1. Common Social Media Marketing Mistakes
  2. Take control of your personal information
  3. 3 trends that can stimulate small business growth
  4. Content Optimization: The Key to Writing Content That Ranks Higher on Google
  5. 5 Easy Giveaways That Help Build Customer Loyalty
  6. 6 Innovative Examples of Technology in Marketing You Should Be Aware Of
  7. Top 5 Tips for Paying Off Debt Quickly
  8. Is A ‘Robo Advisor’ In Your Financial Future?
  9. Three tax savings strategies for a secure retirement to try right now
  10. 4 habits for fit finances
  11. Study finds small businesses have a big impact on the economy
  12. How to Promote a Self Published Book: 8 Pro Tips
  13. How to Measure the Success of Your Blog Strategy
  14. 9 Technical Writing Tips to Improve Your Skill
  15. 5 Undeniable Benefits of Email Marketing for Book Promotion
  16. How to Create Great Writing for Social Media Marketing Posts
  17. 7 Promotion Strategies to Promote Your New Content
  18. 10 Marketing Tools and Supplies You Need to Boost Business
  19. Tips for Measuring Marketing Effectiveness
  20. How to Find an Awesome Social Media Advertising Agency
  21. 5 Steps You Must Take When Starting a Business
  22. How to Create a Lead Magnet to Attract Clients and Boost Sales
  23. 5 Ways to Diversify Your Marketing Tactics
  24. 15 Social Media Tips for Small Businesses
  25. Top 10 Tips to Improve Customer Service in Your Business
  26. Top 5 Best Website Promotion Tips
  27. How to Improve a Website: Web Design Tips and Tricks
  28. How to Create a Blog People Will Read
  29. 10 Reasons All Businesses Need a Solid Social Media Marketing Campaign
  30. 8 Ways to Avoid the Most Common Logo Creation Mistakes
  31. The Difference Between Remarketing and Retargeting Advertising
  32. Types of Content Marketing: The Ultimate Guide
  33. How to Monetize Your Blog
  34. The Top Business Trends You Must Keep in Mind
  35. Should You Incorporate an SMS Campaign In Your Marketing Strategy?
  36. How to Protect Your Identity Online
  37. How Niche Markets are Using Social Media to Increase B2B Sales
  38. 5 Proven Strategies to Promote Your Ecommerce Website
  39. 9 Local Lead Generation Tips Every Entrepreneur Needs
  40. 5 Productivity Hacks for Writers
  41. Where To Find The Best Free Images For Blogs
  42. A Brief Guide to Taxes for Freelancers
  43. 5 Content Creation Ideas for Your B2B Blog
  44. 3 Tips For Writing Amazing Content For Your Financial Blog
  45. 9 Reasons Why You Need a Professional Web Designer
  46. How Answering Services Work (And Why You Need One)
  47. 5 Ways to Create More Data-Driven Content for Business
  48. How to Improve Your Credit Score Fast
  49. Affiliate Marketing for Beginners
  50. The 3 Easiest Solutions for How to Improve a Website
  51. How to Organize Your Online Content with a Writer’s Journal
  52. The 10 Most Overused Digital Marketing Buzzwords
  53. Why Brands Are Switching to Narrative Marketing
  54. Installment Loans: What Are the Benefits?
  55. 5 Super Cheap Promotional Items To Boost Your Customer Retention
  56. The Ultimate Budget Guide for Freelancers: Learning When to Save and When to Splurge
  57. Challenge Accepted: Issues Facing Legal Marketing Teams
  58. Simplify Your Life With These Money Saving Tips
  59. How Millennial Talent Is Driving Digital Media Growth
  60. 10 Tips for Driving More Traffic to Your Blog
  61. How to Grow Your Blog in 5 Simple Steps
  62. 8 Reasons Why Digital Marketing Is Important for Every Business
  63. Marketing Your Business Online: A Simple Guide
  64. 4 Tips for Creating a Viral Facebook Post
  65. How to Capitalize on Hot Button Topics With Your Marketing
  66. Writing Income Down This Month? Try These 5 Tips to Make More Money Online
  67. How to Build and Market an Affiliate Niche Site
  68. 5 SBA Loan Questions to Ask Before Getting a Loan
  69. How to Start a Successful Online Business
  70. Why You Should Encourage Employee Blogging
  71. Great Blog Apps That Will Help You Monetize
  72. How to Use Promotional Flyers to Increase Sales
  73. 5 Tips For Improving Your Business’s Web Strategy
  74. 5 Office Layout and Design Tips
  75. 5 Ecommerce Solutions for Small Business Success
  76. 8 Ways to Avoid the Most Common Logo Creation Mistakes
  77. Staring at the Screen: 5 Ways to Beat Writer’s Block for Good
