Financial News and Updates Articles by Charles W. Rawl

The Most Controversial Part of the New IRS Regulations

The IRS has flip-flopped! In the SECURE Act, Congress eliminated the “Stretch IRA” for most inherited IRAs beginning in 2020. A new “10-year rule” was put in place and experts believed the IRA balance had to be withdrawn by the end of the 10-year period with no annual distribution requirements. In May 2021, the IRS confirmed that annual RMDs were not required. Two weeks ago, the IRS released the long-awaited SECURE Act RMD proposed regulations and flip-flopped. If annual RMDs are required, some taxpayers could already be in trouble. [...]

By cwrawl|2022-03-18T12:39:36-05:00March 7, 2022|Categories: Articles, The Slott Report|Tags: Beneficiaries, IRAs, IRS, Taxes|

Update Your Beneficiary Forms

Naming the beneficiaries of your retirement assets may seem like an obvious task as you plan for the future, yet it is often one of the most overlooked. Failing to properly update your beneficiary forms can compromise the legacy you worked so hard to build. To help ensure your assets are handled properly after your death, click to download a Beneficiary Form Checklist. For professional assistance with your beneficiary forms, contact our office to schedule a time for a visit. As a member of Ed Slott’s Master Elite IRA [...]

By cwrawl|2022-03-07T12:03:01-06:00February 28, 2022|Categories: Articles, The Slott Report|Tags: Beneficiaries, Ed Slott Elite Advisors, Retirement Planning|

Lion Street Joins Integrity to Expand Mission to Help Protect Life, Health and Wealth Needs of Americans

Combination of Lion Street’s strong support of financial advisors and Integrity’s omnichannel insurtech platform will provide even more holistic solutions for American consumers Integrity Marketing Group, LLC (“Integrity”), an omnichannel insurtech leader in life, health and wealth solutions, today announced it has acquired Lion Street, an elite national network of agencies and professionals providing life insurance, wealth management and financial planning solutions to high-net-worth clients. As part of the acquisition, Bob Carter, Founder and CEO of Lion Street, and Jim Cahill, President of Lion Street, will become Managing Partners in [...]

By cwrawl|2022-01-26T10:17:36-06:00January 25, 2022|Categories: News|Tags: Life Insurance, Lion Street|

Power of Life Insurance Case Study

Life Insurance Case Study Prepared by Lion Street In this case study, a life insurance policy owned by an irrevocable trust is compared to a taxable investment. Estate taxes are factored into this analysis. In the right situation, life insurance can help our clients’ income and legacy plans be Tax Savvy, Income Maximized and Risk Managed. Please view this Lion Street PDF one-pager on tax-equivalent returns. Click to view or print PDF View and Print this Article [...]

By cwrawl|2022-08-07T17:18:26-05:00November 30, 2021|Categories: Articles, Life Insurance|Tags: Life Insurance, Lion Street, Retirement Planning, Taxes|

Clarifying Some Roth Conversion Misconceptions

Roth IRAs can be a valuable tool to help make your retirement income plan Tax Savvy, which in turn makes it easier for your plan to become Income Maximized. Many people believe they are not eligible for a Roth IRA. While they may not be eligible to contribute to a Roth IRA, anyone can do a Roth Conversion. As a member of Ed Slott’s Elite IRA Advisor Group, Mr. Rawl has direct access to Ed and his team of IRA experts. Ed Slott and Company is a valuable resource [...]

By cwrawl|2022-02-12T09:27:55-06:00November 8, 2021|Categories: Articles, The Slott Report|Tags: Ed Slott Elite Advisors, IRAs|

Is It Too Late to Open a Small Business Retirement Plan for 2021?

Establishing a small business retirement plan can be a Tax Savvy decision. As a member of Ed Slott’s Elite IRA Advisor Group, Mr. Rawl has direct access to Ed and his team of IRA experts. We can help determine what type of plan is best for you. By Ian Berger, JD IRA Analyst Follow Us on Twitter: @theslottreport As we move into 2022, small business owners may be wondering whether they still have time to establish a new retirement plan for 2021. The short answer is: “It [...]

By cwrawl|2022-02-11T19:22:37-06:00November 8, 2021|Categories: Articles, The Slott Report|Tags: Ed Slott Elite Advisors, Retirement Planning|

Allen Stanford: Episode 6 Hurricane Season

Allen Stanford: The Man Who Bought Cricket Episode 6: Hurricane Season Sept 27, 2021 https://www.bbc.co.uk/sounds/play/p09x10p7 Listen to the BBC podcast Putting Clients Interests First, Whatever It Takes There are red flags everywhere and authorities in the U.S. are under pressure to act. Both the FBI and SEC are considering their next steps, fearing this may be another Bernie Madoff Ponzi scheme. It's a race against time with billions of dollars and livelihoods at stake. “All we wanted to do was leave that place, [...]

By cwrawl|2022-02-12T09:25:44-06:00September 27, 2021|Categories: Articles|Tags: As heard on the BBC|

Allen Stanford: Episode 5 The Whistleblowers

Allen Stanford: The Man Who Bought Cricket Episode 5: The Whistleblowers Sept 27, 2021 https://www.bbc.co.uk/sounds/play/p09x06y0 Listen to the BBC podcast Putting Clients Interests First, Whatever It Takes Far away from Cricket celebrations in Antigua, two former Stanford financial advisors started a chain of events that would have great implications for Stanford and his business empire. But billionaires don't shy away from a fight, especially when everything could be at stake. Sensing danger, Allen employs all the tools at his disposal to try and [...]

By cwrawl|2022-02-12T09:07:05-06:00September 27, 2021|Categories: Articles|Tags: As heard on the BBC|

Life Insurance: A Valuable Contingent Asset Class?

As seen in Trusts & Estates Journal August 2020 By Jay C. Judas and Michael Fontanini Life insurance — in addition to paying benefits to beneficiaries — can also serve as a legacy planning vehicle to add value and diversification to a family’s portfolio. This article was co-written by Michael Fontanini, VP of advanced sales and design at Lion Street. It offers investors a deep dive into portfolio planning principles, particularly regarding the flexibility and value that life insurance can add to your portfolio as a "balanced whole." Among [...]

By cwrawl|2022-02-11T19:07:44-06:00August 1, 2020|Categories: Articles, Life Insurance|Tags: Life Insurance, Lion Street|

Should You Defer Your Taxes Until Retirement?

When it comes to taxes, there’s an expensive difference between smart planning and just plain procrastination. At Charles W. Rawl & Associates, we strive to achieve three Critical Outcomes. Critical Outcome #1 is that our retirement income plan is Tax Savvy. Sometimes it is necessary to throw out conventional wisdom! Tax deferral can be a powerful incentive for funding a retirement account. It is difficult to ignore the allure of a plan that allows you to save on taxes now as you save money [...]

By cwrawl|2022-09-27T08:00:43-05:00November 19, 2019|Categories: Articles, Smart Investing|Tags: As seen in Kiplinger, Taxes|

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Charlie Rawl is keenly focused on helping his clients work toward their retirement dreams through a comprehensive financial strategy. He has distinguished himself throughout his career as a troubleshooter and problem-solver, designing and implementing creative solutions to often-complex challenges.

He has three decades of experience in financial services, encompassing commercial banking, insurance and investment management. This diverse experience gives him an invaluable perspective in conducting detailed analyses and creating state-of-the-art wealth management and retirement income solutions.