Download or read book Retire Secure for Same Sex Couples written by James Lange and published by . This book was released on 2014-05-10 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: Live Gay, Retire Rich! There were two gay couples with identical financial resources. They each had the same amount of money, identical investments, identical taxes, and identical earnings history for social security purposes. The first couple didn't do any planning. The second gay couple followed the advice offered in "Retire Secure for Same Sex Couples." Doing reasonable projections, the first couple runs out of money in 28 years while the second couple has $1.4 million dollars and their portfolio continues to increase. What was the difference? The first couple never got married, started social security at 62, didn't make any Roth IRA conversions, and didn't use key IRA and retirement plan estate planning strategies. The second gay couple did get married, used our recommended apply and suspend technique for social security, did a series of Roth IRA conversions, and used key IRA and retirement plan estate planning strategies. Gay retirement, retirement, retirement planning, same sex marriage, retirement age, social security, gay marriage, lgbt retirement, gay financial planning, lesbian retirement, assets under management, Roth IRA, Roth IRA Conversions, IRA, 401k, 403b, gay money, investing, investments, finances, tax planning, taxes, money management, gay personal finance
Download or read book Retire Secure for Same Sex Couples written by Evan Wolfson and published by . This book was released on 2014-05-10 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Live Gay, Retire Rich! There were two gay couples with identical financial resources. They each had the same amount of money, identical investments, identical taxes, and identical earnings history for social security purposes.The first couple didn't do any planning. The second gay couple followed the advice offered in Retire Secure for Same Sex Couples. Doing reasonable projections, the first couple runs out of money in 28 years while the second couple has $1.4 million dollars and their portfolio continues to increase.What was the difference? The first couple never got married, started social security at 62, didn't make any Roth IRA conversions, and didn't use key IRA and retirement plan estate planning strategies.The second gay couple did get married, used our recommended apply and suspend technique for social security, did a series of Roth IRA conversions, and used key IRA and retirement plan estate planning strategies.
Download or read book Live Gay Retire Rich written by James Lange and published by . This book was released on 2015-07-15 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Live Gay, Retire Rich lays out the best retirement and estate planning advice for same sex couples and teaches them how to make the most out of their retirement savings.
Download or read book 4 Steps to Financial Security for Lesbian and Gay Couples written by Harold L. Lustig and published by Ballantine Books. This book was released on 2010-12-08 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: THE FIRST FINANCIAL GUIDE TAILORED EXCLUSIVELY TO LESBIAN AND GAY COUPLES ON HOW TO PROTECT THEIR ASSETS WHEN LAWS FAIL Lesbian and gay couples can achieve solid, long-term financial security—but they need to arm themselves with foresight, awareness, and facts. That's what this book is all about. Now, drawing on more than twenty years' experience as a financial adviser to lesbian and gay couples, Harold L. Lustig has written the definitive financial guide for you and your partner. Through Lustig's four easy-to-follow steps to economic security—PLAN, PLAN, PLAN; PROTECT WHAT'S YOURS; THINK COMMUNITY; USE NON-CONVENTIONAL WISDOM AND TAKE ACTION—this invaluable book gives you workable financial strategies and up-to-date information on - Estate planning—why it's especially vital for you and your loved one - Tax advantages available to you—and not to legally recognized couples - Reducing your tax load through charitable contributions and shifting assets - Avoiding the "gay penalty" on long-term health care and retirement plans - Tips for funding a college education—without dropping into the red - Reentering the job market when you are HIV positive - Buying and fine-tuning disability insurance - The facts about joint ownership And much more! Despite unfavorable laws, you can protect your assets, provide for retirement, avoid discriminatory penalties, get out of debt, and ensure that you and your partner enjoy and share what you've earned together. This clear, smart, practical guide provides the essential financial information that every lesbian and gay couple needs and deserves.
Download or read book Enhancing Women s Retirement Security written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2012 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Estate Planning for Same sex Couples written by Joan M. Burda and published by American Bar Association. This book was released on 2004 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: The legal landscape concerning same-sex relationships is changing. It is vital for lawyers to stay on top of these changes. Attorneys who represent lesbian and gay clients must provide creative estate planning that protects both parties to the relationship, their children and their future. This new book provides estate planning lawyers with an introduction to the issues faced by lesbian and gay clients. Also provided are forms and documents on CD-ROM that lesbian and gay clients need to prepare as part of a complete estate plan.
Download or read book Your Complete Guide to a Successful and Secure Retirement written by Larry E. Swedroe and published by Harriman House Limited. This book was released on 2021-02-23 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fully revised and updated second edition. This is your one-stop, definitive resource as you prepare for a secure and comfortable retirement. Investment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including: Social Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more. These topics are explained with the help of specialists in each subject. And everything is based on the "science of investing" – evidenced with studies from peer-reviewed journals. Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don't enter your retirement without it.
Download or read book Corporate Retirement Security written by Robert W. Kolb and published by John Wiley & Sons. This book was released on 2009-02-04 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume collects the contributions of a number of diverse anddistinguished scholars to reflect upon the topic of corporateretirement security in the United States. Contributes to the public policy debate concerning the securingof sufficient retirement funds Reflects the present discussions and disagreements about themost fundamental aspects of the employment relationship Organized into three sections, this volume focuses on ethicalissues in pension plan structure, pension plan changes, andinvesting in pension plan funds Includes a thorough and orienting introduction to thesubject
Download or read book The Impact of Inequality for Same sex Partners in Employer sponsored Retirement Plans written by Naomi G. Goldberg and published by . This book was released on 2009 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides statistical information about retirement benefit access to same-sex couples in the United States.