  78. What to Consider When Choosing an eLearning Template
  79. The Best Ways to Manage Your Cloud Storage
  80. How to Increase Blog Traffic for Your Business
  81. How to Increase Blog Traffic for Your Business
  82. Security Alert! Don’t Leave Your Site (Or Your Customers) Vulnerable
  83. 7 Blogging Mistakes That Could Be Hurting Your Traffic
  84. Understanding the Writing Style for Your Brand
  85. 4 Tips for an Effective Website Development Project Plan
  86. Secrets to Creating a Visual Brand Identity That Sets You Apart
  87. A Guide on How to Be Charming in All Situations
  88. How Brain Training Games Boost Memory and Productivity
  89. The True Entrepreneur – 3 Tips for Your Success
  90. The 2018 Small Business Report [Infographic]
  91. 6 Website Must-Have’s for Small Businesses
  92. Tips to Help You Become An Entrepreneur
  93. 5 Smart Investment Management Tips
  94. The Top Content Marketing Trends Going Into 2018
  95. Great Blog Apps That Will Help You Monetize
  96. SEO Made Easy: How to Optimize Your Blog Posts
  97. How to Write a Compelling Logo Tagline
  98. Social Media Management for Realtors
  99. 10 Tips on What Makes a Good Website Design
  100. 8 Recruiting Solutions to Help You Find The Right Employees
  101. Entrepreneurs in unexpected places: How one Midwest city promotes diverse local innovation
  102. How to Set the Financial Goals that Grow Your Business
  103. How retailers can build trust and relevance in their communities
  104. Make 2018 the year of helping veterans
  105. Growing your business? These 3 financing mistakes can cost you big
  106. 3 Ways to Stay On Top of Your Taxes
  107. 5 Things CRM Software Does to Catapult Your Business
  108. The Best Ways to Use Equipment Financing For Your Startup
  109. 5 SBA Loan Questions to Ask Before Getting a Loan
  110. 10 Super Cool Unconventional Business Cards
  111. What Are My Business Loans for Poor Credit Options?
  112. 12 Local SEO Solutions That Will Help You Outrank the Competition
  113. How to Have the Smartest Home on the Block
  114. Time-saving tricks that save hours each week
  115. Small businesses have struggled to find funding: Not anymore
Monday, December 17, 2018
  1. Common Social Media Marketing Mistakes
  2. Take control of your personal information
  3. 3 trends that can stimulate small business growth
  4. Content Optimization: The Key to Writing Content That Ranks Higher on Google
  5. 5 Easy Giveaways That Help Build Customer Loyalty
  6. 6 Innovative Examples of Technology in Marketing You Should Be Aware Of
  7. Top 5 Tips for Paying Off Debt Quickly
  8. Is A ‘Robo Advisor’ In Your Financial Future?
  9. Three tax savings strategies for a secure retirement to try right now
  10. 4 habits for fit finances
  11. Study finds small businesses have a big impact on the economy
  12. How to Promote a Self Published Book: 8 Pro Tips
  13. How to Measure the Success of Your Blog Strategy
  14. 9 Technical Writing Tips to Improve Your Skill
  15. 5 Undeniable Benefits of Email Marketing for Book Promotion
  16. How to Create Great Writing for Social Media Marketing Posts
  17. 7 Promotion Strategies to Promote Your New Content
  18. 10 Marketing Tools and Supplies You Need to Boost Business
  19. Tips for Measuring Marketing Effectiveness
  20. How to Find an Awesome Social Media Advertising Agency
  21. 5 Steps You Must Take When Starting a Business
  22. How to Create a Lead Magnet to Attract Clients and Boost Sales
  23. 5 Ways to Diversify Your Marketing Tactics
  24. 15 Social Media Tips for Small Businesses
  25. Top 10 Tips to Improve Customer Service in Your Business
  26. Top 5 Best Website Promotion Tips
  27. How to Improve a Website: Web Design Tips and Tricks
  28. How to Create a Blog People Will Read
  29. 10 Reasons All Businesses Need a Solid Social Media Marketing Campaign
  30. 8 Ways to Avoid the Most Common Logo Creation Mistakes
  31. The Difference Between Remarketing and Retargeting Advertising
  32. Types of Content Marketing: The Ultimate Guide
  33. How to Monetize Your Blog
  34. The Top Business Trends You Must Keep in Mind
  35. Should You Incorporate an SMS Campaign In Your Marketing Strategy?
  36. How to Protect Your Identity Online
  37. How Niche Markets are Using Social Media to Increase B2B Sales
  38. 5 Proven Strategies to Promote Your Ecommerce Website
