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In the News:

Starting January 1, 2015, 401(k), 403(b), and profit sharing plan elective deferrals rise to %18,000 from $17,500. The catch-up contribution limit for participants age 50 or older rises to $6,000 from $5,000.

For 2016, the estate and gift tax exemption is $5.45 million per individual, up from $5.43 million in 2015. That means an individual can leave $5.45 million to heirs and pay no federal estate or gift tax. A married couple will be able to shield $10.9 million from federal estate and gift taxes. The annual gift exclusion remains the same as 2015 at $14,000.


Pros and Cons of Health Reform - Obamacare

Young Adults can stay on their parents’ plan until 26.
Medicaid has expanded to cover up to 15.9 million men, women, and children who fall below 138% of the poverty level.
People who cannot afford health insurance won't have to pay as much money.
People who are already sick will be eligible for healthcare.
Health insurers can no longer cap coverage. In other words, they will no longer say that they have spent enough on you and you're on your own for the next hundred thousand dollars.

For the first ten years, it will cost about $100 billion a year. Who gets to pay for this? look in the mirror.
Increase the cost of health insurance as a whole. This depends on whether the gains from increased efficiencies and increased competition is outweighed by the cost of providing additional benefits.
The Individual Mandate. You will have to either buy health insurance if you don't have it or have a 2% tax increase. This insurance will be subsidized-but there is no guarantee that the subsidy will suffice for your specific situation.
There will be a tax increase on high income people. If you are making more than half a million (or maybe a full million) you will have about a 1% tax increase.
Increased government involvement in healthcare.
Additional regulation on insurance companies. This might increase costs.
Physicians will have increased access to information about what treatments are most effective for their cost. If two treatments work equally well and one is cheaper, doctors can recommend that one.
Large employers may also have to offer health insurance to more of their employees. If they do not, they may have to pay some extra tax.

While there are some lucky individuals who can afford to retire alot younger, the typical retire age is generally between 55 and 70. With the scarce job market, possible healthcare reform, loss of retirement nest egg, depleted social security, the average retire age climbs each year.



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