From Our Pen
Market Summary: November 2023
The Markets (as of market close November 30, 2023) Stocks rose notably in November following three straight months of...
Much Ado About RMDs
With the ever-evolving landscape of financial planning, staying abreast of legislative changes is crucial for anyone...
Empowering the Next Generation: A Quick Guide to Enriching Your Teen with a Roth IRA
As stewards of the next generation's financial well-being, introducing your teen to the benefits of a Roth IRA is a...
The Markets (as of market close October 31, 2023)
The most recent inflation data demonstrated the challenges the Federal Reserve faces in trying to bring down rising prices,...
Retirement Plans for Small Businesses
As a business owner, carefully considering the advantages of establishing an employer-sponsored retirement plan is one of...
Alternative Asset Classes
For the seasoned investor, possessing a unique perspective, navigating the intricate landscape of investment asset classes...
How Taxes Impact Your Retirement-Income Strategy
Not all investors face the same challenges managing their income during their retirement years, however there are some...
Transferring Your Family Business To Your Heirs
As a business owner, someday you're going to have to decide when will be the right time to step out of the family business...
Estate, Gift, and Generation-Skipping Transfer Taxation and Life Insurance (Estate Planning)
Life insurance can provide financial security for your family. However, without proper planning, it’s possible that estate...
Use Your Annuity to Pay for Long-Term Care Insurance
One option that savvy investors rely on to cover Long Term Care premiums is to exchange your annuity contract for a...
Market Insights on Inflation and Interest Rates – August 23
(as of market close August 31, 2023) August proved to be a tough month for stocks, with each of the benchmark indexes...
Reducing The Inevitable Estate Tax
Estate taxes are generally due nine months after the date of death - and they are due in cash. How can you be sure the...
Alternative Financing Options for Selling Your Business
Selling a business is a significant decision that often comes with complex financial considerations. While many business...
Two Key Investment Strategies to Curb the Effects of Inflation
Let’s unravel the intricate relationship between inflation and retirement planning. Inflation, the subtle yet relentless...
Annuities vs IRAs
Annuities are an excellent savings vehicle when you have maxed out the contribution thresholds on your 401k or IRA plan. ...
Income Taxes and Long-Term Care Insurance (LTCI)
While taking a look at the taxation of long-term care insurance (LTCI), several questions arose depending on which side of...
The Effects of Economic Policies on Estate Planning for Retiring Abroad
Estate planning becomes complex if you're of the 8.7 million Americans living abroad (Expats) in more than 160 countries. ...
Caring for Your Aging Parents Amid Inflation
As we age, so do our parents. And as time marches on sometimes the need arises to step up and take care of our aging...
What You Need to Know About Inflation’s Effect on Guaranteed Income
We’re often asked what an annuity guaranteed lifetime withdrawal benefit is. Simply put it’s a rider that is attached to...
Get a Tax Break on Charitable Gifting
Yes, it’s true! Being charitable can actually pay off! But first some ground rules…what exactly constitutes a charitable...
Economic Policies Effect on Long-Term Care Insurance
What exactly is long-term care? In general, it’s the broad range of medical and personal services that provide ongoing care...
Estate Planning for Long Engaged Couples
Today’s millennials are getting married later in life, if at all. In fact, the younger generations are saying “Not Yet”...
Financial Planning for Adopting Parents
Adoption is a wonderful way to share your love by bringing a child into your life. According to Ephesians 1.5 (ESV), “He...
Want to Pay Less in Taxes? You Can if You Choose the Right Investments
Every sound financial strategy includes a strong savings program. But is it possible to save too much? How can too much be...
The Effect of Inflation on Bond Yield Prices
Bonds are a fundamental way to gain profits from both the interest that the bonds pay, and from the increases in the bond’s...
Tax Effects of Donor-Advised Funds
You’ve heard of donor-advised funds (DAF), but may not be fully aware of the rules and tax deductions. Let’s start at the...
Inflation’s Effect on Your Estate Plan
Inflation has hit us all in different ways – at the grocery store, at the gas station and in balance sheets. Everyone has...