The Henderson Group | Blog
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Qualified charitable distributions (QCDs) Qualified charitable distributions (QCDs) are distributions made directly from an IRA to a qualified charity. Such distributions may be excluded from income and count toward satisfying any required minimum distributions (RMDs) you would otherwise have to receive from your IRA. Individuals age...

What is the AMT? The AMT is essentially a separate federal income tax system with its own tax rates, and its own set of rules governing the recognition and timing of income and expenses. If you're subject to the AMT, you have to calculate your taxes...

Taxes can take a big bite out of your total investment returns, so it's helpful to look for tax-advantaged strategies when building a portfolio. But keep in mind that investment decisions shouldn't be driven solely by tax considerations; other factors to consider include the potential...

The income tax benefits offered by 529 plans make these plans attractive to parents (and others) interested in saving for college. Qualified withdrawals from a 529 plan are tax free at the federal level, and some states also offer tax breaks to their residents. It's...

The main reason for premium increases is the growing cost of health care itself. Several factors are contributing to the rise in health-care costs: Increase in the average age of the population New medical technology High administrative costs More government regulation Oversupply of health-care facilities ...

If you're older and/or in poor health, you're definitely somebody who should have health insurance coverage. Unfortunately, you don't, and you're having difficulty getting it. All of the insurance companies you've applied to refuse to offer you coverage because they see you as too great...

The longer you live, the greater the chances you'll need some form of long-term care. If you're concerned about protecting your assets and maintaining your financial independence in your later years, long-term care insurance (LTCI) may be for you. Who needs it? Approximately 70 percent of Americans...

What health care benefits are available in retirement? Health care in retirement is available from many sources. Government programs (such as Medicaid and Medicare) offer numerous health care benefits. However, you may need to purchase supplemental health insurance or Medigap, as well. Most Americans are eligible...

Kathryn Flynn, savingforcollege.com If your child is heading to college next fall, it's time to start thinking about how you're going to pay for it. If he or she will be attending a four-year, in-state public university, you could be looking at total room and board...

By David Henderson, CFP How do you become an empowered health care consumer? A recent blog post on the Forbes magazine website, authored by financial planner/doctor/former Capstone Study Group colleague Carolyn McClanahan, suggests that the relationship between doctors and patients is entering a third phase of...