Podcasts by SML Planning Minute
SML Planning Minute shares concise and entertaining financial ideas, for individuals, families, and business owners.
Further podcasts by Security Mutual Life Advanced Markets Team
Podcast on the topic Geldanlage
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Tax-Efficient Investments and Family Protection Go Hand-in-Hand Part 2 from 2022-02-01T12:00:43
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Tax-Efficient Investments and Family Protection Go Hand-in-Hand Part 1 from 2022-01-25T12:00:34
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Changes to Key Estate Tax Planning Numbers in 2022 from 2022-01-18T12:00:36
The inability of Congress to reduce by half the $11.7 million estate and gift tax exemption amount in 2021, leaves us with an even higher exemption amount for 2022.
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You’ve Been Named the Executor or Administrator of a Last Will and Testament – Now What? from 2022-01-11T12:00:17
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Social Security COLAs: Less than Advertised? from 2022-01-04T12:00:02
Not as good as advertised. The recent 5.9% Social Security COLA isn’t as good as it seems.
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Changes to Your RMDs in 2022 from 2021-12-21T12:00:48
New IRS tables will impact required minimum distributions beginning in 2022.
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The Four Percent Rule Revisited from 2021-12-14T12:00:32
The 4% Rule has been one of the standard models of retirement planning since the 1990s. The rule, however, has come under attack of late. A recent report by Morningstar indicates that the real numb...
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Three Social Security ‘Do Over’ Options from 2021-12-07T12:00:01
Deciding on when to collect Social Security is a complicated process. But it comes with surprising flexibility. And people are surprised to learn of the three “do over” options that Social Security...
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Thirteen Celebrity Estate Planning Lessons from 2021-11-30T12:00:12
The rich and famous are prone to estate planning mistakes. Today we look at some real world examples, and the lessons we can all learn from all of them.
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Guaranteed Lifetime Retirement Income From Your IRA from 2021-11-23T12:00:28
Purchasing an annuity in your Traditional IRA will guarantee that you never outlive your retirement savings and provide you with a secure, stable and stress-free retirement.
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Is the Social Security Administration Running a Scam? from 2021-11-16T12:00:35
Is the Social Security Administration running a scam? One prominent retirement expert thinks so.
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Business Owners, High-Income and High-Net-Worth Individuals Beware from 2021-11-09T12:00:27
The IRS is expected to expand its efforts to discover tax evasion through increased information reporting, updated technology and increased examinations. Most of the focus will be on high-income in...
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COLI and Why It Might be Appropriate for Your Business from 2021-11-02T11:00:55
COLI is an effective tool to invest company cash in a tax-deferred growth vehicle with a death benefit component to fund a variety of business-planning needs and strengthen the company’s financial ...
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Recruiting and Retaining Great Employees with Retirement Benefits from 2021-10-26T11:00:06
A retirement savings plan is one of the most important benefits you can provide your employees. But with so many different plans to choose from, how do you determine the right plan for your business?
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Complete Your Retirement Savings Strategy With Life Insurance and Annuities from 2021-10-19T11:00:01
An independent study concludes that the best retirement savings strategy includes permanent life insurance, such as whole life, and deferred income annuities with increasing income potential.
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Retention of Top-Performing Employees With Loan Split Dollar from 2021-10-12T11:00:45
Employee retention is one of the biggest concerns for business owners. Loan Split Dollar is a very popular strategy to retain high-performing skilled employees with a unique benefit, particularly i...
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Build Back Better Tax Proposals – Part 3: Retirement Plans & Corporate Taxes from 2021-10-05T11:00:04
The House recently released its tax proposals to fund the $3.5 trillion Build Back Better Act. Many provisions will impact high-income, high-net-worth individuals and small-business owners. We have...
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Build Back Better Tax Proposals – Part 2: Estate & Gift Taxes from 2021-09-28T11:00:22
The House recently released its tax proposals to fund the $3.5 trillion Build Back Better Act. Many provisions will impact high-income, high-net-worth individuals and small-business owners. We have...
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Build Back Better Tax Proposals – Part 1: Income Taxes from 2021-09-20T19:33:01
The House recently released its tax proposals to fund the $3.5 trillion Build Back Better Act. Many provisions will impact high-income, high-net-worth individuals and small-business owners. We have...
