March 2016 RPS Home Page   |   Newsletter Home     
Senior Spending
Americans 65 and older spent an average of $43,635 in 2014. Here's how they spent across eight categories.
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Changes to Social Security Claiming Strategies
New rules included in the Bipartisan Budget Act of 2015 could affect your retirement planning.
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Time for Munis?
Detroit’s bankruptcy and Puerto Rico’s debt crisis cast municipal bonds in a negative light for some investors, but also led some bond issuers to raise interest rates to attract investors. This article provides an overview of municipal bonds and why their tax-free income can be especially beneficial for investors in higher tax brackets.
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Community Property Laws: Yours, Mine, and Ours
The question of asset ownership can be contentious in the event of a divorce, but even in the happiest marriage it may be helpful to understand the laws regarding ownership of property obtained before and during the marriage.
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The information contained in this newsletter is not intended as tax or legal advice, and it may not be relied on for the purpose of
avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor.
The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed
constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald.
Copyright 2016 Emerald Connect, LLC

THE RETIREMENT PLANNING SPECIALISTS, LLC is a Registered Investment Advisory firm specializing in retirement planning and investment management for individuals committed to a secure financial future. Our objective is to help our clients make educated and informed decisions in order to reduce taxes, increase income, and secure their financial future. If we can be of assistance to you or someone you know, please contact us at the address and phone number below:
The Retirement Planning Specialists, LLC
5460 S. Quebec Street, Suite 333 • Greenwood Village, Colorado 80111 • (303) 771-3088 • (888) 771-5406
www.RPSpecialists.com