  39. 9 Local Lead Generation Tips Every Entrepreneur Needs
  40. 5 Productivity Hacks for Writers
  41. Where To Find The Best Free Images For Blogs
  42. A Brief Guide to Taxes for Freelancers
  43. 5 Content Creation Ideas for Your B2B Blog
  44. 3 Tips For Writing Amazing Content For Your Financial Blog
  45. 9 Reasons Why You Need a Professional Web Designer
  46. How Answering Services Work (And Why You Need One)
  47. 5 Ways to Create More Data-Driven Content for Business
  48. How to Improve Your Credit Score Fast
  49. Affiliate Marketing for Beginners
  50. The 3 Easiest Solutions for How to Improve a Website
  51. How to Organize Your Online Content with a Writer’s Journal
  52. The 10 Most Overused Digital Marketing Buzzwords
  53. Why Brands Are Switching to Narrative Marketing
  54. Installment Loans: What Are the Benefits?
  55. 5 Super Cheap Promotional Items To Boost Your Customer Retention
  56. The Ultimate Budget Guide for Freelancers: Learning When to Save and When to Splurge
  57. Challenge Accepted: Issues Facing Legal Marketing Teams
  58. Simplify Your Life With These Money Saving Tips
  59. How Millennial Talent Is Driving Digital Media Growth
  60. 10 Tips for Driving More Traffic to Your Blog
  61. How to Grow Your Blog in 5 Simple Steps
  62. 8 Reasons Why Digital Marketing Is Important for Every Business
  63. Marketing Your Business Online: A Simple Guide
  64. 4 Tips for Creating a Viral Facebook Post
  65. How to Capitalize on Hot Button Topics With Your Marketing
  66. Writing Income Down This Month? Try These 5 Tips to Make More Money Online
  67. How to Build and Market an Affiliate Niche Site
  68. 5 SBA Loan Questions to Ask Before Getting a Loan
  69. How to Start a Successful Online Business
  70. Why You Should Encourage Employee Blogging
  71. Great Blog Apps That Will Help You Monetize
  72. How to Use Promotional Flyers to Increase Sales
  73. 5 Tips For Improving Your Business’s Web Strategy
  74. 5 Office Layout and Design Tips
  75. 5 Ecommerce Solutions for Small Business Success
  76. 8 Ways to Avoid the Most Common Logo Creation Mistakes
  77. Staring at the Screen: 5 Ways to Beat Writer’s Block for Good
  78. What to Consider When Choosing an eLearning Template
  79. The Best Ways to Manage Your Cloud Storage
  80. How to Increase Blog Traffic for Your Business
  81. How to Increase Blog Traffic for Your Business
  82. Security Alert! Don’t Leave Your Site (Or Your Customers) Vulnerable
  83. 7 Blogging Mistakes That Could Be Hurting Your Traffic
  84. Understanding the Writing Style for Your Brand
  85. 4 Tips for an Effective Website Development Project Plan
  86. Secrets to Creating a Visual Brand Identity That Sets You Apart
  87. A Guide on How to Be Charming in All Situations
  88. How Brain Training Games Boost Memory and Productivity
  89. The True Entrepreneur – 3 Tips for Your Success
  90. The 2018 Small Business Report [Infographic]
  91. 6 Website Must-Have’s for Small Businesses
  92. Tips to Help You Become An Entrepreneur
  93. 5 Smart Investment Management Tips
  94. The Top Content Marketing Trends Going Into 2018
  95. Great Blog Apps That Will Help You Monetize
  96. SEO Made Easy: How to Optimize Your Blog Posts
  97. How to Write a Compelling Logo Tagline
  98. Social Media Management for Realtors
  99. 10 Tips on What Makes a Good Website Design
  100. 8 Recruiting Solutions to Help You Find The Right Employees
  101. Entrepreneurs in unexpected places: How one Midwest city promotes diverse local innovation
  102. How to Set the Financial Goals that Grow Your Business
  103. How retailers can build trust and relevance in their communities
  104. Make 2018 the year of helping veterans
  105. Growing your business? These 3 financing mistakes can cost you big
  106. 3 Ways to Stay On Top of Your Taxes
  107. 5 Things CRM Software Does to Catapult Your Business
  108. The Best Ways to Use Equipment Financing For Your Startup
  109. 5 SBA Loan Questions to Ask Before Getting a Loan
  110. 10 Super Cool Unconventional Business Cards
  111. What Are My Business Loans for Poor Credit Options?
  112. 12 Local SEO Solutions That Will Help You Outrank the Competition
  113. How to Have the Smartest Home on the Block
  114. Time-saving tricks that save hours each week
  115. Small businesses have struggled to find funding: Not anymore