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Getting Life Insurance Is Easier Than It Used to Be from 2021-09-14T11:00:25
September is a great time to be thinking about life insurance, and today we celebrate the fact that getting life insurance is much quicker and easier than it was even just a few years ago.
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The Life Insurance Wealth Gap from 2021-09-03T19:22:58
America’s wealth gap has gotten a lot of attention lately, but did you know that it is even more pronounced when you factor in life insurance?
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Do You Really Know How Much Your Business is Worth? Why You Need a Business Valuation. from 2021-08-31T11:00:11
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The IRS Announces “Dirty Dozen” Tax Scams for 2021 from 2021-08-17T11:00:54
The IRS recently announced its annual "Dirty Dozen" tax scams for 2021, this time with special emphasis on pandemic-related tricks.
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The IRS Is Striving to Be More Taxpayer Friendly from 2021-08-10T11:00:43
Did you know that the IRS has initiated several service improvements in recent years, all in an effort to be more taxpayer friendly?
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You Filed Your Income Tax Return – Now What? from 2021-08-03T11:00:24
Have you ever wondered what happens to your Income Tax Return after you’ve filed it? Understanding the process can speed up your refund.
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Life Insurance for Lifetime Needs and Estate Tax Liquidity Using a SLAT from 2021-07-27T11:00:21
SLATs are one of the most popular estate-planning strategies to create liquidity to pay Estate Taxes through the use of Life Insurance, while still maintaining indirect access to the cash values du...
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IRS and Social Security Phone Scams from 2021-07-20T11:00:05
We urge you to always be cautious and not provide sensitive information such as your Social Security number or bank account information to unknown individuals over the phone or internet. Never reve...
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The Two Ironies of Retirement Planning from 2021-07-13T11:00:40
There are perhaps two great paradoxes about retirement that people don’t often recognize. The first is that in retirement, people live on income, not principal. The second is that for many people, ...
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Tax-Free Real Estate Exchanges from 2021-07-06T11:00:12
Tax-free real estate exchanges have long been a favored technique used to defer capital gains taxes. How do they work, and are they still viable with tax changes coming?
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Hidden Fees are Harming 401(k) Savings from 2021-06-29T11:00:22
Hidden fees can have a serious long-term negative impact on a 401(k). And the problem is worse than most people realize.
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The Micro(k)®: A “Next Level” Retirement Plan from 2021-06-15T11:00:49
For businesses that employ only owners and their spouses, the Pension Protection Act of 2006 extended an unparalleled opportunity to save significant sums in a tax-favored retirement plan. Conventi...
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How an HSA Can Help You Save for Retirement from 2021-06-08T11:00:27
A Health Savings Account may be an excellent way to help supplement your retirement savings as long as you are enrolled in a high-deductible health insurance plan.
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Conscientious Objectors to Social Security from 2021-06-01T11:00:39
The term conscientious objector can be applied to more than just military service. In fact, certain members of the clergy can object to, and thus opt out of Social Security.
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10 Common Mistakes Made with Life Insurance Beneficiary Designations, Part 2 from 2021-05-25T11:00:53
Mistakes are commonly made on life insurance policy beneficiary designations. Life events also necessitate changes, which is why regular reviews are important. Here are 5 more of the most common mi...
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10 Common Mistakes Made with Life Insurance Beneficiary Designations, Part 1 from 2021-05-18T11:00:06
Mistakes are commonly made on life insurance policy beneficiary designations. Life events also necessitate changes, which is why regular reviews are important. Here are 5 of the 10 most common mist...
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Holographic Wills and the Case of Larry King from 2021-05-11T11:00:31
Do you know what a Holographic Will is? Here’s a hint: Larry King used one. But that doesn’t mean you should.
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Don’t Forget About State Estate Taxes (Particularly in New York) from 2021-05-04T11:00:01
You may not be wealthy enough to be subject to federal estate taxes upon your death, but your state may have other ideas.
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Estate Tax Liquidity, Wealth Replacement and ILITs from 2021-04-27T11:00:47
Business owners and high-net-worth individuals subject to federal or state estate and inheritance taxes should look into life insurance in an irrevocable life insurance trust for estate tax liquidi...
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Medicare Changes in 2021 from 2021-04-20T11:00:06
The Biden administration is just getting warmed up when it comes to Medicare. What are they planning?
