Blog

A Financial Wellness Plan Can Help Pave the Road to Retirement

February 25, 2021
Retirement word written on road in the mountains

If we’ve learned any lesson over the past year, it’s that no matter how carefully we plan and prepare, we’ll likely encounter unexpected hurdles. While a global pandemic has certainly underscored the need to pay close attention to our physical wellness, it has also revealed the need to shore up our financial wellness. According to…

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Key Retirement and Tax Numbers for 2021

January 26, 2021
Close up of businesswomans hand with pen doing some financial calculations

Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts. Here are a few of the key adjustments for 2021. Estate, Gift, and Generation-Skipping Transfer Tax The annual gift tax exclusion (and annual generation-skipping transfer tax exclusion) for 2021 is…

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Sequence Risk: Preparing to Retire in a Down Market

January 26, 2021
senior couple happy tablet computer love together

“You can’t time the market” is an old maxim, but you also might say, “You can’t always time retirement.” Market losses on the front end of retirement could have an outsize effect on the income you receive from your portfolio by reducing the assets available to pursue growth when the market recovers. The risk of…

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Are Value Stocks Poised for a Comeback?

January 26, 2021
Financial and Technical Data Analysis Graph Showing Stock Market Trends

Growth stocks have dominated the market for the last decade, led by tech giants and other fast-growing companies. While it’s possible this trend may continue, some analysts think that value stocks may have strong appeal during the economic recovery.1 No one can predict the market, of course. And past results are never a guarantee of…

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Estate Planning Strategies in a Low-Interest-Rate Environment

January 12, 2021
Wooden blocks with percentage sign and down arrow

The federal government requires the use of certain interest rates (published by the IRS) to value various items used in estate planning, such as an income, annuity, or remainder interest in a trust. The government also has interest rates that a taxpayer may be deemed to use in connection with certain installment sales or intra-family…

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Lessons from the Lockdown: A Back-to-Basics Holiday

November 24, 2020
Happy family having video call before Thanksgiving meal at home.

If there is one thing the COVID-19 stay-at-home orders demonstrated, it was the need to find joy in simple pleasures. In fact, 43% of respondents to one survey said they had “changed their ways for the better” as a result of the lockdown.1 By applying some of the lessons learned from pandemic purgatory to the holiday…

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Five Tips to Regain Your Retirement Savings Focus in 2021

November 24, 2020
Piggy Bank

In early 2020, 61% of U.S. workers surveyed said that retirement planning makes them feel stressed.1 Investor confidence was continually tested as the year wore on, and it’s likely that this percentage rose — perhaps even substantially. If you find yourself among those feeling stressed heading into the new year, these tips may help you focus…

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Sharing Your Money Values Can Be Part of Your Legacy

November 24, 2020
family talking

When it’s time to prepare the next generation for a financial legacy, you might want to bring your family members together to talk about money. But sitting down together isn’t easy, because money is a complicated and emotionally charged topic. Rather than risk conflict, your family may prefer to avoid talking about it altogether. If…

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Year-End 2020 Tax Tips

November 2, 2020
Finger about to press a calculator key with the text taxes.

Here are some things to consider as you weigh potential tax moves before the end of the year. Defer Income to Next Year Consider opportunities to defer income to 2021, particularly if you think you may be in a lower tax bracket then. For example, you may be able to defer a year-end bonus or…

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Seeking Sun or Savings? Explore a Retirement Move

November 2, 2020
Gated community houses with palms, South Florida

Many people intend to retire in the place they call home, where they have established families and friendships. But for others, the end of a career brings the freedom to choose a new lifestyle in a different part of the country — or the opportunity to preserve more wealth and protect it from taxes. This…

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