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Part 3: Real Estate Investment Trusts (REITs) This article is the third in a series looking at the pros and cons of various income-producing vehicles. But before we dive in, we’ll begin with an important caveat: Here at Pure Financial Advisors, we believe that for most individuals, the income alternatives we’ll be discussing are best […]
Part 2: Rental Real Estate This article is the second in a series looking at the pros and cons of various income-producing vehicles to help you determine whether they belong in your portfolio mix. But before we dive in, we’ll begin with an important caveat: Here at Pure Financial Advisors, we believe that for most […]
Can multiple rental property losses be written off against other properties or income? What are the pros and cons of putting investment property in an LLC? How do you get the best tax breaks on rental real estate? How does real estate depreciation work? What do you need to think about when turning your primary residence into a rental property? Is a home equity line of credit (HECM or reverse mortgage) a good idea? Also: a complicated property inheritance, and self-funding long-term care insurance.
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What is a cap rate? What does cash-on-cash return mean? Joe and Big Al spitball on rental real estate investing as an early retirement income source. Plus, the stacking rule, the foreign earned income exclusion, and taxes and working – or not – after retirement. Finally, at what point are you saving too much to pre-tax accounts, and is it a good idea to convert to that post-tax Roth before the tax brackets change?
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It’s a question we get asked a lot… and a decision that should not be made lightly until you have made sure you’re buying for the right reasons. Rental real estate can be a great asset class to own. It can provide steady streams of income, it can be tax efficient due to depreciation, and […]
Question: I’m deciding whether to buy a condo and have my son as a renter (so it cash flows) or just putting the money in the stock market. Which investment generally gets a better rate of return just from a numbers standpoint? Greg, Del Mar Watch the full episode, Stress-Test Your Retirement Plan Make sure to […]
Spitballing a real estate strategy: sell investment rental properties to buy a home, use restricted stock units (RSU), do a 1031 exchange, or some other idea? Plus, is it worth it to hire a financial advisor? Is it a good idea to do Roth IRA conversions to the top of your tax bracket each year? How can you move non-deductible IRA money to Roth IRA without paying taxes again? And a cautionary tale about Roth conversions and stimulus payments.
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Risk management investing strategies: is selling rental property and buying a variable annuity to reduce sequence of return risk and interest rate risk a good idea? Do small-cap or emerging markets have better risk-adjusted returns against market volatility? Should eREITs (non-traded real estate investment trusts) be in your retirement investments? Is RPAR Risk Parity ETF a good inflation hedge? Should you be tax gain harvesting in declining financial markets?
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Should you invest in a real estate investment trust (REIT)? What about a fixed indexed annuity or structured notes? What can be done about an indexed universal life insurance plan purchased by an employer to replace a defined benefit plan? Plus, understanding qualified small business stock gain exclusion. Joe and Big Al also discuss the […]
When does the real estate depreciation 121 exclusion happen and how do you account for rental property equity, or cap rates, to calculate retirement income? Plus, estate planning beneficiaries and charitable donations, stock market investing in an LLC, understanding the national debt, the differences between Roth 401(k) and traditional 401(k), and of course, Backdoor Roth […]
The YMYW Retirement Plan Spitball Analysis was so popular that it’s time for part 2! Where do Roth conversions, your primary residence, and rental real estate investment properties fit in your retirement plan? How much of your Social Security is taxed, and will taking your pension lump sum before taking Social Security have an impact […]
This week is a grab-bag: reducing real estate taxes, leveraging new rental income properties, coordinating Social Security benefits with Roth conversions, and bragging about your 401(k) balance. Also, 5-year Roth clocks, converting from your TSP, Roth conversion vs. Backdoor Roth conversion, and paying taxes on conversions. Plus, a chat about Social Security survivor benefits – […]
The CARES Act Coronavirus stimulus package: Today we discuss recovery rebates, new rules for retirement account distributions, stimulus checks for those on Social Security and unemployment benefits. Plus, should a listener invest his forbearance, buy foreclosures, and capitalize on the financial crisis? We also get into the cash-on-cash math for rental real estate and potential […]
How do you run the numbers to find a good, profitable rental property? Should you pay off the mortgage, buy more real estate, or save for retirement? Should you buy a home with all cash? Can a property be considered a rental for tax purposes? Should you refinance your home to pay student loans? What […]
Senior Financial Planner Nate Ritchison, CFP® outlines some of the advantages of investing in real estate in retirement, and he briefly touches on the direct and indirect methods for using rental real estate as a part of your retirement income strategy. Transcript: Today we’re going to discuss whether investing in real estate should be part […]
