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7 Ways to Minimize Income Tax in Retirement


Another April 15th has passed so Tax day is over, for now.  Taxes are a unfortunate necessity when you have a full-time job, but your tax liability will probably change  after you retire. You are probably hoping your taxes will decrease after you retire. They probably will but you still need to take control of [...]

8 Retirement Questions 50-Something Couples Need To Answer


Last week during a speech at a Washington retirement conference sponsored by the Investment Company Institute, James Poterba, president of the National Bureau of Economic Research set out eight questions he’s come up with to help 50-something friends, neighbors and relatives think about whether they’re saving enough for retirement. Below is a summary of his [...]

The Biggest Mistake You’ll Make When You Retire


The below article is about the biggest mistake people make when they retire. Originally published in the Palm Beach Letter, this article by author Mark Ford points out a common mistake that many experts forget to mention. Ford, a self proclaimed three time retirement failure, has learned from his mistake and shares it with the [...]

Should married couples ever file taxes separately?


For the majority of readers, the answer to the above question is no. Yet, there are special situations where it makes sense for married couples to file their taxes seperately. Below are a few reasons why married couples might consider filing their taxes separately. For an in depth explanation of every reason, click on the [...]

10 Myths that Ruin Retirements

Nest Egg with large bills

Below is a list of misconceptions that can impact how you prepare for the future. The article by Carolyn O’Hara of LearnVest (featured on highlights some of the faulty thinking that leads people to uncertain retirements. Some of the misconceptions the author points out are pretty obvious but quite a few of the misconceptions highlighted have [...]

The Essentials of Retirement Planning: Personal Life Expectancy


Here is a great article by Janet Novack of Forbes magazine about the importance of factoring life expectancy (both yours and close relatives) into retirement planning. The article discusses the many ways that life expectancy can affect one’s retirement plans positively and negatively. The negatives are usually cause by failing to factor in life expectancy [...]

529 plans: The Ultimate Estate Planning Tool


Most parents and grandparents are aware of the income tax benefits of 529 state college savings plans. Earnings inside these plans (named after the section of the tax law that bestows the special breaks) are tax-free if ultimately used to pay for qualified higher-education expenses, including the cost of tuition, books, and room and board. [...]

Max Out Your Retirement Accounts in 2014


Here’s a great article by author  Emily Brandon featured in US News & World Report. The article details a variety of different ways to max out your retirement savings in the New Year. If you would like to open a retirement account in the new year call Manna at 703-533-0030 or visit for a free [...]

Ideal Nest Egg Grows


A $1 million dollar nest egg used to be considered a fortune.    Lucky the person who could head into retirement with such savings! Unfortunately, in 2013 that sum of money, though many would envy it, is really not so immense. It’s like the 1953 movie, How to Marry a Millionaire. Today, it would have [...]

7 Ways to Protect your Retirement after a Layoff


Here at Manna Capital management we understand that navigating through life is a lot like navigating oceans. It’s never entirely smooth sailing. Life has it’s ups and downs and this can influence your financial plans. For example, a sudden loss of income can quickly derail long held retirement plans. Unexpected job loss is a naturally [...]