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Posts Tagged ‘Dennis Dachtler’

Dennis Dachtler, Sacramento Consultant, Outlines Four Key Phases of Retirement

In Finance on January 7, 2013 at 11:38 am
Dennis Dachtler Sacramento

Dennis Dachtler Sacramento

In today’s one on one chat with the staff of Presentation Solutions, Dennis Dachtler, Sacramento based financial consultant, speaks of planning early and alleviating boredom after leaving your Nine to Five.

Presentation Solutions: Thanks for joining us today. Retirement is a hot issue. What do you say to young folks just starting their career that haven’t gone grey enough to think about planning ahead just yet?

Dennis Dachtler, Sacramento Wealth Planner: I tell them to start now. And I always means now as in right now.

Presentation Solutions: So, the sooner you begin to build a nest egg, the better? Why not wait until you have extra money to save?

Dennis Dachtler, Sacramento Wealth Planner: If you wait until you think you have the extra money, you never will. Start now! By putting away even a small percentage, you will help cushion your golden years.

Presentation Solutions: We understand that you say there are four main stages to retirement. What are they?

Dennis Dachtler, Sacramento Wealth Planner: Pre-retirement, early retirement, full retirement, and final retirement.

Presentation Solutions: Can you go into detail a bit about each stage?

Dennis Dachtler, Sacramento Wealth Planner: Pre-retirement is essentially the planning stages. This is when you decide what you want to do and how much you will need to do it.

Presentation Solutions: Leading to early retirement…

Dennis Dachtler, Sacramento Wealth Planner: This initial active retirement stage is when people are the most active. This is the part of retirement that should be the most enjoyable…it can also be the most expensive depending on how long you are able to get up and go. Many new retirees get bored. I recommend a part time job during this stage to not only supplement savings but to also help ward off boredom.

Presentation Solutions: So, early retirement is different from full retirement?

Dennis Dachtler, Sacramento Wealth Planner: In my book, yes it is. Full retirement is the relaxing stage. You are still able to take care of yourself but do so at a slower pace. This is the time to get out and meet other people of a certain age to enjoy the local scene…a social group, a book club, that sort of thing.

Presentation Solutions: Which brings us to final retirement.

Dennis Dachtler, Sacramento Wealth Planner: This is commonly the part when health and mobility become an issue. Most adults at this time begin to really think about either moving in with family or entering an assisted are facility.

Presentation Solutions: So, how hard is it to plan for retirement?

Dennis Dachtler, Sacramento Wealth Planner: It can be tough for many Americans. Stocks, bonds, insurance…it can be confusing. I definitely recommend using the services of an experienced retirement planner like Dachtler Wealth Management to help organize and manage your assets.

For more information about Dennis Dachtler, Sacramento area wealth planning, or to inquire about insurance products, visit dachtlerwealth.com.

 

Securities and investment advisory services are offered solely through Ameritas Investment Corp. (AIC).  Member FINRA/SIPC.  AIC and Dachtler Wealth Management are not affiliated.  Additional products and services may be offered through Dennis Dachtler, Heather Dachtler or Dachtler Wealth Management that are not offered through AIC. The opinions and views stated in this publication are solely those of Dennis Dachtler and Heather Dachtler and should not in any way be considered to be an endorsement by Ameritas Investment Corp.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money.  A Representative from Dachtler Wealth Management will contact you to provide requested information.  Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Securities products are currently limited to residents of AL, AR, AZ, CA, CO, FL, GA, IN, KS, LA, MN, MO, NC, NE, NM, NV, OR, PA, TN, TX, UT & WA.

 

 

Dennis Dachtler – Advice as Taxpayers Prepare for Proposed Major Tax Changes

In Finance on November 19, 2012 at 9:30 am
Dennis Dachtler

Dennis Dachtler

Dennis Dachtler has seen the proposed changes to tax laws for 2013, and he’s passing this information onto his clients. Tax season is just around the corner and it’s important to learn how these changes will impact you. Dennis Dachtler emphasizes that these are only proposed changes and that they could change, especially given that it is an election year. Currently, however, here is what is on the table for 2013.

Capital Gains

Currently, the top tax rate on capital gains is 15%, Dennis Dachtler states, with those in the 10-15% income bracket not currently required to pay long-term capital gains taxes. This income cap is expected to increase to 20%, according to Dennis Dachtler—23.8% including Medicare contribution tax.

Top Dividend

Top dividend tax rates may increase to 44%. This is a substantial increase, Dennis Dachtler notes, as the current rate is only 15%. This is due to the upcoming expiration of the Bush tax cuts, according to Dennis Dachtler. Unless Congress votes to extend those tax cuts, dividends will return to being taxed as income. This will most markedly impact those in higher income brackets, who may see tax increases of as much as 39.6 percent on their dividend income, reports Dennis Dachtler.

Other Investment Incomes

On other investment incomes, investors may see a nine percent increase, going from 35% to 44%. According to Dennis Dachtler, other investment income may include interest, dividends, trade income, or net gains on property, among others.

Estate Tax Exemptions

If someone inherits a home from a deceased relative, that home is subject to an estate tax. Currently, however, Dennis Dachtler explains that if the home is valued at less than $5 million, the new owner is exempt. The new tax laws propose that this exemption drop to $1 million, states Dennis Dachtler.

Medicare Contribution Tax

Another planned change in 2013 will be the Medicare contribution tax of 3.8 percent, which will be levied on specified unearned income. This will largely impact those with investment income that exceeds a certain amount, Dennis Dachtler describes.

As politicians argue about whether or not to impose taxes on the wealthy, middle class, or poor, it’s important to note that taxes impact everyone. Whatever your situation, it’s important to receive sound financial advice before filing your taxes. A professional financial advisor like Dennis Dachtler can work with you and your tax professional to help you review the exemptions and tax cuts that apply specifically to you.  For more information, visit Dachtler Wealth online at http://www.dachtlerwealth.com.

 

Securities and investment advisory services are offered solely through Ameritas Investment Corp. (AIC).  Member FINRA/SIPC.  AIC and Dachtler Wealth Management are not affiliated.  Additional products and services may be offered through Dennis Dachtler or Dachtler Wealth Management that are not offered through AIC. The opinions and views stated in this publication are solely those of Dennis Dachtler and should not in any way be considered to be an endorsement by Ameritas Investment Corp.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money.  A Representative from Dachtler Wealth Management will contact you to provide requested information.  Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Securities products are currently limited to residents of AL, AR, AZ, CA, CO, FL, GA, IN, KS, LA, MN, MO, NC, NE, NM, NV, OR, PA, TN, TX, UT & WA.