Ask Bud about….
Bonds Social Security Care Insurance retirement Taxes Investments Trust
Revocable Living Will Fixed Pension
H. K. Bud Hebeler is author of
J.K. Lasser’s Your Winning Retirement Plan, Getting
Started in a Financially Secure Retirement, and retirement articles on www.analyzenow.com. He is often quoted
in The Wall Street Journal and other financial publications. Email your
questions to b u d s m a i l @ a t t . n e t. (See note below.)
More frequently asked questions will be answered in this column. He and
those responsible for this publication disclaim any responsibility for any
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Click on the following links to get the answer to the
Dying man with wife and child needs more than investment advice.
Should we be saving municipal bonds now?
Will we benefit from special provisions of Social Security?
Q: How can
I find inexpensive professional advice and appropriate questions to ask?
Should I get long-term-care insurance?
I am the high wage earner in our family, and I’ve already started my Social
Security at age 62. Is there any way I can get more.
If I suspend my Social Security benefits at 66 to restart again later at a
higher value, will my spouse’s benefit be changed?
I know that my fixed pension payments will be hurt by future inflation. I can
afford to save a little of it for the future to help out, but I don’t know how
much? 10%, 30%, 50%???
I have money in three different accounts, all taxed differently: #1 Mutual
funds not in any retirement account, #2 Funds in my IRA, and #3 some money in a
Roth. Which should I draw first in retirement?
My wife does not want to handle investments after I die. She just wants to have
deposits to her banking account which she can count on. What do you recommend?
I have just received a windfall cash payment. How should I invest it?
your take on the pro and con of a will versus revocable living trust?
financial actions should Baby Boomers take now?
I change jobs?
Long-term-care insurance vs. alternatives.
planning tools does Bud use personally?
often should I rebalance my investments and recalculate my retirement budget?
Should we start Social Security early when we
have little savings?
Is there anything better
than the bucket plan in which you put your retirement resources into different
buckets representing different time spans?
Can I rely on any retirement planning
program? They often give quite different results
How should we invest in the current
Should I invest in
directly-owned real estate within a Roth IRA?
Is there a simple way to calculate how much I
can afford in retirement and not make a new calculation each year?
Should I retire now if
Social Security will be my major support?
Is there a benefit in
paying back all of my previous Social Security payments and starting again at a
higher payment level?
What are the pros and cons
of Long-Term-Care insurance?
How well do you think we
can project our investment
Is it a good idea to repay
Social Security and restart at an older age with higher payments?
Will means testing of
Social Security affect the best age to start payments?
convert and IRA (or 401(k)) to a Roth IRA?
Will there be a Value Added
Tax in the future?
When should we start Social
How should I invest now in
this current market?
Should we buy a vacation
What are the dangers if planning
to restart Social Security later?
How much cash I should have
in a retirement portfolio?
How do I account for
unrealized capital gains when planning?
Should we sell investments
when tax rates are still low but going to increase?
How much saving do I need
for $50,000 retirement income?
What's the difference
between reserves for unknowns and things that only have a chance of happening?
A financial reporter asks
what is the single most important thing to do for a financially secure retirement?
Should I pay off my remaining mortgage before
When to start social security
How to calculate social security breakeven
How to get a secure retirement
What is return on investment?
Choosing a lump sum instead of a pension
About spending less as you age
How do I maximize my
What's included in
"savings" in the depressing history of national savings rate?