
• If I have a will with a trust for my minor children, can I name that trust as the beneficiary of my assets to avoid probate?
• Can I make a will on my own?
• What is your opinion on pre-paying for a funeral?

The post 4 Simple Estate Planning Tips appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why it’s okay to talk to your kids about money.
• When teaching your kids about money, actions often speak louder than words.
• What you can do to help your kids learn to live within their means.

Questions asked include:

• My daughter is a recent college graduate and just started a new job. Should she start a Roth or a traditional IRA?
• Why is 4% considered a safe withdrawal rate?

The post How to Be a Better Financial Role Model appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies for estimating what your annual income in retirement needs to be to maintain your current lifestyle.
• Identifying why 4% is considered a “safe” withdrawal rate.
• Why your spending may increase during the early stages of your retirement.

Questions asked include:

• What are the two to three biggest tax changes to plan for in retirement?
• Will I be notified by my IRA custodian how much I have to withdraw to satisfy my RMD requirements?
• What is the best way to catch-up on saving for retirement?

The post Are You Spending Too Much in Retirement? appeared first on Wealth Enhancement Group.

Topics discussed include:
• The benefits of having exposure to international markets in your portfolio.
• How investors should prepare for short-term uncertainty in the markets.
• The outlook for interest rates over the rest of 2015, and how rising rates could impact investors.
• The sectors of the market that may perform well over the next three to five years.

The post Market Update: Should You Be Worried About Rising Rates? appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why retirement causes so much anxiety for so many people.
• Identifying the common risks to your financial plan after you retire.
• Strategies for managing your income in retirement.
• The importance of staying active during retirement.

Questions asked include:

• Should I pay off student loans before maxing out contributions to an IRA, or should I do a mix of the two?
• For a 65 to 75-year-old person, what’s a good ratio of stocks, bonds and cash to provide reasonable returns and capital preservation?
• How is it a possible for a woman at full retirement age to collect the equivalent of her husband’s Social Security amount while waiting until she is 70 years old to collect her Social Security?

The post Reduce Your Anxiety in Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why your living expenses may actually increase once you reach retirement.
• The importance of maintaining a diversified portfolio after you retire.
• Identifying what your purpose will be once you stop working.

Questions asked include:

• Can a person take distributions from an IRA annually before retiring?
• What is your advice to future retirees when it comes to debt?
• We are currently ages 66 and 68. Should we move assets that are currently in a 401k over to a Roth IRA in order to limit RMDs in future years?

The post 3 Actions to Avoid During the First 3 Years of Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• The eligibility requirements for Social Security spousal benefits.
• The differences between file and suspend and claim and suspend.
• An overview of benefits available for divorced and widowed spouses.

Questions asked include:

• How does Social Security calculate the amount of a person’s benefit?
• I was in the Army National Guard for six years. Am I considered a veteran under Social Security, and if not, what is Social Security’s definition of a veteran?
• Does a widowed spouse have to be a U.S. resident in order to receive spousal benefits from Social Security?
• How are Social Security spousal benefits affected when one divorced spouse remarries?

The post Social Security Spousal Benefits 101 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Evaluating when to claim your Social Security benefits.
• Using retirement calculators to identify whether you’ve saved enough to retire.
• Allocating your portfolio based on your time horizon.

Questions asked include:

• Can you explain what file and suspend means in relation to claiming Social Security?
• When is it a good idea to have a revocable trust?
• How much money should you have in each taxable bucket?

The post 5 Financial Steps You MUST Take Before You Turn 65 appeared first on Wealth Enhancement Group.

Topics discussed include:

• The financial and personal benefits of a college education.
• Evaluating how much you are able to save for college based on your cash flow.
• Deciding which investment vehicle to use when saving for college.
• Why you should prioritize saving for retirement over saving for college costs.

Questions asked include:

• Can grandparents open a 529 plan to save for their grandchildren’s college education?
• If you don’t use all of the funds in a 529 plan, can you use that money for something else?
• Are you allowed to gift stocks into a 529 account?
• What are the top financial tips you give clients, regardless of age and financial status?

The post Planning for College Costs appeared first on Wealth Enhancement Group.

Topics discussed include:

• What an asset location strategy means, and how you can implement it into your financial plan.
• How to decide which type of account to purchase an investment in.
• How to increase your tax diversity as you approach retirement.
• Preparing for future taxes on your Social Security benefits.

Questions asked include:

• We have an S corporation and would like to close it before retiring. What steps should we take to minimize the tax implications?
• I have elderly parents in the nursing home, and I have the opportunity to sell some of their land to help fund their long-term care costs. Should I do this now or wait until after they pass?
• I have after-tax money comingled with pre-tax money in my IRA. Every year, I have to fill out Form 8606 to avoid paying taxes on my after-tax money. Is there any way to avoid having to fill out the form every year?
• What is the average amount needed for a couple to have saved for retirement?

The post Location, Location, Location: The New Rules of Investing appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies to help evaluate whether you’ve saved enough for retirement.
• How your sequence of returns dictates your withdrawal rate in retirement.
• Health insurance options if you choose to retire prior to Medicare eligibility.

