Curtis (Curt) Sheldon, EA

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Annuities 101: What Are They?

With the stock market “crash” of 2008, annuities have gained a lot of attention in the last few years. But what is an annuity? First of all, annuities are a life insurance product. Second of all, annuities are complicated and difficult to understand. Let me see if I can help clear up...
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The Goldman Sachs Letter and You

The letter from a resigning Goldman Sachs executive has become quite the Internet rage. Most of us will never deal with Goldman Sachs and the letter may seem to be nothing more than an interesting “rant”. But, is that necessarily true? Maybe not. The letter spends a fair bit of time...
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Should You Take Advantage of the TSP’s G Fund?

Are you invested in the Thrift Savings Plan (TSP)? If so, did you realize that you have access to an investment vehicle that others can’t access? You do. The humble G Fund is unique and it is only available to those who invest through TSP. Let me explain… The Treasury Department issues...
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The 9th Wonder of the World

I’ve been told that Albert Einstein stated that compound interest was the 8th wonder of the world. My 6th-grade teacher, Mr. Rast, helped demonstrate that to me more than a few years ago. He asked me if I would prefer $100,000 or one penny doubled every day for a month....
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3 Tips to Improve Your Estate Plan

I recently attended a day of continuing education conducted by the National Association of Personal Financial Advisers or NAPFA. About one-half of the day was dedicated to the review of an actual estate settlement and several examples of what is called “Post-Mortem Planning”. To be honest, the scenario probably doesn’t apply...
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SBP Payments Don’t Go On Forever

Military Family recently received a question from a reader about the Survivor Benefit Plan (SBP). The question involved the duration of SBP payments. The reader wanted to know how long her husband, an Air Force Retiree, would pay SBP premiums. Her husband is 78 years old and retired from the...
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Military Tax Break: Roll-over of SGLI and Death Gratuity to Roth IRA

Nobody likes to think about, or for that matter talk about, their own mortality. But, if something were to happen to you, you certainly would want your spouse to know about special tax benefits available to beneficiaries of Servicemembers Group Life Insurance (SGLI) and the military Death Gratuity. Also, if...
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It’s the Most Wonderful Time of the Year…

Now that Thanksgiving is behind us, you can start thinking about the upcoming season…Tax Season that is. I know, I know this is REALLY the Holiday Season, but you can also do a few things to reduce your taxes this year if you take the time now. Here are 3...
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SGLI Is NOT Your Only “Life Insurance”

If you are on active duty, there is no doubt you are aware of your benefits under the Servicemembers Group Life Insurance (SGLI) program. SGLI is a great insurance product and an excellent benefit available to all servicemembers that pay for it. But, the government also provides insurance protection for those...
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15 Minutes Could Save You…

Turn on the TV for just a few minutes and someone will confidently tell you that they can “Save You a Bunch” on your Auto Insurance. And, while that may be true, you can also save yourself “a Bunch” on your Auto Insurance. There are four things you can do...
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