Are Living Trusts Worth It? | Three Strategies to Cut Taxes in Retirement | Should You Delay Social Security if You're Wealthy?

What to Do About Bonds Right Now | Eight Steps to Protect Your Child From Data Breaches | Three Strategies to Cut Your Taxes in Retirement Created for {EMAIL} | [Web Version]( August 28, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Investing [] [What to Do About Bonds Right Now]( [What to Do About Bonds Right Now]( (Getty Images) With interest rate cuts on the horizon, financial professional Adam Lampe points out that now is the time for investors to shift to longer-term fixed-income securities to [lock in higher yields](. [] Family Matters [] [Eight Steps to Protect Your Child From Data Breaches]( [Eight Steps to Protect Your Child From Data Breaches]( (Getty Images) The more technology is used at school, the more [students' data is at risk](, but teaching and practicing good cyber hygiene can mitigate that risk. Financial professional and attorney Justin Stivers explains how. [Get Your Personalized Financial Plan Here]( No matter your level of experience, our team of advisors will give you personalized advice to help you invest confidently. Schedule your complimentary financial planning session today with J.P. Morgan Personal Advisors. [REQUEST DETAILS]( INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE Kiplinger may receive compensation from JPMC ADVERTISEMENT [] Retirement Planning [] [Three Strategies to Cut Your Taxes in Retirement]( [Three Strategies to Cut Your Taxes in Retirement]( (Getty Images) All that money in your tax-deferred retirement accounts? Uncle Sam is going to want his cut, so here's [how to prepare for that](, according to financial professional Michael Miller. Featured Content Sponsored Content from Kiplinger Advisor Collective [Expand Your Influence in the Financial Industry]( Join the Kiplinger Advisor Collective: the ultimate platform for financial experts. Network, build your brand, and share your expertise with readers. [Inquire Now]( [] Social Security [] [Should You Delay Social Security if You're Wealthy?]( Financial planner Evan T. Beach poses three scenarios in which you might want to consider claiming Social Security benefits later if you have saved a significant chunk of change. [Read More]( [Overly Invested in Equities? Consider This Alternative]( Generate attractive tax-advantaged income and long-term capital appreciation that provides diversification away from the broader stock market. The CRE Income Fund pays an annual 10% dividend yield and is a long-term strategy that returns over $25,000 for every $10,000 invested and compounded annually over the next ten years. [READ MORE]( ADVERTISEMENT [] Estate Planning [] [Are Living Trusts Worth It? Pros and Cons]( Living trusts can help manage your assets (and taxes) while you're alive and transfer them after you die. Elder law attorney Patrick M. Simasko highlights the advantages and disadvantages. [Read More]( [Financial experts + automated tech]( While you focus on what's important to you, Betterment is working behind the scenes to optimize your investments and make your money hustle. [Learn More]( ADVERTISEMENT [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Are you tempted to drop your homeowners insurance?]( That would be a really bad idea, even if your home is paid for. An insurance expert makes some suggestions for how to make paying your premiums more palatable. [Don't let your kids' bad financial habits drain you dry]( When adult kids make financial mistakes, their parents can suffer. So, step in early to help your kids succeed, instead of letting their regrets become yours. [Five pitfalls that can trip up your family's charitable giving]( It's easy to make mistakes with something as complex as charitable giving. Knowing what to watch for can help a family keep their philanthropy on track. 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