Questions asked include:

• I currently make $164,000. Can I contribute to a Roth through my employer, or do I make too much money?
• I have I Bonds that my parents purchased for me in 2005-2006. Should I leave them until they mature, or should I cash out and invest in something else?
• I had originally intended to retire at age 66, but now I’m thinking about retiring at age 65 instead. How do I figure out if I can do this based on my finances?

The post What to Consider When Choosing Your Retirement Date appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why your 50s are a critical time when it comes to saving for retirement.
• Strategies if you haven’t yet begun saving for retirement.
• The importance of beginning to plan for future health care costs.
• Advice for those who want to retire in their 50s.

Questions asked include:

• Should I take Social Security when I retire that year, or should I use money from my 401k until my full retirement age?
• Can you roll an HSA into a traditional IRA?
• Do you have to turn 50 in 2014 to be able to put the extra $1,000 in an IRA for 2014?
• How do you feel about a CD ladder in retirement?

The post Investing in Your 50s appeared first on Wealth Enhancement Group.

Topics discussed include:

• How saving for retirement differs between singles and those with a partner.
• The tax disadvantages that singles often face.
• Social Security benefits available for widow(er)s and divorced spouses.
• Estate planning considerations for singles.

Questions asked include:

• I have a SIMPLE IRA and I would like to roll those assets over to a traditional IRA. Why am I being charged a fee to close out my SIMPLE IRA?
• Can I sell my holdings in my 401k and leave the proceeds inside of the account?
• What is your top recommendation for people in their 20s to begin saving for retirement?
• I’m age 65 and have an HSA. Can I roll that over into an IRA?

The post Financial Planning for Singles appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies that can help reduce your 2014 income in 2015.
• The differences between a W-2 and a 1099.
• Commonly overlooked tax deductions.
• Tips to help reduce the costs of filing.

Questions asked include:

• Is there still a tax credit for making energy efficient renovations to my home?
• What are the situations where distributions from a health savings account will be taxable?
• I own a rental property that didn’t generate any income last year. Are expenses incurred on the property still deductible?
• How are Social Security benefits taxed?

The post Last Minute Tax To-Do’s Before You File Your Return appeared first on Wealth Enhancement Group.

Topics discussed include:

• How volatility affects you in the accumulation and withdrawal phases of retirement planning.
• The benefits of shifting your allocation based on your time horizon.
• Why investors purchase volatile investments.
• The outlook for interest rates over the next year.

Questions asked include:

• My son is graduation from college and would like to start a retirement account. What would you advise?
• My wife has about $300,000 in a 401k and recently got a new job. What are the benefits of rolling that money into her new company’s 401k plan compared to bringing that money to a financial advisor to manage?
• What do you think is a realistic rate of return for future planning?

Download our new guidebook “5 Ways to Stop Volatility From Ruining Your Retirement” here.

The post Why and When to Care About Market Volatility appeared first on Wealth Enhancement Group.

Topics discussed include:

• What a typical insurance physical consists of.
• The risk factors that insurance companies are looking for from your physical.
• Steps to take that can help reduce your premiums.

Questions asked include:

• How is an insurance physical different from my annual physical?
• How do life insurance companies look at e-cigarettes?
• I was denied coverage from an insurance company. Will I ever be eligible to get coverage through that company again since I was denied once?

The post Passing Your Insurance Physical: How to Stay Healthy appeared first on Wealth Enhancement Group.

Topics discussed include:

• How better organization can make your taxes less stressful.
• Tips to recognize and avoid possible tax return fraud.
• The important of year-round tax planning.
• Last minute tips to help you reduce your 2014 taxes in 2015.

Questions asked include:

• How do you record donations made to a silent auction when itemizing deductions?
• What is the deadline to convert to a Roth IRA for 2014?
• Generally speaking, what topics should be covered during an annual review with a financial advisor?
• I’m planning to retire in about three years and currently have good health insurance through my employer with access to a Flexible Spending Account. Would it make sense to switch coverage in order to be eligible to open a Health Savings Account?

The post Tips to Make Tax Season More Bearable appeared first on Wealth Enhancement Group.

Topics discussed include:

• The unexpected costs that Medicare entails.
• An overview of the four parts of Medicare and what services are and aren’t covered.
• The difference between the fiduciary and suitability standards.

Questions asked include:

• My financial goals are growth and income. Last year, my portfolio underperformed major market indices. Should I be disappointed with my advisor?
• As a 29-year-old, what is the single most important thing I can do when starting my portfolio?

The post 4 Medicare Misconceptions appeared first on Wealth Enhancement Group.

Topics discussed include:

• Advice to having a conversation with your loved ones about your estate plan.
• Considerations for leaving a cabin or a farm to your children that can’t be divided equally.
• Strategies for leaving assets to minors.

Questions asked include:

• What is the document needed to bypass probate?
• We have primary and secondary beneficiaries on all of our financial assets and transfer on death registration on our home. Is there any reason for us to have a trust?
• How do spousal IRAs and second-to-die life insurance fit into estate planning?
• I don’t know anyone who I’m comfortable naming executor of my estate at this time. Should I name an attorney as my executor?

The post How to Talk With Your Family About Your Estate Plan appeared first on Wealth Enhancement Group.

Topics discussed include:

• The different types of life insurance policies you can purchase.
• How life insurance can operate as an estate planning tool.
• What to consider when deciding what type of life insurance policy is right for you.
• The reasons why you should review your current insurance policies.

