Author archives: Mike Miller

How Bunching Might Save You Bunches

Charitable Giving, Taxes

How Bunching Might Save You Bunches

by on July 10, 2018

When is the best time to start your income tax planning for 2018? Oh, about 5 months ago! Okay, you get the point! Most of us don’t really enjoy tax planning and certainly not the dreaded completion of the tax forms by April 15 each year. Take heart, there is...
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How Bunching Might Save You Bunches

by on July 10, 2018

When is the best time to start your income tax planning for 2018? Oh, about 5 months ago! Okay, you get the point! Most of us don’t really enjoy tax planning and certainly not the dreaded completion of the tax forms by April 15 each year. Take heart, there is...
Continue Reading »


How Bunching Might Save You Bunches
Principal Preservation Myth Exposed!

Behavioral Finance, Diversification

Principal Preservation Myth Exposed!

by on April 16, 2018

A widow in her late 60s came to me last year to talk about tax planning. She really liked our financial planning services, especially the tax planning piece. She had quite a few individual stocks and wanted to be sure she was tax-smart as she moved toward a more diversified...
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Principal Preservation Myth Exposed!

by on April 16, 2018

A widow in her late 60s came to me last year to talk about tax planning. She really liked our financial planning services, especially the tax planning piece. She had quite a few individual stocks and wanted to be sure she was tax-smart as she moved toward a more diversified...
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Principal Preservation Myth Exposed!
Market Downturn Surprise

Behavioral Finance, Investments

Market Downturn Surprise

by on Feb. 9, 2018

Surprised at the recent “correction” in the stock market—really?  Within the space of two trading days, the S&P 500 Index declined 6.13%!  I jokingly tell folks who have seen my news segments on WYFF4 that when they see me on TV, that probably means that something bad is happening.  Rarely...
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Market Downturn Surprise

by on Feb. 9, 2018

Surprised at the recent “correction” in the stock market—really?  Within the space of two trading days, the S&P 500 Index declined 6.13%!  I jokingly tell folks who have seen my news segments on WYFF4 that when they see me on TV, that probably means that something bad is happening.  Rarely...
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Market Downturn Surprise
Don’t Make This CRITICAL Mistake When Inheriting an IRA!

Estate Planning, IRA

Don’t Make This CRITICAL Mistake When Inheriting an IRA!

by on July 3, 2017

It seems innocent enough—Joe dies with an Individual Retirement Account. Joe named his wife, Sally, as the beneficiary—so far so good. Sally is overwhelmed with not only grieving over her lost spouse, but also all of the trauma and details that follow someone’s death. There’s the planning for the funeral;...
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Don’t Make This CRITICAL Mistake When Inheriting an IRA!

by on July 3, 2017

It seems innocent enough—Joe dies with an Individual Retirement Account. Joe named his wife, Sally, as the beneficiary—so far so good. Sally is overwhelmed with not only grieving over her lost spouse, but also all of the trauma and details that follow someone’s death. There’s the planning for the funeral;...
Continue Reading »


Don’t Make This CRITICAL Mistake When Inheriting an IRA!
Have You Unknowingly Disinherited Your Grandchildren?

401(k), Estate Planning, Beneficiary Designations, IRA

Have You Unknowingly Disinherited Your Grandchildren?

by on Feb. 22, 2017

The NY Post published an article a number of years ago that was a stark reminder of the importance of checking your beneficiary designations.  “A Brooklyn man says he was left destitute when his late wife’s pension, worth nearly $1 million, was awarded to his sister-in-law on a technicality…The Friedmans...
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Have You Unknowingly Disinherited Your Grandchildren?

by on Feb. 22, 2017

The NY Post published an article a number of years ago that was a stark reminder of the importance of checking your beneficiary designations.  “A Brooklyn man says he was left destitute when his late wife’s pension, worth nearly $1 million, was awarded to his sister-in-law on a technicality…The Friedmans...
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Have You Unknowingly Disinherited Your Grandchildren?
Can Your Spouse Handle The Money When You're Dead?

Estate Planning

Can Your Spouse Handle The Money When You're Dead?

by on June 15, 2016

Do you think you can manage your money from the grave? What will your spouse do with your money when you’re gone? In the financial workshops I teach, I tell the story of a man who lived his life VERY frugally—some would say he was just plain stingy! One day...
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Can Your Spouse Handle The Money When You're Dead?

by on June 15, 2016

Do you think you can manage your money from the grave? What will your spouse do with your money when you’re gone? In the financial workshops I teach, I tell the story of a man who lived his life VERY frugally—some would say he was just plain stingy! One day...
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Can Your Spouse Handle The Money When You're Dead?
How to Conquer the "Phantom Risk"

How to Conquer the "Phantom Risk"

by on June 1, 2016

When you think of investment risk, what comes to your mind first? Many people think, “I could lose all of my money!” If you’re invested in something like a diversified stock mutual fund, the chance of losing all of your money is very unlikely. However, there is definitely a risk...
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How to Conquer the "Phantom Risk"

by on June 1, 2016

When you think of investment risk, what comes to your mind first? Many people think, “I could lose all of my money!” If you’re invested in something like a diversified stock mutual fund, the chance of losing all of your money is very unlikely. However, there is definitely a risk...
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How to Conquer the "Phantom Risk"
The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

Comprehensive Financial Planning, Retirement

The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

by on May 25, 2016

I met with a prospective client recently who shared her story with me. Her husband has a rare combination of illnesses, including early onset Alzheimer’s. They have two daughters, one lives in a house they built for her after her divorce. She works several jobs and does the best she...
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The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

by on May 25, 2016

I met with a prospective client recently who shared her story with me. Her husband has a rare combination of illnesses, including early onset Alzheimer’s. They have two daughters, one lives in a house they built for her after her divorce. She works several jobs and does the best she...
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The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!
How to Make the Most of IRA Charitable Rollovers

IRA

How to Make the Most of IRA Charitable Rollovers

by on May 24, 2016

At the end of 2015, Congress (as part of the PATH Act) finally provided some relief to the IRA Charitable Rollover (more popularly known as the Qualified Charitable Distribution [QCD]) uncertainty and made the QCD permanent! What exactly is a QCD, and how will it benefit me? If you are...
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How to Make the Most of IRA Charitable Rollovers

by on May 24, 2016

At the end of 2015, Congress (as part of the PATH Act) finally provided some relief to the IRA Charitable Rollover (more popularly known as the Qualified Charitable Distribution [QCD]) uncertainty and made the QCD permanent! What exactly is a QCD, and how will it benefit me? If you are...
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How to Make the Most of IRA Charitable Rollovers
The Importance of Having a Will

Comprehensive Financial Planning

The Importance of Having a Will

by on May 18, 2016

It’s not uncommon for me to have people at church ask me financial questions, and I really don’t mind! I don’t like to do business on Sunday–especially at church–but if I can help someone be a better steward, it is time well spent. One Sunday, a single mom with three...
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The Importance of Having a Will

by on May 18, 2016

It’s not uncommon for me to have people at church ask me financial questions, and I really don’t mind! I don’t like to do business on Sunday–especially at church–but if I can help someone be a better steward, it is time well spent. One Sunday, a single mom with three...
Continue Reading »


The Importance of Having a Will
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