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Caller “Good morning, Gene. I have a question. My mother died last February and did not earn enough money to meet the threshold for the federal tax return. Do I…... Read Article

“My grandson is 25, has a good job, but a lot of student debt. He recently told me that if he stays on pace – he’ll be out of debt…... Read Article

“My mom passed away suddenly. She left me an IRA with almost $140,000. I’m 38 and don’t want to take the money until I retire. When I met with the…... Read Article

“I’m 81 years old and if I do say so myself – I’m pretty darn sharp. I’ve been watching how this virus shut down the jobs and after just a…... Read Article

“I’ve been reading there are new annuities that operate like brokerage (investments) accounts. The advisor is paid a fee and the cost of the annuity is lower than most traditional…... Read Article

My husband passed in May.  He was 74.  I am 72. He had two IRAs.  One was the standard and one a Roth. He handled all the finances in our…... Read Article

“My husband thinks we need one more year before we retire. He wants to draw that one year of income out of his 401(k) to pay our bills. He was…... Read Article

“We have enough money saved that we can move less than half into some annuities and it will give us all the income that we need when we add it…... Read Article

“I bought into a mutual fund almost 15 years ago when I got my first job right out of college. I’ve been adding a little bit to it each month…... Read Article

“My son is 27, has a good job and saves his money. He wants to know if now is a good time to invest in the stock market.” Gene answers…... Read Article

Should I keep my will in my safety deposit box? Generally, no. Many people find this surprising. When the renter of a safety deposit box dies, the box is sealed and…... Read Article

“I’m 60, retired, single and my home is paid off. My pension covers my living expenses quite easily. My plan is to delay my social security until I turn 70…... Read Article

Thank you all for making MtM’s Drive-Thru Christmas Party SUCH a success! We’re so grateful to have seen almost 100 of you on a rainy, chilly day. We appreciate you…... Read Article

I often hear you talk on your show about your daughters. I can tell how proud you are of them. If I can brag for a second, our daughter is pretty…... Read Article

My 84 year old mom is getting her estate planning redone. Dad died almost 15 years ago and she didn’t change anything then. Now she feels its time. My question is about…... Read Article

“My son is 28 and has a great job. He’s interested in the FIRE retirement plan… I’ve never heard of it. What should I know so I can help guide…... Read Article

“When your program ended last week I left the radio on and heard the first few minutes of one of the Safe Money (annuity) shows. In his monologue, the host said…... Read Article

“My mom’s bank screwed up and put my brother on her bank accounts. When she passed away everything in the bank went to him. The rest of us four kids didn’t get…... Read Article

“My wife and I are both 77 and have been taking our RMDs right along. About three years ago we heard you talk about sending our RMDs to our church and…... Read Article

“Is life insurance included in the PA inheritance tax?” Generally no. Many people are surprised to find that Pennsylvania does not include life insurance proceeds in the taxable estate of…... Read Article

“I’m 48, married with two kids in college. We own our home with a small home equity loan. We are both in our 401(k)s and have what we need to…... Read Article

“My wife and I are very blessed – our pensions and social security cover way more than our expenses. We also have nearly $900,000 in IRAs from our company 401(k)s.…... Read Article

“My mother-in-law is 74 and a widow, my father-in-law passed away 10 years ago. She has 3 kids and 4 grandchildren. She recently had a health scare, and although she’s…... Read Article

“My husband and I invested in our IRAs in two annuities almost 10 years ago. The annuities have done very little and are costing us 3% per year. The annuities…... Read Article

“My dad heard you talking about reverse mortgages on your radio show and wondered if this is something that would help him. He’s 86, sold his home in New York…... Read Article

“My husband and I got married almost two years ago. When I met him four years ago he had a ton of credit card balances. He has since paid them…... Read Article

“My husband and I have very different approaches to our money – I think he knows more about our finances than I do. He’s been working with our financial advisor…... Read Article

“My son is 41, divorced for 6 years, with 2 children. He has a hard time finding work and/or keeping a job. I’ve given him $1,000 every month since his…... Read Article

“I do all my own investments, income taxes, and even our wills and trusts. I started buying individual stocks a few years ago and my results have been “OK” not…... Read Article

“We’ve been buying stock in a well known company for over 20 years. It went down so we bought more shares thinking we were dollar cost averaging. However, it has…... Read Article

Jim Rohn – was a successful businessman, author, speaker, and was often described as a ‘business philosopher’.  Born on a small Idaho farm in 1930, he died at his home…... Read Article

“This year’s stock market roller coaster seems even worse than 2008.  It has my husband and I worried that we will need all of our savings to live and have…... Read Article