Questions asked include:

• I pay for life insurance through my employer. Upon retirement, do I lose that benefit and the money I’ve put into it?
• When a company provides life insurance for an employee, is it true that the employer gets a share of the benefits?
• My life insurance cash value is starting to go down. What are my options with the policy?

The post Taking Inventory of Your Insurance appeared first on Wealth Enhancement Group.

Topics discussed include:

• What the Medtronic inversions means to its shareholders.
• Strategies to consider to help limit capital gains taxes you may face after the inversion.
• How an inversion may impact your estate plan.
• Possible foreign taxes you may owe from the Medtronic inversion.

Questions asked include:

• If compensation is earned but deferred, does the deferred amount count towards your Roth eligibility maximum?
• We sold a condo at a loss and would like to use the loss to offset the tax of a Roth conversion. What is the procedure we should follow to do this, and are there any time restrictions?

The post Considerations After the Medtronic Inversion appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of communicating with your significant other about money prior to and during marriage.
• Common pitfalls that can derail your financial plans.
• Strategies to help you avoid or fix a financial problem in a relationship.

Questions asked include:

• I’m refinancing a 30 year loan and have the option to not escrow. Please discuss the pros and cons of escrowing with the mortgage company.
• $200 is being withheld monthly from a recently rolled over IRA. Should I be receiving a 1099?
• My wife and I have an annual income of $250,000. Can we still contribute to a Roth IRA or is our combined income too high?

The post Money & Relationships appeared first on Wealth Enhancement Group.

Topics discussed include:

• What diversification means and why 2014 was a tough year for diversified portfolios.
• The outlook for the markets in 2015.
• Why investors tend to buy high and sell low.

Questions asked include:

• Can I have a diversified portfolio using only stocks?
• When discussing stocks, what does the term “cap” mean?
• What is the difference between growth stocks and value stocks?

The post Market Commentary: Preparing for 2015 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Understanding how the deciding when to claim Social Security impacts your total benefits.
• The pros and cons of claiming Social Security early.
• How working could lower your monthly benefits prior to reaching your full retirement age.
• Situations that could cause your Social Security benefits to be taxed.

Questions asked include:

• Can you explain the Windfall Elimination Provision of Social Security?
• I’m almost 66 and not yet collecting Social Security. Please explain how I claim off of my ex-spouse’s Social Security benefits until I reach age 70.
• How are benefits reduced by working the year I reach full retirement age?

The post Social Security 101: What You Need to Know BEFORE You File appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of recording your starting point before beginning to set goals for yourself.
• Strategies that can help make it easier to set and keep your goals in 2015.
• Work to stay disciplined over the long term when working towards your financial goals.

Questions asked include:

• Do previous distributions figure into the required distributions at age 70.5?
• I’m 66 years old and drawing on my spouse’s Social Security while allowing my benefits to grow until I reach age 70. Is this a wise decision?
• Is it true that when my husband and I retire, will the lower wage earner’s Social Security benefit will increase to half of the higher wage earner’s benefit?

The post Financial Fitness in 2015 appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies that can help make increasing the amount you save easier to accomplish.
• How to prioritize where you save and invest your money.
• The importance of paying off inefficient debt as quickly as possible.

Questions asked include:

• I want to name a sibling as a beneficiary on an IRA. What are the tax consequences for a sibling when they inherit it?
• Where do you currently recommend investing cash for those who do not want to lose their principal?
• I’m in my 60s and I’ve never invested in bonds—I have cash and stocks. Am I wrong?

The post 5 Financial Resolutions You Should Make in 2015 appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of taking care of your retirement savings prior to saving for your children’s college education.
• Prioritizing different strategies when saving for retirement.
• The two most common plans used to save for college.
• How to take advantage of a Roth IRA if you make too much to directly contribute to one.

Questions asked include:

• Can you explain what FINRA and SIPC are?
• How do the fees at Wealth Enhancement Group compare to other financial services companies?
• What are your thoughts about the markets in 2015?

The post Spending on Kids Vs. Saving for Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• The advantages and disadvantages of claiming a severance package as a lump sum versus taking it in monthly installments.
• The importance of avoiding making emotional decisions immediately after receiving a severance package.
• Strategies for managing your current 401k when receiving a severance.

Questions asked include:

• If I gift stocks to family members and they sell it after less than a year, will the proceeds from that sale be considered as a short-term or long-term capital gain?
• Should I transfer funds from my Roth 401k into a Roth IRA?
• What are the top tips you give when it comes to making and keeping your financial house in order?
• I’m maxing out my Roth IRA? Can I also max out my Roth 401k?

The post What to Do With a Severance appeared first on Wealth Enhancement Group.

Topics discussed include:

• Reviewing how different asset classes performed in 2014.
• The challenges of predicting the markets in the short term.
• What a stronger dollar means for the economy.
• The benefits from regularly rebalancing your portfolio.

Questions asked include:

• Does Social Security continue to grow even if I retire and stop contributing?
• Are the markets completely irrational?
• During the Great Recession, many business were holding cash. Are they still doing this, and how does it affect the stock market?
• What purpose do bonds have in your portfolio? With equities offering so much upside over the long term, why would you invest in bonds?

