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Robert D. Cavanaugh, CLU

Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran. The Estate Preservation Advisor provides financial planning information to seniors and those approaching retirement.


Articles by this Author

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If you retire early and roll your 401(k) into an IRA, what is the best way to take out income to live on? What are the rules? What are the penalties for taking money out before the magic age of 59 1/2? What are the exceptions? What are the work-arounds?

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Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out.

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Will you be selling your home soon? How much of the gain can you exclude from tax? Do you know the current rules? Do you know the exceptions? Did your spouse die, are you divorced, remarried or in the Armed Forces? All these circumstances require special planning.

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If you are over 70 1/2, have an IRA and are charitably inclined, a new law allows you to make a substantial gift from your IRA tax-free. However, there is a narrow window of opportunity.

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Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed.

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Do you have your own business? Do you have a 401(k) at work and have self-employment income on the side? If so, the SEP IRA may be one alternative to building a bigger retirement nest egg.

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Survivorship life insurance can pay estate taxes, offset income taxes on inherited qualified plans, and replace assets. When putting your estate plan together, do not overlook this valuable planning tool.

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If you are contemplating buying life insurance to pay estimated future estate taxes, you will probably want to use an Irrevocable Life Insurance Trust. Heres why

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Have you blindly named your spouse as the beneficiary of your IRA? Is this your best choice? Depending on your situation and objectives, other beneficiary elections may be better. Here are three options you may not have considered.

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Many people buy annuities blind. Others avoid them due to a misunderstanding. Here is a simple primer on deferred annuities which will make you a smarter consumer.

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