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Don’t Be Like These Famous People—Get Your Will Done from 2021-04-13T11:00:43
Estate planning is the process of protecting your wealth and transferring a legacy to your heirs in the manner you wish. Even the rich and famous fail to plan, resulting in disaster. Everyone needs...
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New York Residents Should Review Their Estate Plans – New York Changes Law Governing Powers of Attorney from 2021-04-06T11:00:39
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Part 2 – COVID Relief Update: The American Rescue Plan Act of 2021 from 2021-03-23T11:00:30
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Business Owners: Beware of an Involuntary Partial Plan Termination Due to COVID-19 from 2021-03-09T12:00:28
2020 was undoubtedly a very difficult year for many small-business owners struggling to keep their businesses afloat while their businesses were forced to close or limit operations as a result of g...
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Estate Tax Planning Strategies in a Low Interest Rate Environment Part 2 from 2021-03-02T12:00:29
The continuing low interest rate environment makes certain estate tax planning strategies—such as GRATs, CLATs, IDGTs and intra-family loans—more efficient for wealthy individuals and families to c...
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Life Insurance to Insure Your Love from 2021-02-23T12:00:56
When it comes to life insurance, for most families the primary motivation for purchasing the insurance is simply because of love.
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Estate Tax Planning Strategies in a Low Interest Rate Environment Part 1 from 2021-02-16T12:00:24
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Have You Protected Your Hard-Earned Wealth with an Estate Plan? from 2021-02-09T12:00:12
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Don’t Forget Facebook, iCloud, Gmail, LinkedIn and Your Other Digital Assets in Your Planning from 2021-02-02T12:00:31
Most, if not all of us, own several forms of digital assets in the form of online accounts. These assets must be included in your estate plan. Failure to do so may result in the loss of financial v...
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Why Should 401(k) Plan Sponsors Start Tracking Part-Time Employees’ Hours from 2021-01-26T12:00:42
Did you know that as of January 1, many employers are required to track the hours of their part-time employees? Find out why here.
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Social Security and the Typical (and atypical) Married Couple from 2021-01-19T12:00:56
For a married couple to get the most out of Social Security, the two spouses need to coordinate benefits with each other. This is true for both typical and atypical couples.
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Do You Have a Guaranteed Retirement Income Source During Retirement? from 2021-01-12T12:00:59
For many retirees, receiving a guaranteed lifetime retirement income from a company pension plan is no longer possible and Social Security isn’t enough. An annuity may be a solution.
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2020 End-of-Year COVID-19 and Legislative Action from 2020-12-28T16:38:17
On December 27, 2020, President Trump signed into law the Consolidated Appropriations Act of 2021. Here is a brief summary of some of its provisions, including additional stimulus payments and unem...
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Behavioral Economics, and How it Affects Your Financial Decisions from 2020-12-22T12:00:53
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Healthcare Flexible Spending Accounts for 2020 from 2020-12-15T12:00:15
A Flexible Spending Account can be an excellent tool to help pay medical expenses. But did you know that the rules have changed in 2020?
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2020 Year-End Charitable Giving from 2020-12-08T12:00:33
2020 isn’t over yet, and there are still ways you can make an impact with year-end charitable giving.
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“A Different Approach to Debt” with Mark Willis from 2020-12-01T12:00:58
Is it really a good idea to live debt-free? Our special guest—Mark Willis, CFP®—shares his thoughts in response to this question.
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Avoid These IRS and Social Security Scams Related to the Coronavirus Pandemic from 2020-11-24T20:27:57
Phone scams involving people claiming to be from the IRS or Social Security Administration have been getting worse in recent years, and COVID has rapidly accelerated that trend. But there are some ...
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Why High Net Worth Clients Should Consider Implementing Their Estate Plan Before the End Of 2020 from 2020-10-20T11:00
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Making Better Choices with Your Cash Flow Making Better Choices with Your Cash Flow - An Interview with Tim Yurek from 2020-06-30T12:00:07
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New Definitions of Beneficiaries Planning to Use the Stretch IRA Concept from 2020-06-09T12:00:02
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Getting Through the Crisis—Social Security and Voluntary Suspension from 2020-04-07T11:58:46
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Caring for A Loved One with Special Needs from 2020-03-17T14:40:21
Families that have a child or other dependent with special needs need to plan for the financial support of that family member, potentially for his or her lifetime, which may exceed that of their ow...