There is no guarantee that asset allocation or diversification will enhance overall returns, outperform a non-diversified portfolio, nor ensure a profit or protect against a loss.

No strategy assures success or protects against a loss.

The post Why Rebalance Your Portfolio, and When? appeared first on Wealth Enhancement Group.

Topics discussed include:

• Using RISE to determine what organizations to donate to.
• Strategies that can help you maximize the benefits you receive from a charitable gift.
• An overview of donor-advised funds and charitable remainder trusts.

Questions asked include:

• I will turn 66 next spring and my Social Security benefits will be higher than the survivors benefits I’m currently receiving. Can I continue to receive my survivors benefits until age 70 in order to maximize the amount of my own Social Security benefits?
• Do you pay federal taxes on Social Security?
• What are some clear signs that a person is managing their personal finances well or some warning signs that they aren’t?

The post Charitable Giving and Your Finances appeared first on Wealth Enhancement Group.

Topics discussed include:

• How to stay disciplined with your spending during the holiday season.
• The importance of budgeting ahead of time.
• Remembering your core values when spending money.

Questions asked include:

• If I retire and don’t claim Social Security, will it continue to grow while I wait to claim it?
• I have CDs maturing and can renew them at 1.5%. Is there a better alternative?
• Do you recommend maxing out a Roth IRA before paying off credit card debt? Should I max out a Roth IRA before saving money for college?

The post Holiday Budgeting appeared first on Wealth Enhancement Group.

Topics discussed include:

• Who caregivers are and the types of care they provide.
• How CaringBridge can make communicating during a health event easier.
• How you can prepare to be a caregiver in the future.
• The financial impact of being a caregiver.

Questions asked include:

• How do you get involved with CaringBridge? What is the process?
• What is the key factor when it comes to caregiving your values?
• Can you give an example of what you mean when you mention that strategies are more important than investments?

The post Caregiving, Finances & Stress – How to Cope appeared first on Wealth Enhancement Group.

Topics discussed include:

• Key factors to consider when deciding whether you should change your residency to another state.
• How to decide whether to permanently move or to become a snowbird.
• Evaluating how different states collect taxes.
• The value of renting in a new state prior to buying a home there.

Questions asked include:

• If you travel in a RV, how does that affect your residency requirements?
• Should I delay Social Security and start taking distributions from my 401k, or should I claim Social Security now and allow my 401k to continue to grow?
• What is the maximum gift limit, and what are the tax liabilities if I exceed that amount?
• What factors should I consider if I want to move to Europe?

The post Unexpected Costs of Moving in Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Balancing the financial benefits of carrying a mortgage into retirement and the emotional benefits of paying off a mortgage quickly.
• Deciding whether to focus on investing or focus on paying off your debt.
• The advantages of having your mortgage payments automated.
• Evaluating fixed-rate and variable-rate mortgages.

Questions asked include:

• I currently have no debt and I am looking to buy a new truck. Should I finance against the equity in my home or should I finance the truck?
• We recently bought a house for a new job and lost all of my equity. Should we look at refinancing our current mortgage?
• Why do I have to wait for 3-4 days for a Roth conversion to go through? With so much volatility in the markets right now, I don’t want to be out of the market for that long.
• What do you currently think about the bond market?

The post Should You Pay Off Your Mortgage in Retirement? appeared first on Wealth Enhancement Group.

Topics discussed include:

• Managing the emotions that coincide with a financial windfall.
• Strategies for managing a windfall if you aren’t accustomed to managing a large sum of money.
• Planning for potential taxes on your windfall.

Questions asked include:

• I have a limited window of opportunity to take a lump sum from a traditional defined benefit pension plan. How do I decide if I should take the lump sum option?
• I put 12% into my 401k with my employer matching 4%. Am I better off putting the extra 8% into a Roth IRA or should I continue putting into my 401k?
• I bought a townhome for $50,000. If I sell it for $120,000, will I have to pay capital gains taxes on that $70,000 gain?
• What are some different strategies for managing distributions during retirement?

The post What to Do With a Financial Windfall appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of planning for taxes during retirement.
• How tax-loss harvesting can help offset possible capital gains taxes.
• The benefits of making a Roth conversion before the end of the year.

Questions asked include:

• I recently inherited a retirement account, but there was no beneficiary designation. Can I still roll it over into an inherited IRA?
• If a person filed for bankruptcy, are SEP accounts protected assets?
• What do you think about 1031 exchanges? What are the pros and cons with this strategy?
• When someone inherits a Roth IRA, why does the IRS mandate distributions and why are those distributions taxable?

The post 5 Tactics for a Low-Tax Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• How investors should approach the recent volatility in the markets.
• The benefits of having enough cash to cover 3-6 months of expenses.
• Why your core values should guide your financial decisions.

Questions asked include:

• At what point in a downturn would you begin to reduce your monthly withdrawals?
• Can you explain what dollar cost averaging is?
• Can I have my RMD go directly to charity in order to avoid having to pay taxes on the distribution?
• Can you give an overview of long-term care insurance?

The post Financial Habits to Try for the Rest of the Year appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of receiving specialized information from your financial advisor.
• Why financial advisors should be upfront about their fee schedules.
• How financial planning may be more valuable than investment management.

