Entries by f2819644

Boosting 401(k) Performance – Independent Press – 06/02/10

    The Independent Press Money Matters – Skloff Financial Group Question of the Month – June 2, 2010 By Aaron Skloff, AIF, CFA, MBA Q: Can gaining help with my 401(k) really improve my performance and optimize my risk? A: Yes. In a recent study based on nearly 400,000 401(k) participants, the average participant […]

Long Term Care Insurance Hybrid Combination Life and Annuity Policies – The Independent Press – 05/05/10

    The Independent Press Money Matters – Skloff Financial Group Question of the Month – May 5, 2010 By Aaron Skloff, AIF, CFA, MBA Q: If I purchase a life insurance policy or annuity with built-in long-term care insurance benefits do I gain any tax benefits? What are the advantages and disadvantages of such […]

Long Term Care Insurance Return of Premium – Long Term Care University – 04/15/10

    Long Term Care University – Question of the Month – 04/15/10 Research By Aaron Skloff, AIF, CFA, MBA Q: What happens if I pay for long term care insurance for the rest of my life, pass away, and never use the benefits of my policy?  Will my heirs receive a fund of the […]

Long Term Care Insurance Survivorship Benefit – Long Term Care University – 03/15/10

    Long Term Care University – Question of the Month – 03/15/10 Research By Aaron Skloff, AIF, CFA, MBA Q: Some of the long term care insurance policies I am researching allow for a survivorship benefit.  Can you explain what that means and what advantages it may provide? The Problem – Paying Your Premium […]

Long Term Care Insurance Waiver of Premium – Long Term Care University – 02/15/10

    Long Term Care University – Question of the Month – 02/15/10 Research By Aaron Skloff, AIF, CFA, MBA Q: Some of the long term care insurance policies I am researching allow for a waiver of premium or joint waiver of premium benefit.  Can you explain what that means and what advantages it may […]

Roth IRA Recharacterization – Independent Press – 02/03/10

    The Independent Press Money Matters – Skloff Financial Group Question of the Month – February 3, 2010 By Aaron Skloff, AIF, CFA, MBA Q: After evaluating all the pros and cons, we finally decided to convert our Traditional IRAs to Roth IRAs.  Can we reverse the conversion and its tax implications if the […]

Long Term Care Insurance Monthly Home Care Maximum Benefit – Long Term Care University – 01/15/10

    Long Term Care University – Question of the Month – 01/15/10 Research By Aaron Skloff, AIF, CFA, MBA Q: Some of the long term care insurance policies I am researching allow for a monthly home care maximum benefit instead of a daily home care maximum benefit.  Can you explain what that means and […]

Intentionally Defective Grantor Trust (IDGT) – Independent Press – 12/02/09

    The Independent Press Money Matters – Skloff Financial Group Question of the Month – December 2, 2009 When is ‘defective’ OK? By Aaron Skloff, AIF, CFA, MBA Q: What is an Intentionally Defective Grantor Trust (IDGT) and if it is defective can it still be a powerful vehicle to reduce or eliminate our […]

Grantor Retained Annuity Trust (GRAT) – The Independent Press – 11/04/09

    The Independent Press Money Matters – Skloff Financial Group Question of the Month – November 4, 2009 By Aaron Skloff, AIF, CFA, MBA Q: What is a Grantor Retained Annuity Trust (GRAT) and is it a great vehicle to reduce or eliminate our estate taxes? Estates larger than $3.5 million pay federal estate […]

Long Term Care Insurance Pool of Money and Benefit Period – Long Term Care University – 10/15/09

    Long Term Care University – Question of the Month – 10/15/09 Research By Aaron Skloff, AIF, CFA, MBA Q: Many of the long term care insurance brochures reference to the Total Pool of Money.  Can you explain what that means and how it relates to a Daily or Monthly Benefit? Can a Total […]