2016 Wrap Up for the Holidays


  The year in brief. Investors will likely remember 2016 as a year of two momentous votes and one monetary policy decision. This year brought the Brexit referendum in the United Kingdom and a surprise presidential election victory for Donald Trump, and it now appears probable that the Federal Reserve will raise interest rates in [...]

2016 Wrap Up for the Holidays2016-12-20T12:23:54+00:00

What to Do Financially When a Spouse Dies


Steps to see that financial matters remain in good order. When a spouse passes away, the emotion and magnitude of the loss can send our lives reeling. This profound change can also affect our finances. All at once, we have a to-do list before us, and the responsibility of it can make us feel pressured. [...]

What to Do Financially When a Spouse Dies2016-11-02T14:20:17+00:00

Updating Your Estate Plan


  When should you review it? What should you review?       An estate plan has three objectives. The first goal is to preserve your accumulated wealth. The second goal is to express who will receive your assets after your death. The third goal is to state who will make medical and financial decisions [...]

Updating Your Estate Plan2016-09-14T13:57:25+00:00

Tell Your Beneficiaries About Your Accounts and Policies


Let them know how they will receive retirement assets and insurance benefits. Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die?   If you have a proper will or estate plan in place, you will likely answer “yes” to both of [...]

Tell Your Beneficiaries About Your Accounts and Policies2016-05-11T13:28:37+00:00

Consider an IRA Charitable Rollover


If you want a tax break and want to help a non-profit, this may be a good move.   Have you ever wanted to make a major charitable gift? Would you like a significant federal tax break in acknowledgment of that gift? If so, an IRA charitable rollover may be a good financial step to [...]

Consider an IRA Charitable Rollover2016-04-19T17:30:10+00:00

Retirement Now vs. Retirement Then


Today’s retirees must be more self-reliant than their predecessors. Decades ago, retirement was fairly predictable: Social Security and a pension provided much of your income, you moved to the Sun Belt, played tennis or golf, and you lived to age 70 or 75. To varying degrees, this was the American retirement experience during the last [...]

Retirement Now vs. Retirement Then2016-03-18T09:53:50+00:00

Reducing the Risk of Outliving Your Money


  What steps might help you sustain and grow your retirement savings?   “What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers.  Retirees and pre-retirees alike share this anxiety. In a 2014 Wells Fargo/Gallup survey of more than 1,000 investors, 46% [...]

Reducing the Risk of Outliving Your Money2016-03-11T20:29:21+00:00

Should You File Jointly, Or Not?


For many married couples, filing jointly is a good idea, but there are exceptions.   Ninety-five percent of married couples file joint federal tax returns. Filing jointly can be convenient. Frequently, there’s a financial advantage, but that does not mean it should be done without consideration.1 Years ago, there was less incentive to file jointly. [...]

Should You File Jointly, Or Not?2016-02-19T13:24:23+00:00

Holiday Wrap-Up – 2015


A look back at 2015 thus far The year in brief. While the S&P 500 surprised to the upside in 2014 versus the projections of many analysts, it has performed below expectations so far in 2015. As this year began, not many Wall Street pros thought the index would tread water. The consensus forecast among [...]

Holiday Wrap-Up – 20152015-12-21T14:21:20+00:00

Your Year-End Financial Checklist


Seven aspects of your financial life to review as the year draws to a close. The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year [...]

Your Year-End Financial Checklist2015-11-19T11:20:18+00:00
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