Questions asked include:

• How critical is the preservation of capital in the first few years of retirement?
• Can I convert an IRA into municipal bonds for tax-free income?

The post 7 Things Your Financial Advisor Doesn’t Want You to Know appeared first on Wealth Enhancement Group.

Topics discussed include:

• What a corporate inversion is and how it may impact investors.
• Why a corporate inversion is a taxable event for investors.
• Strategies to reduce your tax liability if you own shares of an inverting company.
• The benefits a donor-advised fund and a charitable remainder trust provide if you want to donate shares of a stock to charity.

Questions asked include:

• When I die, is there a step-up in basis for my assets inside of an IRA and 401k?
• If we gift assets to adult children now, would they have to return that gift if we couldn’t afford long-term care in the future?
• How does having a community spouse affect the division of assets for long-term care?
• Could you provide more details about the Alternative Minimum Tax (AMT)?

The post Corporate Inversions: How You May Be Affected appeared first on Wealth Enhancement Group.

Topics discussed include:

• Whether second-to-die life insurance is appropriate for you.
• The estate planning benefits second-to-die life insurance has.
• Strategies for using required minimum distributions when you don’t need the money.
• Strategies for avoiding estate taxes with a life insurance policy.

Questions asked include:

• My father does not want to use a life insurance policy to limit estate taxes. Are there any other strategies available for limiting estate taxes?
• My employer offers accidental death and basic life insurance. Do I need to have both?
• How does a health condition affect the underwriting of a second-to-die policy?

The post How Second-to-Die Life Insurance Can Help Your Financial Plan appeared first on Wealth Enhancement Group.

Topics discussed include:

• Financial considerations for the short term and the long term when you lose a loved one.
• The important documents you will need to managed the deceased’s finances.
• The benefits of working with a financial professional during these times.

Questions asked include:

• If a loved one has an established trust, will it avoid probate? If that trust has sizeable holdings, how would you recommend splitting those assets among three beneficiaries?
• What are the different tax consequences with a trust?
• What are the pros and cons with taking out a loan against your 401k?
• How should I prioritize paying of student loan debt?

The post Financial Matters Before & After the Loss of a Loved One appeared first on Wealth Enhancement Group.

Topics discussed include:

• The challenges of discussing life insurance.
• The benefits of buying life insurance coverage at a younger age.
• The factors you should look at when purchasing a life insurance policy.
• The importance of regularly reviewing your policy.

Questions asked include:

• Are you ever too old to purchase a life insurance policy?
• Does a 403b have the same rules as a 401k?
• Should we buy a term policy for our 24 year old daughter who doesn’t have life insurance through work?
• How long should you keep old investment statements?

The post Common Mistakes to Avoid When Buying Life Insurance appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of planning for how much you will need in retirement.
• Prioritizing saving for retirement over saving for college.
• Maximizing the benefits of your employer-sponsored retirement plan.
• Evaluating the amount of risk you should have in your portfolio.

Questions asked include:

• What is a longevity annuity?
• Should I begin taking Social Security benefits when I reach full retirement age, or should I delay receiving benefits?
• Should someone age 60 take a vested pension as a lump sum now or as monthly income at age 65?

The post What to Do If You Started Saving Later in Life appeared first on Wealth Enhancement Group.

Topics discussed include:

• How inflation affects different spending categories differently.
• Why keeping your money in cash can lead to a net-negative outcome.
• Using Treasury Inflation-Protected Securities as a hedge against inflation.

Questions asked include:

• I have some Medtronic stock. Is there a way to gift shares to my teenage son in order to get tax relief from the inversion?
• Am I being too conservative by having half of my money in stocks and the other half in bonds?
• Do advisors provide enough value to make up for the fees that are being charged?

The post Strategies to Help You Protect Against Inflation appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why long-term care insurance is something almost everyone should at least consider.
• Finding health care coverage if you retire prior to being eligible for Medicare.
• How to utilize a health savings account in your retirement plan.
• Why being exposed to growth in your portfolio can help you prepare for rising health care costs.

Questions asked include:

• I am 64 and looking to retire next year. What do you recommend I do over the next eight months?
• Can you explain what investments you would choose that are tax-advantaged?

The post Health Care Costs in Retirement appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why you should start preparing your taxes now rather than waiting until the spring.
• The importance of contributing to your retirement plan if your income will be higher this year.
• The value of performing a Roth conversion if your taxable income will be lower this year.

Questions asked include:

• What is the most tax-efficient way to withdraw money from my retirement accounts?
• Does a Roth conversion count towards my required minimum distributions?
• From a tax perspective, which account should I withdraw from: a 401k or a Roth?
• Can I contribute to a health savings account (HSA) if I am retired?

The post Preparing for Next Year’s Taxes, This Year appeared first on Wealth Enhancement Group.

Topics discussed include:

• How employer-sponsored plans can make saving for retirement simpler.
• The contribution limits different retirement plans have.
• The importance of taking advantage of matching contributions.

Questions asked include:

• I am currently contributing 10% to my employer’s plan and the plan has a 6% match. Am I contributing enough?
• What is the most efficient way a single person can withdraw money from his/her retirement accounts?
• Does it make more sense to pay off a college loan before I save for retirement?
• How does a business set up its own retirement plan for its employees?