Every thinking American has concerns about the election on November 3rd.  Whichever Presidential candidate you support – you are worried about the future of our country if ‘the other guy’…... Read Article

“My husband is retired and I’d like to retire too. We’ve saved over $1,000,000, spend reasonably, and have little to no debt. However, if I retire now at 62, we’d…... Read Article

“My current advisor and I seem to disagree with how my investment returns are doing. I’m so glad I came to your team at MtM for a second opinion meeting…... Read Article

“I’m owed $1,700 a month from my former employer after I turn 65. This could mean I can retire earlier than I planned… but I’m not sure I trust them…... Read Article

“Is a 70-year-old retired man better off using the equity in his home for a home equity line of credit or getting a reverse mortgage?” Gene answers you and your…... Read Article

“Wharton School on SiriusXM says Bitcoin will become the reserve currency of the world… do you agree?” Gene answers you and your neighbors financial questions on More than Money. Send…... Read Article

“I’ve never met my advisor in person and feel like I annoy him when I call…” Gene answers you and your neighbors financial questions on More than Money. Send in…... Read Article

“Is life insurance really tax free?” It sure can be, but you’ve got to pay attention to the details. Life insurance is nearly always (but not always) income tax free. Life…... Read Article

“How tough is it for a business to provide its employees with a really good 401(k) plan?” Easy peezy, lemon squeezy!  Any company can provide its employees with a world…... Read Article

“I thought the IRS allowed only one investment change per year. What happened to that rule?” The IRS expanded the number of changes from once-per-year to twice-per-year in 2009, but…... Read Article

“My husband and I listen to your show as often as we can. Over the past few months we’ve heard a lot of callers asking about the law that makes them…... Read Article

“I invested in an annuity in early 2008 – right as things got really bad in the stock market. My advisor explained I would get a lifetime of guaranteed income. I put…... Read Article

“Thank you for sending me the filial support article attorney Keith Strohl wrote. It was very informative and also very unsettling. My parents are just turning 60 and they’re both in…... Read Article

“I’m 24 with a great job and solid prospects (Penn State grad!). I’ve recently become able to put money into a 401(k). The company matches half of what I put in up…... Read Article

“My husband and I are both 40, we have two great kids, and two jobs we enjoy. We have saved some money for retirement, but we disagree on how it…... Read Article

Join Gene Tuesday nights at 7:30 on PBS39 for the newest episode of More than Money! Enjoy featured interviews in the ‘American Stories’ series and stick around as Gene answers…... Read Article

“My wife and I are 67 and 66 and will both retire soon. We’ve used our 401(k)s to save for retirement and I have about $700,000 (depending on the day) and…... Read Article

Abraham Lincoln – preserved the United States of America through the darkest period of our existence.  His impact on our country is felt to this day.  Lincoln knew heartache –…... Read Article

“My husband and I invested a good sized chunk of our savings in two annuities in 2009.  Both of these annuities have a benefit that pays us an income for…... Read Article

When 9/11 arrives More than Money and the entire More than Money family is here to help.  On 9/11 our team will be working hard to raise funds for Folds…... Read Article

My brother and I are looking to buy a commercial property. We don’t have the 25% down normally required for a commercial loan.  However, our grandparents were smart investors and set…... Read Article

“Our daughter did a great job in college. She did so well in her major that she got more grants each year than we planned. We have some money (almost $30,000) left…... Read Article

“My wife and I are both 28 with good, but not great jobs. We haven’t started a family yet and are wondering if we shouldn’t be doing ‘something’ on the side…... Read Article

“My wife and I are both twenty-six (26) and expecting our first child in April. I know we need life insurance, but I have no idea how much. What is the right…... Read Article

“Our financial advisor provides us with reports showing how our investments are performing. We compare that report’s numbers with our account statements and some numbers match and some don’t. And the returns…... Read Article

“I use a financial advisor who charged me $11,000 last year, met with me once, and my investments made 1% return. How much should I have paid for this?” Your question…... Read Article

In a word, yes.  If you feel your investments are too exposed to sharp downturns in the market there are a significant number of options you have to build more stability…... Read Article

Maybe you would – for a good reason. In certain situations, inheriting money causes more problems than it solves. If you are in position to inherit a significant sum of money –…... Read Article

How can you allow your family and friends to receive financial advice from someone you don’t know or trust?  Many of our clients and friends refer their friends and family…... Read Article

Your home is properly titled. Your life insurance and IRAs have named beneficiaries. You’ve inventoried your assets and identified who gets mom’s engagement ring and dad’s prized collection of beer cans. Executors are…... Read Article

