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Planning & Investing2018-10-15T18:59:28+00:00

Planning & Investing Articles

Important Tips for Choosing Company Benefits

Oct 23, 2019

It is that time of year when you get to reassess what to select for your company benefits. Here are some things to consider as you make your elections: HSA (Health Savings Account) If you participate in a high deductible health plan, you have the ability to contribute to an…

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Rebalancing: A Portfolio Risk Management Strategy

May 23, 2018

If you work with a financial advisor or have a work retirement plan such as a 401(k) or 403(b), you have probably heard of rebalancing. Rebalancing is the act of selling what performed well and buying the underperforming asset classes to get back to your original target allocation. This assumes…

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Doing Well and Doing Good

May 15, 2018

It is important to us to help you align your investing with your values. The article linked below talks about a strategy we have available to help clients that would like their investments to align with their views on preserving the environment and mitigating adverse climate effects. We also have…

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Incorporating Social Security Benefits with Retirement Planning

May 1, 2018

Determining when to take social security, as well as planning for your future benefit, is such an important part of retirement planning. For each couple or individual, the answer as to when is the best time to take your benefit is different. It may seem like waiting until age 70…

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Sailing with the Tides

May 1, 2018

Consider your financial plan like a long journey away at sea. You’re sure to encounter rough weather conditions and unfamiliar destinations. But if you’re prepared for challenges and meet each decision with your top goals in mind, you have much better odds of getting where you want to go. Distractions…

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Summary 2017 Tax Cuts and Jobs Act Changes

Feb 5, 2018

Most provisions are set to take effect in 2018, but many of those are also set to expire or sunset in 2025. Here’s a summary of what it means for tax rates, deductions, mortgages, and more. 1. Reductions in individual tax rates. The bill retains the current structure of seven individual tax brackets,…

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Top Considerations for Choosing Pension Benefits

Nov 22, 2017

Most people think pensions are extinct, but there are still several companies that offer the benefit to long-time employees. Many people are not sure of the questions to ask or things to consider when choosing the right pension benefit option for them and their family. You typically have the choice…

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10 Least Tax-Friendly States for Retirees 2016

Jul 10, 2017

Retirees have special concerns when evaluating state tax policies. For instance, the mortgage might be paid off, but how bad are the property taxes–and how generous are the property-tax breaks for seniors? Are Social Security benefits taxed? What about other forms of retirement income–including IRAs and pensions? Does the state…

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6 Questions About 529 Plans

Jul 10, 2017

What parents need to know about saving for college   If you’re saving for your child’s higher education, you probably have a lot of questions besides “When did college get so incredibly expensive?” One popular savings tool that might puzzle you the most is the 529 Plan. Started in the…

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Interest Rates and Equity Returns

Jul 8, 2017

What will happen to equity returns if interest rates go up or down? Wei Dai, PhD, examined US market returns and a variety of interest rates and found the empirical relation has been weak and noisy.

Examining Donor-Advised Funds: Making it Easy to Make A Difference

Jun 7, 2017

  Americans donate billions to charity annually. If you give to charity, you need to know about one of the best tools to facilitate generosity: Donor-Advised Funds (DAFs). DAFs date from the 1930s but did not become popular until the 1990s. DAFs act as vehicles for receiving gifts, often of…

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What to Do When Your Term Life Insurance Is Expiring

Oct 13, 2014

Many families are discovering that a 20-year term for a life insurance policy isn’t enough. In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears…

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Helping Your Heirs While Helping Others

Oct 13, 2014

A charitable remainder trust (CRT) can be a highly effective financial and estate planning tool. The CRT can allow you to: avoid capital gains taxes on highly appreciated assets, however when income is distributed to the income beneficiaries it is taxable; receive an income stream based on the full, fair…

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12 Estate Planning Must-Dos

Oct 13, 2014

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for health care and property? These are…

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Planning & Investing Videos

How to Save for College

Oct 14, 2018

It’s never too late to start saving for your child’s college education. This video identifies college funding strategies that can help you afford the high price of higher education.

Irrevocable Life Insurance Trust (ILIT)

Oct 14, 2018

Trusts can help you create and preserve your legacy. In this video, you will learn about Irrevocable Life Insurance Trusts (ILIT) and how they may be of benefit to you and your family.

Wills and Advanced Directives

Oct 13, 2018

Wills help you control how your assets are distributed. Learn how you can provide your family with a financial roadmap in this video.

Trusts

Oct 13, 2018

In this video, you will learn about trusts.