The post Making the Most of Your Employer-Sponsored Retirement Plan appeared first on Wealth Enhancement Group.

Topics discussed include:

• How you can protect your information, and what are the risks if you don’t protect yourself.
• How you can spot fraudulent emails.
• Tools you can use to help manage your passwords.
• The risks with transferring money online.

Questions asked include:

• VPNs are routinely used by businesses. Do you recommend them for personal computers and mobile devices?
• How can I protect myself from fraudulent card readers? And, if I’m a victim of identity theft, what recourse do I have?
• Where can I obtain my Social Security statement?
• How can I found out how much Social Security I will receive when I choose to begin receiving benefits?

The post Protecting Your Information Online appeared first on Wealth Enhancement Group.

Topics discussed include:

• When profit taking may be appropriate.
• The value that a financial advisor can add to your portfolio.
• How you may be underestimating the amount of money you will need in retirement.
• Why life insurance still has value when you enter retirement.

Questions asked include:

• With stock markets near all-time highs, do you think I should move money from stocks to cash?
• Is it a myth that it’s good to delay taking Social Security past the age of 62?
• How does knowing a client’s core value help you provide better advice?
• Can withdrawals from a Roth IRA be reinvested into the Roth IRA at a future date?

The post Dispelling Traditional Financial Myths, Part II appeared first on Wealth Enhancement Group.

Topics discussed include:

• Should people stay in the stock market when markets are at all-time highs?
• The value of bonds in today’s market and the outlook for interest rates.
• The outlook on global markets.
• The sectors most attractive to investors right now.

Questions asked include:

• As a Medtronic shareholder, what do I do if I don’t know the cost basis of the stock that I own?
• If inflation is low, why have food and fuel costs risen by 30%?
• I’m 19 years old and want to open a Roth IRA. Is $500 enough to open one?
• I was advised to put a lot of my money in bonds, but I’m concerned I didn’t receive sound financial advise. What do you recommend?
• We are ages 68 and 62 and have just retired. What can we do to avoid running out of money?

The post Mid-Year Economic Outlook appeared first on Wealth Enhancement Group.

Topics discussed include:

• Strategies to help your children achieve financial independence.
• The value of a post-secondary degree.
• Teaching your children to pay themselves first..

Questions asked include:

• Is it better to carry a monthly balance on my credit card or should I pay it off every month?
• What’s the best way to teach our kids about the importance of planning for retirement?

The post Establishing Financial Independence appeared first on Wealth Enhancement Group.

Topics discussed include:

• The four options you have when rolling over your 401k.
• Why regulators are so focused on 401k rollovers.
• The key factors to consider when deciding to roll over your 401k.

Questions asked include:

• Can I roll a pension buyout into an existing IRA as pre-tax money?
• Can I roll my 401k into an IRA and invest in real estate?

The post 401k/IRA Rollovers appeared first on Wealth Enhancement Group.

Topics discussed include:

• An economic update.
• The tax implications of the proposed Medtronic merger.

Questions asked include:

• I have money in a 401k or IRA, and I want to convert it into a Roth IRA. Is there a five year holding period before I can withdraw money I converted?
• Can a 16-year-old contribute to a Roth IRA?
• Is it more beneficial for the economy if a company pays a dividend or if a company invests money?
• I am nearing retirement, and I am concerned about a downswing in the market. How do you recommend I get out of the market without receiving a big tax hit?

The post Open Lines appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of starting to save for retirement as early as possible.
• The different milestones that can help you keep your retirement plan on track.

Questions asked include:

• Should I take my pension as a lump sum or in monthly installments?
• I can no longer contribute to my 401k and I’m not earning much of a return on it. Can I move those assets somewhere else?
• What are the tax implications of taking distributions from my 401k?
• What’s a good rule of how much I will need at retirement?

The post Retirement Planning Milestones appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why everyone needs an estate plan.
• The differences among wills, revocable trusts and irrevocable trusts.
• How proper estate planning can reduce taxes for your beneficiaries.
• The current estate tax landscape.

Questions asked include:

• How do I determine values of property that I have inherited?
• If I end up in a nursing home, will my estate be used to pay for that?
• Can you explain a family trust for a cabin?
• If my parents had debts when they passed on, am I obligated to pay them?
• Why would someone have both a will and a trust?

The post Estate Planning appeared first on Wealth Enhancement Group.

The post Family Financial Planning appeared first on Wealth Enhancement Group.

Topics discussed include:

• The benefits of working with a financial advisor.
• Why people don’t work with a financial advisor.

Questions asked include:

• Does it make sense to pay a financial advisor 1% rather than do it myself?

The post Open Lines appeared first on Wealth Enhancement Group.

Topics discussed include:

• Why interest rates rise and fall.
• How rising rates can affect your investments.
• What you can do to protect yourself from rising rates.
• How investors should approach the uncertainty surrounding bonds.

Questions asked include:

• Are mortgage bridge loans a good investment?
• Where do I get tax-free bonds, and what yields should I expect?
• At what age can I withdraw money from my company’s 401k and invest it myself?

The post Should You Be Worried About Rising Interest Rates? appeared first on Wealth Enhancement Group.

Topics discussed include:

• What the sandwich generation is and who tends to be part of it.
• Why the sandwich generation affects women more than men.
• Strategies to help you plan for your unique situation.

