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Market Commentary – 11/19/18

Keep your eyes on the horizon. Motion sickness happens when your body receives conflicting signals from your eyes, ears, and other body parts. One way to manage the anxiety and queasiness that accompany the condition is by keeping your eyes on the horizon. The motion of the stock markets has been causing some investors to… Read More

Avoiding the 10% Tax Penalty

As a retirement account owner, you’ve probably been warned about the 10% early distribution penalty that applies to taxable distributions made before age 59½. But did you know that if for some reason you need to access your money early, there are exceptions to this rule? Expenses such as medical bills, buying your first home,… Read More

Market Commentary – 11/13/18

How are you feeling about financial markets? Some votes are still being counted but investors appear to be happy with the outcome of mid-term elections. Major U.S. stock indices in the United States moved higher last week, and the American Association of Individual Investors (AAII) Sentiment Survey reported: “Optimism among individual investors about the short-term… Read More

End-of-Year Checklist

End-of-Year Checklist With the holiday season upon us, your to-do list might seem endless. In the midst of preparing for all of the festivities, have you taken the time to review your end-of-year financial checklist? Though it may be difficult to find time to squeeze this in, it is important to consider whether there are… Read More

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Market Commentary – 11/5/18

Stocks recovered some ground last week and then stumbled over unemployment. Major U.S. stock indices faltered Friday after the Bureau of Labor Statistics (BLS) reported on a popular ‘lagging’ economic indicator – unemployment. (Remember, lagging indicators describe what has happened in the past.) The BLS reported:1, 2, 3 “The unemployment rate remained at 3.7 percent… Read More

Using IRAs to Help Children in 5 Easy Steps

Did you know there is no minimum age for having an IRA? As long as your child has earned income, you can open an account in their name. Whether they contribute to the IRA with their own money from working or a gift from you, the power of compound interest can help them get a… Read More

Market Commentary – 10/29/18

Why did the stock market fall when the economy is doing well? The answer is that one reflects the past and the other anticipates the future. Last Friday’s advance estimate from the Bureau of Economic Analysis showed the U.S. economy grew 3.5 percent during the third quarter of 2018. Harriet Torry of The Wall Street… Read More

The Power of NUA in Numbers

Do you own company stock in your employer-sponsored retirement plan that you’re looking to roll over to an IRA? Before you make any moves, there may be a tax break available to you that could save you a significant amount of money: the Net Unrealized Appreciation (NUA) tax break. Completing an in-kind distribution (as opposed… Read More

Market Commentary – 10/22/18

The world remains full of opportunities and challenges. Although we’ve seen global markets moving in tandem in recent years, Sara Potter of FactSet pointed out, “…we’re starting to see the end of the synchronized global growth that has prevailed over the last two years. While the U.S. economy remains strong, growth in Europe and Japan… Read More

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4 Requirements of a See-Through Trust

Are you looking to have control over your IRA assets after they’ve been passed along to your beneficiaries? You’ve worked hard to build your nest egg, and you want to ensure that your assets are utilized in the best way possible—but how? A see-through trust is a trust that is treated as the beneficiary of… Read More