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Articles

Charles W. Rawl & Associates provides periodic updates on retirement planning and other financial topics to help investors make better decisions.

Long-Term Impact of Short-Term Inflation on Health Care Costs in Retirement

Even if inflation is only “transitory,” the long-term effect of inflation on health care costs in retirement can be dramatic. In the not-too-distant future, a healthy couple’s lifetime retirement health costs may exceed their lifetime Social Security Benefits. Please read this HealthView Services 2022 Healthcare Cost Report. A well-thought out retirement income plan must be income maximized and risk managed. View and Print this PDF About HealthView Services HealthView Services is a leading provider of health care cost-projection software. Its [...]

By cwrawl|2022-05-02T08:38:09-05:00April 29, 2022|Categories: Articles, Smart Investing|Tags: Health Costs, inflation, Retirement Income|

Last-Minute IRA Tax Deadlines and Rules

April 18 is Tax Day for 2022. It is delayed from the 15th because the IRS offices were closed Friday. Generally speaking, each taxpayer’s bill to the U.S. Treasury is settled at this point, but there are exceptions. Read this Slott Report for insights. Going forward, now is the time to be planning for 2023 and future years. Becoming Tax Saavy throughout your retirement years requires years of advance planning and is an ongoing process. Tax laws will remain dynamic and will never be static. By Andy [...]

By cwrawl|2022-04-25T13:17:25-05:00April 18, 2022|Categories: Articles, The Slott Report|Tags: IRAs, Taxday, Taxes|

President Biden’s 2023 “Green Book” Proposal is a Reminder: No Better Time to Plan Than Now

The U.S. Treasury Department recently released its 2023 “Green Book,” containing this Administration’s proposed tax increases on high-net worth individuals and businesses. While the attached Lion Street article emphasizes that little from the President’s Green Book will become law, it highlights the ongoing focus on, and the risks related to, tax increases on the affluent and on businesses. This is a briliant reminder of the great opportunity in time we have to take advantage of existing income and estate planning strategies before they go away. Our mission is to [...]

By cwrawl|2024-07-22T17:32:26-05:00April 6, 2022|Categories: Articles, News|Tags: Retirement Planning, Taxes|

SECURE Act Rules Impact Owners of Inherited IRAs

Owners of inherited IRAs may be in for a jolt. In a surprise announcement, annual required minimum distributions (RMDs) will be required for those who recently inherited individual retirement accounts (IRAs). In the SECURE Act, Congress eliminated the “Stretch IRA” for most inherited IRAs beginning in 2020 and put in place a “10-year rule.” It was expected that the IRA balance would be required to be withdrawn by the end of that 10-year period with no annual distribution requirements. In May 2021, the IRS confirmed that annual RMDs were [...]

By cwrawl|2022-03-18T12:35:49-05:00March 18, 2022|Categories: Articles, News|Tags: Beneficiaries, IRAs, Taxes|

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|

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|

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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.