Questions asked include:

• What is your attitude about beating the market versus reducing risk?
• Can you give examples of tax-advantaged investment options?
• Is life insurance too expensive to act as an effective investment option?

The post Mothers Living in the Sandwich Generation appeared first on Wealth Enhancement Group.

Topics discussed include:

• When you should purchase life insurance and how much you should buy.
• How you quantify the value of a spouse who stays at home.
• The different types of life insurance available.
• The pricing difference between private insurance and insurance offered through your employer.

Questions asked include:

• Which is more important: long-term care insurance or life insurance?
• How much should I set aside for premiums for second-to-die life insurance?
• If I’ve been paying insurance premiums for a long time and now can no longer afford the premiums, do I have to give up all of the benefits?
• What’s the downside of using life insurance equity to pay off debt?

The post Life Insurance: What’s Worth It? appeared first on Wealth Enhancement Group.

Topics discussed include:

• The purpose of investments for your retirement plan.
• Aligning your portfolio based on your values and goals.
• Managing risk in an investment portfolio.
• Achieving a diversified portfolio.

Questions asked include:

• What is your outlook on the dollar? What are your thoughts about Bitcoin?
• What are some strategies to reduce taxes on distributions from a government-sponsored savings plan?
• Where can I invest my money so that it’s accessible and will earn some kind of percentage while still being safe?
• What are your thoughts about mortgage bridge loans?

The post Making the Best Investment Decisions for YOU appeared first on Wealth Enhancement Group.

Topics discussed include:

• The importance of drafting a will.
• Beneficiary designation forms.
• Tax implications for a beneficiary.
• The benefits of naming a trust as a beneficiary.

Questions asked include:

• What kind of documentation do you need to have real estate listed as transfer on death?
• Does a life insurance policy go directly to my beneficiary, or does a portion of it go towards unpaid debts I’ve incurred?
• Do you have suggestions for finding the cost basis of an investment?

The post Beneficiary Designation Review appeared first on Wealth Enhancement Group.

Topics discussed include:

• The rising costs of college.
• Different savings vehicles used for college.
• Available options if you haven’t saved enough for college.
• Balancing saving for college and saving for retirement.

Questions asked include:

• Are there any immediate tax benefits from gifting money to a grandchild?
• How can I maximize the amount of financial aid I receive while still saving for school?
• How does a grandparent’s 529 plan affect the student’s standing for financial aid and scholarships?
• What are the biggest advantages of a Roth IRA?

The post College Planning appeared first on Wealth Enhancement Group.

Topics discussed include:

• Financial Literacy Month.
• The importance of teaching your children values.
• Allowances.

Questions asked include:

• Will my EE and I bonds go to probate, or would my children be able to cash them in?
• Should I put money towards a mortgage or should I invest it?
• Can I convert a 403(b) into a Roth IRA?

The post Raising Financially Literate Kids appeared first on Wealth Enhancement Group.

Topics discussed include:

• Recent tax changes in 2014 for Minnesota residents.
• Strategies for using your tax refund.

Questions asked include:

• I keep receiving 1099 corrections. How long should I wait to file?
• What figures do I use for capital gains from an inherited property rating?
• Should I put my IRA into a trust?
• Is a Minnesota resident who goes to college in Wisconsin eligible for a rent credit in Minnesota?

The post What to Do with Your Tax Refund appeared first on Wealth Enhancement Group.

Questions asked include:

• Is there a phase out limit with a Roth 401k?
• My spouse died in 2012. Is it true I can still file jointly for tax year 2013?
• What are some of the things that trigger an audit from the IRS?
• If a parent makes a payment on a child’s student loan, can that be deducted by the parent?
• How do you account for income from a class action lawsuit on your taxes?
• What is the best method to roll money from a Thrift Savings Plan (TSP) to a Roth IRA?
• What are the items that I need to keep track of as a new landlord?

The post Tax Specialist Roundtable appeared first on Wealth Enhancement Group.

Topics discussed include:

• Required Minimum Distributions (RMDs).
• Estate planning for snowbirds.
• Healthcare costs in retirement.
• Social Security benefits.

Questions asked include:

• When is the right time to buy long-term care insurance?
• What are the common pitfalls people discover when they reach retirement?
• Can I take money out of my 401k without a 10% penalty at age 56?
• Is pension income considered earned income in order to contribute to an IRA?
• What are your thoughts about the 4% withdrawal rule of thumb for retirement distributions?

The post So You Think You’re Ready for Retirement appeared first on Wealth Enhancement Group.

The post Best Tax Strategies appeared first on Wealth Enhancement Group.

The post Planning Your Retirement appeared first on Wealth Enhancement Group.

The post Money and the People You Love appeared first on Wealth Enhancement Group.

The post The Power of Two in Financial Planning appeared first on Wealth Enhancement Group.

The post Caregiving and the People You Love appeared first on Wealth Enhancement Group.

The post Benefits of Working With a Financial Advisor appeared first on Wealth Enhancement Group.

The post Social Security Strategies appeared first on Wealth Enhancement Group.

The post 5 Questions to Ask Before Retooling Your Portfolio in 2014 appeared first on Wealth Enhancement Group.

