Marcelo Perez

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So far Marcelo Perez has created 678 blog entries.

2018 Social Security and Medicare Changes

By |2018-01-18T10:32:34+00:00January 18th, 2018|Financial Planning|

Every new year brings changes and for 2018 the Federal Government has made changes to Social Security and Medicare. Surprise, surprise! Some retirees get a raise. Some workers will see more come out of their checks for future benefits. And most Medicare recipients will pay more for health care. First, the good news. For the [...]

The Healthcare Vampire

By |2018-01-18T10:38:04+00:00September 18th, 2017|Financial Planning|

Oh, for the old days when planning for retirement was simple and you knew what to expect, especially when it came to healthcare. There was Medicare. Add a good Medicare supplement to cover other costs and you were good to go. Those days are gone! For many retirees, healthcare has become Dracula and it’s sucking [...]


By |2018-01-18T10:39:41+00:00July 27th, 2017|Financial Planning, Taxes/Fiscal Policy|

Medicare. The name is as recognizable as Kleenex®, KFC®, and Coca Cola®. But if asked what Medicare is, most people can only tell you it’s government health insurance for older people.  If you’re going to do serious retirement planning you need to know more than that. If you don’t, you could miss sign up deadlines [...]

Secret Military Benefit

By |2017-07-26T16:19:42+00:00July 26th, 2017|Taxes/Fiscal Policy|

Buried in the dusty archives of the IRS code is a military secret. The benefit for some military families can be substantial – the ability to deposit up to $500,000 into a Roth IRA, all at one time. In 2008 the Federal Government passed the Heart Act (Heroes Earnings Assistance and Relief Tax Act). It [...]

Taxing Social Security

By |2018-01-18T10:40:15+00:00July 26th, 2017|Financial Planning, Taxes/Fiscal Policy|

Are my social security benefits taxable? That’s a frequent question when doing retirement planning. The simple answer is it depends on your income. But it wasn’t always that way. For almost 50 years, no one was taxed on Social Security benefits. Then, during a study of Social Security, a Senate Finance Committee Report said, “…by [...]

End of the Cycle

By |2017-06-19T12:57:07+00:00June 19th, 2017|Markets|

Author: Bob Williams It’s one of those crystal ball questions every investor wants to know. Are we at the end of this investment cycle? In true Wall Street style, I’ll give you a qualified… maybe. You never know when a bull market will end until it has. And anyone who says they’ve done it before [...]

Tax Deductions

By |2017-01-18T12:28:32+00:00January 18th, 2017|Markets|

Let the fussin’ and cussin’ begin.  You’re about to embark on the annual pilgrimage to income tax purgatory and will spend several weeks gathering proof of your deductions.  In that process, remember the words of a wise tax sage, “Loopholes aren’t illegal.  Anything in the IRS code is there to use.”  In other words, don’t [...]

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