Author Archives: pattiww

Tax Free Income – 401K Roth

June 21, 2018 Last week we shed light on retirement income and the (slight) tax burden related thereto. Because tax rates start at zero, taxes paid on withdrawals are roughly 8% on the first $60K of income. Tax savings on the ‘traditional’ retirement contribution were taken at ~30%+ rate, which makes for a really good deal. […]

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To Roth or Not to Roth

June 4, 2018 The Traditional IRA (aka Individual Retirement Account) was introduced in 1974 as a retirement scheme for the masses that would allow a tax deduction for a maximum $2,000 contribution. Accounts were set up with personal discretion at a bank or mutual fund company. Gains were tax deferred. In 1997 the Roth IRA was […]

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Take the Money & Run…?

Basic Training #2 – 5.11.18 Decision time! I turn 62 in August and will become eligible for an ‘early’ social security benefit. Early brings with it an ~30% haircut in my ‘full’ benefit. I’ve read many articles with convincing arguments to defer receipt until full retirement (66) given early receipt of benefits brings a lifetime […]

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#Sonoma Strong

Update December 2017 Every year Eric writes a Holiday Poem and we distribute champagne to sing out the old year and celebrate the incoming new year. This year, with the Sonoma/Napa County fires so uppermost in our minds, we felt it more appropriate to help those who have been affected most. This years poem reflects […]

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Money Wise Thinking

Moneywise Thinking A blog by Eric Dahl 3.24.2011 Expect 20%-30% of your portfolio to go in the wrong direction on a weekly or monthly basis. This is the both the necessity and virtue of diversification that not everything go the same way. Over the past six months, our expanding economy has driven investors from the […]

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