The Norman Transcript

Business

December 15, 2013

Financial gifts are creative, practical

(Continued)

NORMAN —

· Retirement options. U.S. savings bonds, Certificates of Deposit and IRAs are all great gifts that can help jump-start or supplement a loved one’s retirement account. For those whose retirement is far in the distance, these tools can help get them in the mindset of saving for retirement. For loved ones who are on the cusp of retirement, each of these options can help supplement their savings and help them reach their retirement savings goals.

· Emergency fund. What better gift can you give than financial security in case of an emergency? Helping a loved one get started on an emergency fund of three to six months’ worth of income can help stave off a potentially huge financial blow. Individuals can give up to $13,000 before incurring Oklahoma’s gift tax.

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