January 2017 RPS Home Page   |   Newsletter Home     
Unexpected Expenses
Nearly 40% of retirees found that their actual retirement expenses were higher than they expected when they first retired.
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Inheriting an IRA
IRS rules and regulations for inheriting retirement accounts are complex, and an uninformed decision could result in unexpected taxes and penalties. Understand the basic rules and distribution options for designated spouse and nonspouse beneficiaries, including special spousal options.
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Taxing Social Security Benefits
A recent study by the Social Security Administration projected that an average of 56% of households receiving Social Security benefits will owe federal income tax on some or all of their benefits during the period from 2015 to 2050.
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Junk or Gem? Understanding Bond Ratings
Bond ratings, a professional assessment of credit risk, are an essen­tial tool for fixed-income investors. Analyses and ratings are used by major credit-rating agencies to judge a bond’s financial condition and creditworthiness.
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This information 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 Broadridge Advisor Solutions. © 2017 Broadridge Investor Communication Solutions, Inc.

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