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Making a Social Impact with Qualified Charitable Distributions from 2020-03-10T12:22:24
RMDs from IRAs may become an issue for many taxpayers as they increase taxable income, possibly moving you into a higher tax bracket, impacting Social Security benefits and increasing Medicare prem...
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Planning for the Qualified Business Income Deduction from 2020-03-03T14:45:48
The Section 199A deduction is complex, but for many successful pass-through business owners, there are strategies to help qualify for the deduction. Your Security Mutual life insurance advisor can ...
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Stretch IRA Substitute from 2020-02-18T15:27:04
The SECURE Act eliminated the use of the “stretch” IRA, but there may be a way to replace that lost wealth and accomplish a similar goal by using the combination of a life insurance trust and a Sin...
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’Tis Always the Season for Giving—Here’s a Twist from 2020-02-04T13:29:55
Charitable giving occurs throughout the year, not just during the holidays or at year-end. Most people engage in “checkbook philanthropy.” But did you know that there are other ways to give and mak...
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Estate Planning for 2020 and Beyond from 2020-01-21T16:46:30
The SECURE Act and final anti-clawback regulations impact estate planning for wealthier individuals. The Stretch IRA is eliminated, and there will be no clawback of the basic estate and gift tax ex...
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How the SECURE Act Affects Employer-Sponsored Plans from 2020-01-07T14:20
If you are a business owner, you need to be aware that the SECURE Act makes several changes to employer sponsored retirement plans. Most of the changes simplify administration, but not all. Here ar...
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What You Need to Know About the SECURE Act and Your Retirement Savings from 2019-12-31T14:26:15
The SECURE Act is now law. It significantly impacts how we save in our IRAs and retirement accounts, and how we spend those savings. Here’s a brief summary of some of the more important provisions....
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Fixing Social Security: “Means Testing” from 2019-12-03T13:32:29
Everyone tells us that Social Security needs “fixing.” The Social Security Trust Fund, as it currently exists, is not projected to be big enough to cover all of its projected payouts beyond the yea...
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Social Security Survivor Benefits from 2019-11-26T15:03:04
Learn more about Social Security Survivor Benefits in this podcast episode of SML Planning Minute.
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Life Insurance Policy Audits from 2019-11-19T13:42:31
Do you need to “audit” your life insurance policy? What should you be looking for? What questions do you need answered? In this episode, life insurance advisor John J. Doolan, MBA, shares some tips...
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We May Be Able to Save You Money from 2019-08-13T13:59:39
You probably know that you can save money on your car insurance if you maintain a safe driving history. But did you know that healthy living can also save you money? Security Mutual’s Healthy Livin...
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Why Consider a Flexible Premium Annuity with Your Investment Lineup? from 2019-08-06T09:00:40
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The 5 Most Common Mistakes When Claiming Social Security – Part 2 from 2019-07-16T17:07:32
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The 5 Most Common Mistakes When Claiming Social Security – Part 1 from 2019-07-09T13:05:16
When it comes to claiming Social Security, one thing is abundantly clear: every situation is different. And that’s a big reason so many people end up confused. Listen to our podcast to learn 3 of t...
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Medicare Part B: Social Security’s Evil Twin from 2019-06-03T08:00:28
For years the people at the Social Security Administration (SSA) have been telling us that your Social Security benefit is protected against inflation. The reasoning is that Cost of Living Adjustme...
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Why Conduct a Life Insurance Review? from 2019-05-28T16:32:49
Despite the amount of life insurance in your estate, it is an asset that is generally not evaluated, reviewed, or appraised on a consistent and comprehensive basis.
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Protecting the Spouse of a Client Needing Long-Term Care from 2019-05-21T15:32:06
When someone needs long-term care, the needs of the institutionalized spouse come first, and with good reason. But what about the needs of the healthier spouse? How does that spouse fit in, and how...
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Typical Beneficiary Designation Mistakes from 2019-05-14T10:00:27
Typical Beneficiary Designation Mistakes
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Equity Compensation for the Closely Held Business from 2019-05-07T15:37:20
Beyond creating financial incentives for employees, equity compensation plans can have a significant impact on attracting and retaining talent. In a Schwab survey, nearly 40 percent of respondents—...
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Social Security Releases Its Annual Report from 2019-04-30T15:29:19
Social Security Releases Its Annual Report