When your goals change. When your time frames change. When your ‘heart’ changes. These are good reasons to consider changing your investment strategy. When the news is upsetting. When another gold commercial is…... Read Article

“How many investments do I need to be diversified?” Maybe as few as one. Diversification is one of the most important tools in managing risk within an investment portfolio. Diversification comes…... Read Article

Thomas Jefferson – if you are a loyal reader of More than Money the Newsletter you know that I have quoted Thomas Jefferson (or Tom as I’m allowed to call…... Read Article

“What will happen to the American economy/stock market after the election?” This is the question on the minds of many Americans.  Many of the answers they are getting are intentionally…... Read Article

More than Money/MtM offices are open to receive you.  We have missed seeing both our current clients and our hope-to-be clients in our office.  We have a system in place…... Read Article

“My aunt is 90 and has been a client of yours for many years – at least 20. I recently retired and asked her about her experience with you. She said she…... Read Article

“My husband is a teacher and will be retiring at the end of this school year. He has been in PSERS since he started teaching in 1987. We went to a conference…... Read Article

“My question is about how my wife and I can sell our homes and then buy one home together without getting slammed on income taxes. I lost my first wife…... Read Article

“I just turned 59 and plan to retire when I hit 66. I work for a good sized company that offers a 401(k) that no one likes. The investments in our 401(k)…... Read Article

“My wife passed away suddenly last November. She had a 401(k) at her job, an IRA, and a life insurance policy. All together it’s a little more than $360,000. I didn’t do anything…... Read Article

“I am 72 and must take RMDs from my three IRAs. Two are invested in mutual funds and one in an annuity. Each sends me a letter toward the end of the…... Read Article

“My daughter and son-in-law have gotten themselves pretty deep in debt. Big car loans and credit cards are most of their problem. I told them you recommended Dave Ramsey’s course and…... Read Article

“You’ve talked on your radio show about kids being forced to pay for their parents nursing home care. My brother and I talked to our mom and dad about this. Neither of…... Read Article

“My wife and I are both 28 years old and both enjoy good jobs. In total we earn just over $140,000 each year. We’ve been saving for our first home and have…... Read Article

“Who gets paid first my beneficiaries or my heirs?” You might be shocked to find out your will could end up not worth the paper it’s printed on. You might be…... Read Article

“Should I use my company 401(k) or an IRA?” That depends. What are you trying to accomplish? IRAs can be simple, flexible, and personal. 401(k)s can be automatic, low cost, and accept…... Read Article

It is absolutely possible to pay your life insurance premiums exactly as you were told by an insurance salesman and still end up with no death benefit at all. Life insurance…... Read Article

“My fiancé and I have been together for almost four years and both have really good jobs that pay us very well. We both contribute to our 401(k)s. Our student loans will…... Read Article

In a word – profit. Many annuities are extremely profitable – to the annuity company and certainly to the salesman/woman. If you knew that a salesperson was seeing a fourteen per…... Read Article

Sure. Technology can be a wonderful thing. Do you know someone who could use a great financial advisor? Maybe it’s someone you care about, but lives ‘far, far away’ – like Albuquerque…... Read Article

“I recently changed jobs and have – for the first time – a 401(k) I can invest in. I am 26, make a good living, have been saving a fair amount…... Read Article

Privilege – a special right, advantage, or immunity granted or available only to a particular person or group. In America today, the word privilege carries a significant emotional charge.  It…... Read Article

“Is a Will Ever Useless?” No, but – in some cases – not very useful. Everyone knows you should have a will.  Not everyone knows that relying on your will…... Read Article

A young (41) woman recently asked for guidance following the loss of her husband in a car accident four months ago. Her husband had significant amounts of life insurance and left…... Read Article

“How can I get my kids on the right financial track?” You could try texting them. Just kidding – kind of. You (knowing what you know now) wish you could…... Read Article

“My wife and I are both 62 and getting very close to retirement. We’ve heard you mention on your radio show 2nd opinion meetings. I think we’re interested in one of those. We…... Read Article

“We’re looking for a financial advisor. My husband listens to your show while driving for work on Saturday mornings. My friend has suggested her financial advisor, but sounded a little ‘underwhelmed’. Are there…... Read Article

“Talk about being shocked.  I am working full-time and contribute to the 401(k).  I turned 70 ½ in January and HR said they are sending me an RMD.  I explained…... Read Article

“My husband and I are about four years away from retirement – if you think we can retire. Our home is worth about $200,000 and is paid off. The only debt…... Read Article

“I have an investment portfolio of high quality stocks. The dividends they pay are about 2% of their share prices. How can financial advisors be telling people they can withdraw 4% per…... Read Article