Download or read book Guide to Early Retirement written by Incomes Data Services and published by . This book was released on 1981 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Guide to early retirement practice in the UK, with particular reference to related pension scheme and old age benefits - notes labour costs, examines redundancy, employee's Motivation and disability reasons for retiring early, and outlines characteristics of the job release scheme, phased retirement and flexible retirement age plans for aiding the transition from work. References.
Download or read book Same Sex Couples and Sustainable Retirement Withdrawal Rates written by John B. Mitchell and published by . This book was released on 2015 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper compares sustainable retirement withdrawal rates for same-sex versus heterosexual couples. Due to convergence of expected longevity for males and females at typical retirement ages, systematic differences between same-sex versus heterosexual couples are slight, ranging from .03% at age 50 to less than .4% at age 85. Therefore, same-sex couples can employ conventional withdrawal rate recommendations with, at most, slight modification. Due to a lack of public data regarding mortality differences based on sexual orientation, differences in mortality expectations between individual members of same-sex and heterosexual couples cannot be explored. Members of same-sex couples, like all retirees, should adjust withdrawal rate expectations periodically to reflect individual conditions.
Download or read book Are We persons Yet written by Kathleen A. Lahey and published by University of Toronto Press. This book was released on 1999-01-01 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 1929 women were declared 'persons' under the British North America Act. Seventy years later a similar move is afoot to establish constitutional personhood for lesbian, gay, bisexual, transsexual, and transgendered people.
Download or read book Limiting Federal Court Jurisdiction to Protect Marriage for the States written by United States. Congress. House. Committee on the Judiciary. Subcommittee on the Constitution and published by . This book was released on 2004 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retire Secure written by James Lange and published by . This book was released on 2015-10 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the new edition of Retire Secure! CPA and attorney James Lange supplements his proven methods for making the most of your retirement plans with updated information, analysis and examples as well as offers recommendations for new tax-saving strategies for retirees and older Americans. Always a strong proponent of contributing as much as you can to all the tax-deferred retirement plans available to you, Jim makes a convincing case for adding a slight modification to his pay taxes later adage - pay taxes later, except for the Roth. On the accumulation side of the equation, when individuals are working to save money for retirement, he delves into great detail on the differences between traditional and Roth retirement plan options. Retire Secure! delivers the most sophisticated financial and legal advice in the most accessible of manners. Jim makes it possible for the reader to gain a unique understanding of these stages and plan for them.
Download or read book Lesbian Gay Bisexual and Transgender Aging written by Douglas C. Kimmel and published by Columbia University Press. This book was released on 2006 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume fills a unique gap. Gerontologists seldom focus on special concerns of gay and lesbian older adults, lesbian, gay, bisexual, and transgender aging organizations rarely address issues of aging, and the mental health field has demonstrated an ability to marginalize both aging and homosexuality. This book lays out the state of knowledge with respect to lesbian, gay, bisexual, and transgender aging—physical health, sexuality, family ties, victimization, and legal and financial concerns. The references at the end of individual chapters and the bibliographical material at the end of the book provide an invaluable resource. For any gerontologist intrigued by the interplay of historical changes and individual aging, it is difficult to imagine a more powerful example than Lesbian, Gay, Bisexual, and Transgender Aging. Evolution of attitudes toward homosexuality, the emergence of HIV/AIDS, and legal protections beginning to be afforded to same-sex relationships are all part of the changing world that has shaped and been shaped by lesbian, gay, bisexual, and transgender individuals who are now old.
Download or read book Fragmented Citizens written by Stephen M. Engel and published by NYU Press. This book was released on 2019-06-01 with total page 427 pages. Available in PDF, EPUB and Kindle. Book excerpt: A sweeping historical and political account of how our present-day policy debates around citizenship and equality came to be. The landmark Supreme Court decision in June 2015 legalizing the right to same-sex marriage marked a major victory in gay and lesbian rights in the United States. Once subject to a patchwork of laws granting legal status to same-sex couples in some states and not others, gay and lesbian Americans now enjoy full legal status for their marriages wherever they travel or reside in the country. For many, the Supreme Court’s ruling means that gay and lesbian citizens are one step closer to full equality with the rest of America. In Fragmented Citizens, Stephen M. Engel contends that the present moment in gay and lesbian rights in America is indeed one of considerable advancement and change—but that there is still much to be done in shaping American institutions to recognize gays and lesbians as full citizens. With impressive scope and fascinating examples, Engel traces the relationship between gay and lesbian individuals and the government from the late nineteenth century through the present. Engel shows that gays and lesbians are more accurately described as fragmented citizens. Despite the marriage ruling, Engel argues that LGBT Americans still do not have full legal protections against workplace, housing, family, and other kinds of discrimination. There remains a continuing struggle of the state to control the sexuality of gay and lesbian citizens—they continue to be fragmented citizens. Engel argues that understanding the development of the idea of gay and lesbian individuals as ‘less-than-whole’ citizens can help us make sense of the government’s continued resistance to full equality despite massive changes in public opinion. Furthermore, he argues that it was the state’s ability to identify and control gay and lesbian citizens that allowed it to develop strong administrative capacities to manage all of its citizens in matters of immigration, labor relations, and even national security. The struggle for gay and lesbian rights, then, affected not only the lives of those seeking equality but also the very nature of American governance itself. Fragmented Citizens is a sweeping historical and political account of how our present-day policy debates around citizenship and equality came to be.
Download or read book The Effect of State legalized Same sex Marriage on Social Security Benefits Pensions and Individual Retirement Accounts IRAs written by John J. Topoleski and published by . This book was released on 2011 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report provides an overview of how the ban on recognition of same-sex marriage by the federal government potentially affects retirement income security of these couples.
