There are many common phrases that reference the certainties of taxes.  One of the most popular is Benjamin Franklin’s “In this world nothing can be said to be certain, except death and taxes.”  Unfortunately, this phrase does have some truth.  And unfortunately again, taxes for most people do not ever stop – not even in…

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A defined benefit pension plan, where a company promises to pay a retiree a set amount each month during retirement, has been a staple in many people’s retirement plan for a long time. However, things have changed a lot lately for these defined benefit pension plans. If you read the book Jeremy and I wrote…

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