“I’m 32 and have been working at the same job since I graduated 10 years ago. I make a good income and have good benefits. The problem is I’m not really happy…... Read Article

“I don’t think many people know that More than Money works with young people as well as baby boomers. My son is 29 and has been a client of your company’s…... Read Article

“I’m 64 and have been retired for just over two years. I have an IRA that holds my 401(k) rollover with about $385,000. I want to start taking my monthly distributions in…... Read Article

“Last year, my wife and I realized our dream. We sold our PA home and our little shore house and we moved to a great new home at the shore. Everything went…... Read Article

“We’ve lived in our home for almost 30 years. Now we’re moving and have it under contract for sale. Our problem is our property has our home and also a small…... Read Article

“Is it permissible to use my daughter’s 529 plan to pay off her student loans?” As of January 1, 2020 the answer is now yes . . . sort of.…... Read Article

Daniel J. Boorstin (1914-2004), was an American historian who taught at the University of Chicago.  He was also prolific writer who produced some exceptionally thoughtful and detailed books. These included…... Read Article

“My wife and I sold our home and are buying a smaller one.  We’re using the proceeds from the sale to almost pay for our new home.  We’re about $35,000…... Read Article

“Does using a Fixed Index Annuity (FIA) make sense inside my IRA?” It depends. What is your goal for taking such a step? If your goal is income tax sheltering –…... Read Article

Light at the End of the Tunnel? This is what I wrote in January to someone asking me what I thought the future would bring: “So you think I am…... Read Article

The CARES Act Summary The CARES Act (Coronavirus Aid, Relief, and Economic Security Act) is a $2 trillion package intended to provide relief to taxpayers and employers from the effects of government…... Read Article

What we know . . . As I write this to you the markets have not yet opened for the first trading day of March.  As you are reading this you…... Read Article

John Yurconic on the set of More than Money... Read Article

On the set of More than Money with Macho Velez... Read Article

On the set of More than Money with Sue Yee.... Read Article

“Last year the stock market did great.  With the impeachment and election what’s it going to do this year?” So you think I am psychic.  Or you think someone is psychic and…... Read Article

Friendship is a beautiful thing.  I recently saw a statement that said (approximately) ‘friendship is the sweetener of life’. The longer I am allowed to enjoy this spinning green world the…... Read Article

We have received so very many kind words and well wishes on our new PBS39 television show – More than Money with Gene Dickison.  Thank you all. As of this writing, our…... Read Article

Just getting ready for our appearance on More than Money with Elaine Zelker.... Read Article

Soren Kierkegaard, a Danish philosopher and theologian of the mid-19th century wrote some of the most interesting and challenging ideas of this time.   He also was dedicated to walking.  Simply walking.  A simple…... Read Article

Passed at the end of December 2019 as part of the government spending bill, the SECURE Act brings multiple changes to how you and I can and will use IRAs…... Read Article

On the set of our TV show with Jamie Musselman.... Read Article

Our January 11th Historic Radio Event – Safeguard Your Financial Future through Elections and Recessions was heard by tens of thousands and ‘attended’ by hundreds through our on-line tools. If you attended,…... Read Article

Joe Mascari joins Gene on the set of PBS39’s More than Money. ... Read Article

We are so excited to share the news with everyone in our More than Money family.  Our More than Money TV show now lives on Sesame Street! Beginning January 7,…... Read Article

“Our daughter did a great job in college.  She did so well in her major that she got more grants each year than we planned.  We have some money (almost…... Read Article

Several years ago I wrote my December newsletter to all of you and came to this segment sharing words as powerful tools for American freedom.  At that time I was…... Read Article

Shawnee Inn’s Kirkwood Family joins Gene on the set of PBS39’s More than Money.... Read Article

It’s Chock Full of Info to Help You Achieve Financial Peace of Mind At MtM Financial Group, we are firm believers in the importance of good communication. So we are…... Read Article

We don’t want you to miss our annual More than Money Holiday Event!  On Dec. 7 we invite you to join us at our More than Money World Headquarters – in…... Read Article

Lots of initials – IRA, RMD, and QCD.  What all those letters might spell is big tax savings if you qualify. A Qualified Charitable Distribution (QCD) is a withdrawal from your IRA…... Read Article

For many taxpayers the idea of investing in a tax shelter sounds like a quick trip to an IRS audit – or worse.  But this tax shelter, of sorts, is…... Read Article

Sounds too good to be true?  Sounds like something you would hear on a TV infomercial at 3 a.m.  Right before the host yells at you through the screen, “But…... Read Article

Capitalism is one of the foundational elements that makes America great.  The “American Dream” is not based on a socialist “see how much we can get without working” philosophy.  The…... Read Article