The post Dispelling Traditional Financial Myths appeared first on Wealth Enhancement Group.

The post New Year’s Resolutions: Financial Fitness appeared first on Wealth Enhancement Group.

The post 5 Step Plan for Setting Reachable Goals for 2014 appeared first on Wealth Enhancement Group.

The post 7 Overlooked Retirement Tips appeared first on Wealth Enhancement Group.

The post Financial Fears That Cost Us appeared first on Wealth Enhancement Group.

The post Charitable Giving appeared first on Wealth Enhancement Group.

The post Holiday Budgeting appeared first on Wealth Enhancement Group.

The post Internet Security for Personal and Financial Websites appeared first on Wealth Enhancement Group.

The post Understanding Your Social Security Benefits appeared first on Wealth Enhancement Group.

The post Long-Term Care appeared first on Wealth Enhancement Group.

The post Premium Assistance Credit – Affordable Health Care Act appeared first on Wealth Enhancement Group.

The post Financial Planning Considerations for Your 20s, 30s, 40s and Beyond appeared first on Wealth Enhancement Group.

The post Year-End Tax Tips appeared first on Wealth Enhancement Group.

The post Charitable Remainder Annuity Trusts appeared first on Wealth Enhancement Group.

The post Buying or Leasing a Vehicle appeared first on Wealth Enhancement Group.

Key topics include:

• Slow and steady growth in the U.S.
• Choice of the next Fed chairmen and the direction of interest rates
• Volatility in energy markets
• Politics heating up regarding the budget

The post Economic Update – September 2013 appeared first on Wealth Enhancement Group.

The post Premium Assistance Credit – Affordable Care Act appeared first on Wealth Enhancement Group.

• How managing risk is an important part of a comprehensive financial plan.
• The importance of planning for the certainty of uncertainty.
• How it is not about the probability of a risk management need that is critical, it is the consequences to your family.
• How life insurance is used to protect against the consequences of premature death and estate planning.
• How disability insurance is used to protect against being sick and unable to work.
• How having a health care plan in retirement will protect families in the event of becoming frail and needing assistance.
• How hybrid products are becoming more popular.

The post The Importance of Insurance in Your Financial Plan appeared first on Wealth Enhancement Group.

The post 10 Things Your Financial Advisor Won’t Tell You appeared first on Wealth Enhancement Group.

The post Q&A Live from the MN State Fair appeared first on Wealth Enhancement Group.

The post College Planning appeared first on Wealth Enhancement Group.

The post Wealth Enhancement Group Roundtable (August 2013) appeared first on Wealth Enhancement Group.

The post Proper Asset Allocation and Rebalancing appeared first on Wealth Enhancement Group.

The post 7 Habits of Financially Unsuccessful People appeared first on Wealth Enhancement Group.

The post Life Insurance as an Investment Strategy appeared first on Wealth Enhancement Group.

*Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Government bonds and Treasury bills are guaranteed by the U.S. government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value. High yield/junk bonds (grade BB or below) are not investment grade securities, and are subject to higher interest rate, credit, and liquidity risks than those graded BBB and above. Stock investing involves risk including loss of principal.

The post Bonds appeared first on Wealth Enhancement Group.

The post Widow’s Penalty appeared first on Wealth Enhancement Group.

The post Economic Update Mid-2013 appeared first on Wealth Enhancement Group.

The post Registered Investment Advisor appeared first on Wealth Enhancement Group.

The post 5 Roadblocks to Financial Success appeared first on Wealth Enhancement Group.

The post Retirement Confidence appeared first on Wealth Enhancement Group.

The post Roth IRA Conversions appeared first on Wealth Enhancement Group.

The post Overuse of Pre-tax Retirement Plans appeared first on Wealth Enhancement Group.

The post The Unexpected Caregiver appeared first on Wealth Enhancement Group.

The post Women and Finance appeared first on Wealth Enhancement Group.

The post 5 Habits of the Wealthy appeared first on Wealth Enhancement Group.

The post 6 Investment Approaches You Need to Know Before You Retire appeared first on Wealth Enhancement Group.

The post Tips for Teaching Your Kids to Save at Any Age appeared first on Wealth Enhancement Group.

The post IRA Strategies appeared first on Wealth Enhancement Group.

The post Real Wealth appeared first on Wealth Enhancement Group.

The post Economic Update Q1 2013 appeared first on Wealth Enhancement Group.

The post Beneficiary Designations appeared first on Wealth Enhancement Group.

The post Last-Minute Tax Tips appeared first on Wealth Enhancement Group.

The post 5 Emotional States of Investing appeared first on Wealth Enhancement Group.

The post Dormant Retirement Plans appeared first on Wealth Enhancement Group.

The post Money and Marriage appeared first on Wealth Enhancement Group.

The post Wealth Enhancement Group Roundtable (February 2013) appeared first on Wealth Enhancement Group.

The post 2013 Economic Update appeared first on Wealth Enhancement Group.

The post Selling a Business: What You Should Know Ahead of Time appeared first on Wealth Enhancement Group.

The post Dispelling Financial Myths appeared first on Wealth Enhancement Group.

The post Life Planning vs Financial Planning appeared first on Wealth Enhancement Group.

The post Fiscal Cliff Tax Rules appeared first on Wealth Enhancement Group.