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Straight answers
to your money questions

Every issue, Frank Kestler of RoseMark Advisors answers a real member’s money question in plain English, with no sales pitch. Read the latest column, run your own numbers, or ask Frank something yourself.

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Frank’s latest column

How Long Will You Live? Take Our 2-Minute Quiz

Frank Kestler, RoseMark Advisors From AMAC Magazine 1-minute read

“Curious how long you'll live? AMAC's free 2-minute quiz uses Social Security data to estimate your life expectancy. Answer 14 questions and find out.”

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Have you ever wondered how many years you might have ahead of you? Your health, lifestyle, and family history can all influence your life expectancy—and the answer may surprise you!

AMAC's free Life Expectancy Calculator uses Social Security Administration data and health research to provide a personalized estimate based on your answers to just 14 simple questions.

It takes only two minutes, and your results may offer valuable insights into your health, lifestyle, and retirement planning.

Curious about your number?

Try AMAC's Free Life Expectancy Calculator Now!

Frankly Financial is provided for general educational purposes and is not individualized investment, tax, or legal advice. Consult a qualified professional about your own situation.

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Money tools

Run your own numbers

Two quick estimates: what your funds may be costing you in taxes, and what you must take out of your IRA this year.

What are your funds costing you in taxes?

Estimate the yearly tax on mutual fund distributions, even in years you don’t sell.

$10K$5M
How much do your funds pay out each year?

Not sure? Add up the dividends and capital gain distributions on last year’s 1099-DIV, then divide by your account value.

Your combined tax rate (federal + state)
Estimated tax this year
$7,000

on about $25,000 of distributions, without selling a single share.

Over 10 years at this pace$70,000
If the portfolio paid out just 1% a year$14,000

Want someone to look at your actual 1099s and options?

Book a free review

Illustration only. Assumes the account value and payout stay level and every distribution is taxed at the rate you chose; real results depend on qualified vs. ordinary dividends, short- vs. long-term gains, and your full tax picture. The 1% line is a hypothetical comparison, not a projection for any specific fund or ETF. Not tax advice.

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Ask Frank a question

Got a money question that’s been nagging you? Send it in. Your question could be featured in a future Frankly Financial column in AMAC Magazine.

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RoseMarkinquiry@amac.us

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A RoseMark Advisors financial advisor may follow up with you by email about your question. Frank can't answer every question in the column, but every one is read.

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Book a free consultation with a RoseMark advisor

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Frankly Financial is provided for general educational purposes and is not individualized investment, tax, or legal advice. Consult a qualified professional about your own situation.

The archive

Earlier Frankly Financial columns

Past questions from members, answered by Frank.

Your 401(k) Got You to Retirement. What Comes Next?

Frank, I’m retiring at the end of the year and have spent decades building my 401(k). What should I do with it? Should I roll it into an IRA?

Read column

The Tax Bill You Never Saw Coming

Frank, I didn't sell any of the mutual funds in my taxable investment account last year, so why am I paying taxes?

Read column

“I’m in Great Health; Why Would I Need Long-Term Care Planning?”

Frank, I take care of myself; why would I ever need long-term care?

Read column

IRA Distribution Planning: Should You Wait for RMDs?

Frank, I am 65 and retired. When do I have to start taking required minimum distributions (RMDs) from my IRA—and should I just wait until then to start drawing money out?

Read column

Lifestyle vs. Legacy Assets: Spending with Intention in Retirement

How do I know which of my assets to spend first in retirement, and which are better to leave to my children?

Read column

Do I Really Need Long-Term Care Planning?

Many retirees mistakenly assume Medicare or Medicaid will cover long-term care. Discover smarter, tax-efficient strategies to protect your retirement.

Read column

The Hidden Advantages of Working with a Wealth Planner

Are your investments missing something? Discover how a comprehensive wealth planner can uncover tax-saving strategies that don’t show up on your statement.

Read column

Is Uncle Sam Taking More Than His Fair Share? How to Keep Your Retirement Savings Out of the IRS’s Hands

I’ve worked hard, saved diligently, and played by the rules! Now that it’s time to enjoy my retirement, I fear I’m handing over too much of my money to Uncle Sam. How can I withdraw my savings without getting slammed with taxes?

Read column
Frank Kestler
Meet your columnist

Frank Kestler

Financial Advisor, RoseMark Advisors

Frank answers AMAC members’ money questions in Frankly Financial, a column in AMAC Magazine.

Ask Frank a question

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