Three tax savings strategies for a secure retirement to try right now

(BPT) – Individuals who rushed to prepay property taxes after the passage of the Tax Cuts and Jobs Act may have saved some money in 2018 — but that’s pennies compared to the long-term tax savings taxpayers should take advantage of before the TCJA’s individual tax provisions are expected to expire in 2026, according to Robert Fishbein, vice president and corporate counsel at Prudential Financial.

Also expected to expire in 2026? According to trustees for Social Security, that’s when Medicare’s main trust fund will run out of money. With the increasing likelihood that Social Security and Medicare benefits may be reduced in the future, it’s more important than ever to use every technique available to maximize your retirement savings.

Three outside-the-box strategies could make an enormous difference in your retirement readiness. The sooner you start, the more you may save.

Fund an HSA for retirement health care

Estimates suggest even a healthy 65-year-old couple will need at least $275,000 to cover retirement health care costs. A Health Savings Account, or HSA, provides a way to save that money without paying a dime in taxes. An HSA account is available to individuals enrolled in a high deductible health insurance plan.

First, these individuals can fund their HSA through a tax-deductible contribution or pre-tax payroll deduction. Second, any interest and investment gains are tax-free. Finally, the funds can be withdrawn tax-free to pay for qualified medical expenses— a triple tax advantage over a traditional savings account.

The best part? There is no requirement to use HSA funds in the year of contribution, which means funds can grow on a tax-favored basis for future health care expense needs.

For 2018, family contribution limits are $6,900, or $7,900 if you are 55 or older, and those amounts are indexed for inflation in future years. If you start contributing the maximum even as late as age 55, and earn 3 percent per year, you could have more than $90,000 to pay for your retirement health care by age 65. If you start contributing the maximum as early as age 40, you could have saved almost $270,000. These funds will continue to grow tax-free in retirement until you need them.

If you don’t use HSA funds in full before you die, excess funds are subject to income tax, but will be otherwise available for your heirs.

Consider a Roth IRA conversion

The typical dogma says that converting an IRA or traditional 401(k) to a Roth IRA does not make sense if you expect your tax rate in retirement to be lower than at the time of conversion. However, lesser known benefits of a Roth IRA may make it worthwhile to have at least part of your retirement assets in Roth IRA form.

Start with no required minimum distributions. With a Roth you aren’t forced to draw down your funds once you attain age 70½ and can continue to benefit from the tax-free growth, thereby maximizing the after-tax funds eventually available for you or your heirs.

Another significant benefit of a Roth IRA or Roth 401(k) is tax diversification. For example, you may choose to take taxable distributions up to a certain amount and then tax-free distributions to avoid a higher income tax bracket.

If you are a high-income taxpayer, Roth IRA distributions are not considered income when determining thresholds for increased Medicare premium charges or the 3.8 percent income tax surcharge on investment gain. If your income is more modest, Roth IRA distributions are not considered income when determining whether you are subject to income tax on Social Security benefits.

If anything, a conversion is more attractive now since you have an opportunity to convert and pay income tax with marginal rates that are generally lower than under prior law. Since individual tax law changes are temporary and tax rates will revert to the former higher amounts starting in 2026, you have an eight-year window to benefit from lower rates.

Make “backdoor” Roth IRA contributions

The tax law prescribes income limits so high-income individuals may not make a direct contribution to a Roth IRA. However, there are no income limits on converting traditional IRA funds to a Roth IRA.

Any person under age 70.5 who has earned income by year-end can make an IRA contribution. While income limits may prevent you from making a pre-tax contribution, you can make this contribution even if you have fully funded a 401(k) or another employer plan.

Once you have made your contribution to a traditional IRA, simply convert that amount to your Roth IRA. As long as this is your only traditional IRA and you have made an after-tax contribution, then an immediate conversion will have converted a tax-deferred asset into a potentially tax-free asset. If you have multiple IRAs, the IRAs are aggregated to determine how much is taxable upon conversion.

While we spend much time on our investment strategies to help gain an extra percentage or two of investment yield, these tax planning strategies can be a more reliable way of maximizing your after-tax retirement income and wealth for your family — no matter how Social Security and Medicare turn out.

Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances.

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