Manzanillo Sun

How to Leave IRA Assets to a Beneficiary

By Yann Kostic on the August 2019 Edition If the income from your individual retirement accounts (IRAs) turns out to be more than you actually require in retirement, and you’re looking for ways to pass on some or all of your IRA assets to your heirs, you’ll need to make some choices. The first required minimum distribution […]

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Avoid Mistakes Now, Live a Happy Retirement Later

By Yann Kostic on the July 2019 Edition It’s easy to make financial mistakes when you’re young, because you can generally recover from them over time. Unfortunately, the same can’t be said as you approach retirement, when you’ll have less room for error. With that in mind, here are five mistakes that are easy to make […]

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Try These Three Tips for Retiring with Minimal or No Debt

By Yann Kostic on the May 2019 Edition Ideally, we would all retire debt-free, but we are a nation of borrowers. As of December 2016, the average American household debt totals more than $135,000, according to a Nerd Wallet credit card debt study. Credit card debt for the average household carrying a balance totals more than […]

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What Should You Do with a Financial Windfall?

By Yann Kostic  the March 2019 Edition When it comes to investing a windfall such as an inheritance or retirement-account rollover (IRA, 401K, etc..)you’ll likely find a large number of different options being discussed in the financial media. But which one of these many approaches is best for you? Dollar-cost averaging, or investing the new […]

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How to Work With Multiple Retirement Plan Balances

By Yann Kostic and Tom Zachystal from the January 2019 Edition Are you getting close to retirement or have you already retired? If so, it is likely you have more than one retirement plan. You’re not alone. Many investors have multiple retirement plans; unfortunately they believe that having several plans makes it difficult to calculate […]

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The Emergence of Emerging Markets

     By Yann Kostic from the October 2018 Edition Given their potential volatility, emerging markets are not for fainthearted investors and many people avoid them. But, emerging markets aren’t the vast unknown they used to be.   What are they? Emerging markets are countries that are still developing, usually by means of rapid industrialization. It […]

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