Curtis Financial Planning

Cathy Curtis

CARES Act Review Part II: Retirement Account Provisions

There are several retirement account provisions in the CARES ACT meant to reduce your tax liability or help with current cash flow or both. Here are the details: 1. RMD-REQUIRED MINIMUM DISTRIBUTIONS You don’t have to take your RMD (Required Minimum Distribution) for 2020, whether it be from an IRA (regular, Simple, SEP), inherited IRA, 401(k) …

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The Coronavirus Aid, Relief and Economic Security Act: Stimulus Payments

The CARE Act signed into law on March 27, 2020, is a 2 trillion package of aid to individuals and businesses to ease financial distress due to COVID-19.  It’s an over eight hundred page bill, so there are lots of details. Over a series of blog posts, I’m going to describe the provisions that will …

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Thoughts on the Covid-19 Induced Stock Market Volatility

It’s hard not to think back to the financial crisis and resulting recession of 2007-2009 when watching the stock market volatility today. That was a painful period for many, especially those who were laid-off, small business owners, retirees, or those planning to retire soon. Actually, it was a pretty tough time for everyone for one …

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An Early Retiree Shares Her Story About Spending In The First Year of Retirement

Ann felt fortunate about being able to retire at 60 after working 10-hour days for many years. However, as the date approached last year, she felt apprehension about ending her salary income. She knew that a portion of her daily spending while working was mostly for convenience, but she never took the time to figure …

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How Women Can Close The Retirement Savings Gap

Much as been written about why women fall short compared to men in accumulating retirements savings: lower lifelong wages, more conservative investment strategies, in-and-out of the workplace for child-raising and eldercare, and fewer promotion opportunities, to name a few. Because of these disadvantages, women must focus on closing the savings gap so they can enjoy …

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10 Tips For Keeping Your Brain Young and Free Of Disease

I recently attended a conference focusing on retirement and longevity planning. One of the speakers, Dr. Marc Milstein, gave a talk focused on how we can keep our brains healthy and free of disease. It was fascinating, and I thought I’d share his insights on how we can impact our brain health: 1. Get a …

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Budgeting for Happiness with Spreadsheets On Spreadsheet Day

Nowadays, it seems there is a “day” for everything. And, today, October 17, is spreadsheet day. Spreadsheet day commemorates the day the first spreadsheet program, Visicalc, was released way back in 1979. Spreadsheets are a great tool because they help us to organize and categorize data into a logical format. Then, we can use them to analyze …

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Being Single, Wanting to Retire Early, and Medical Insurance Options

Recent surveys have indicated that a big worry for baby boomers is how they are going to handle healthcare costs in retirement. This concern is paramount for those who want to retire early. For singles who want to retire early, there is no spousal insurance fallback. Single people need to get insurance to bridge the …

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Late-Career Women and Burn-Out or When Can I Retire?

Does this sound like you? – 50-60 ish, – have been working for 30-40 years, – salaried employee, – your boss is a pain, – co-workers are all 20-30 years younger than you, – some days are better than others, – someone asks: when do you want to retire? and you say “tomorrow.” If you …

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