Financial Geriatrics | R. W. Rogé & Company

Financial Geriatrics

Important Figures for 2012

An integral part of our planning for clients is our continuous monitoring of new thresholds that affect retirement plan contributions, Social Security taxation and Medicare premiums. Listed below are the figures for 2012. There have been a few changes in pension plan contributions for the 2012 tax year due to cost of living adjustments (COLA)...
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Medicare Primer for the “New Boomers”

Medicare Primer for the “New Boomers”, by Rosanne Roge, CFP®, CSA®, RFGSM Well, the Baby Boomers are beginning to enter the Medicare program and the momentum will be building rapidly. This is the crowd born between 1946 and 1964. As of 2011, that would make us between 47 and 65 years old. Currently, there are...
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The Government Giveth and Taketh Away

The Government Giveth and Taketh Away The GOOD news is that Social Security recipients will be getting a Cost of Living Adjustment beginning in January, 2012.  The raise is expected to be about 3.6% which is a pretty sizeable increase.  This is great news since there have been no COLA adjustments for Social Security for...
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A Goal in Search of Leadership

Our elected leaders in Washington, D.C. are playing a dangerous game of chicken. They are making everyone nervous about the deadline (August 2, 2011) for extending the debt ceiling. While every expert on the subject, including Congress, knows that the only solution is to raise the debt ceiling, they are using this to score points...
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A Long-Term Care Primer: The Need and the LTCI Option

Rosanne Roge, CFP, RFG, CSA The baby boomer generation – defined by the Census Bureau as those born between 1946 and 1964 – is going to have a major impact on many aspects of the economy, but the most important will be health care. The oldest boomers are turning 65 this year. This cohort will...
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IRS Raises Deductibility Limits for Long Term Care Insurance

Even though there is no COLA for Social Security benefits in 2011, the IRS has raised the deductibility limits for long term care policies purchased in 2011. The premiums you pay for your long term care insurance are deductible as itemized medical expenses (subject to the 7.5% AGI threshold) based on your age at the...
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A Little Known Veterans Benefit…Aid-and-Attendance

As a former Lieutenant in the U.S. Army Reserves, there is a special place in my heart for our wartime veterans. After all, the reason I have the freedom to write this article and do everything else I want to do is because of the sacrifices they made during time of war. We have recently...
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Getting Organized

Tax time is over and after searching high and low for the documents your accountant requires to file your tax returns, you keep saying to yourself “next time I am going to be better organized”. Imagine how your loved ones would feel if during a time of crisis they needed to look for pertinent documents...
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Web Sites and Other Resources

I’m always looking for information that I can pass along to our readers that will help, inspire or provide some good advice. I found some great Web sites and other general information while reading my Senior Spirit Newsletter, published by the Society of Certified Senior Advisors®. For today’s active seniors, boarding a cruise ship is...
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