It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that offers no immediate tax break, but has other tax advantages, such as tax-free growth potential and tax-free …
7 Reasons a Roth IRA May Be a Good Idea for You or Someone You Love Read More »
2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a generation and the fastest bear market ever,” explained LPL Financial Senior Market Strategist Ryan Detrick. “Now stocks are in the midst …
Life as we know it has changed dramatically during 2020. As the coronavirus spread across the United States, cities and states issued shelter-in-place orders to slow the spread of the coronavirus and prevent healthcare facilities from being overwhelmed by critically ill patients. In May, when states started to reopen, Americans began to return to work …
The S&P 500 Index flirted with closing above 3,000 yesterday, even as much of the economic data is some of the worst we’ve ever seen in our lifetimes. We are often asked how this is possible. The reality is the double backstop of historic fiscal and monetary policy combined with optimism over a potential vaccine …
How many password-protected accounts do you have? If you keep mental inventory, use a password manager, or have a written record of your passwords (which is not recommended by anyone), take a quick count. You’re likely to find you may have some or all of the below types of accounts: Email accounts Online bank accounts …
How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1 During the past 80 years, college has become far more popular. As interest in higher education grew, America’s network of colleges and universities expanded. Oxford …
College is Coming – Have You Started Saving Yet? Read More »
The New Tax Reform Bill Doesn’t Impact Your 2017 Taxes For individuals, the tax reform bill’s purpose is to: Simplify the tax process Preserve the mortgage interest deduction Eliminate Obamacare’s individual mandate penalty tax Increase the standard deduction Provide more support to American families Provide relief for Americans with expensive medical bills Improve savings vehicles …
The 2018 Tax Reform Bill and What’s Important to Know Read More »
Almost every month I speak with a client who told me about a new house they bought, or a 401(k) loan they took or a service they paid for without running it by us. This is a mistake. I cringe when I have to point out there was a more cost efficient money decision that …
PLEASE! Call or email us before you spend $5,000 or more Read More »
Do you like paying taxes? No, of course not. So then having access to an account that will be tax-free1 in retirement sounds awesome —That’s the Roth IRA — But you’re married and your modified adjusted gross income is over $196,000 ($133,000 for singles). The IRS doesn’t allow you to contribute to a Roth IRA. Do …
High Income Earners — You Can Potentially Fund a Roth IRA Read More »
If you have been captivated with the hurricanes pounding the South and Southeast you may have missed the most impactful story to you regarding one of the big three credit bureaus, Equifax. Equifax had an unprecedented data breach that they have stated affected 143 Million Americans. The estimated population is 326 Million Americans — that’s …
Consider Taking These Steps Immediately Regarding the Massive Equifax Data Breach Read More »
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