Pre-Retirees & Retirees

The SECURE Act and Your Retirement Savings

December 23, 2019

Last week, President Trump signed legislation containing sweeping changes to the ways Americans will save and plan for retirement. The SECURE Act (Setting Every Community up for Retirement Enhancement Act) puts several provisions in place to strengthen retirement savings strategies. We expect nearly all of our clients to be impacted by this significant legislation and want to inform you of some of its key components. Key Components that Affect Retirement Savings Required Minimum Distributions (RMDs)

Sandwich Generation: Planning for the Aging Loved One

July 1, 2019

A national study of women’s financial needs and preferences identified “being caught in the middle” as the single most significant challenge respondents indicated they would face in the coming years. To help address this burden, the Family Wealth Advisors’ Council created a series of checklists and tools through their Women of Wealth initiative. Checklist Determine who will be the main contact in the family for helping to plan for future aging stages. It is not

A Bird’s Eye View of Social Security

June 21, 2019

Social Security Defined Social Security is a social insurance program administered by the United States federal government to pay benefits to qualified individuals. Social Security retirement benefits are paid monthly, providing income for the life of the retiree. These benefits are calculated based on credits earned per a worker’s wages and can be increased or reduced depending upon the age at which benefits begin. Generally, the longer an individual waits to elect benefits, the greater

A Good Financial Advisor Extends Well Beyond the Portfolio

June 21, 2019

Particularly during challenging times in the market, it can be easy to forget that the end goal of comprehensive planning goes well beyond choosing investments. Investors who keep a critical eye to their portfolio may sometimes overlook other, more subtle indicators along the path to long-term financial success. These contributions are less quantifiable on a quarterly performance statement, but valuable nonetheless. Cost-effective investment implementation: When measured against overall wealth, the costs associated with investments may

Get This Right! 401(k) Beneficiaries

June 19, 2019

Once you meet the eligibility requirements for your employer’s retirement plan, you have the opportunity to start contributing toward your financial future. This milestone also ushers in a number of important decisions. There are exciting choices such as how much to contribute, the selection of pretax or Roth deferrals, and how your money should be invested. There are also more sobering choices such as who should be designated as beneficiary when you pass away. Saving

Where’s my stuff? Digital Assets and your Estate Plan

April 12, 2019

“Honey, where did you put that frequent flyer statement/prescription list/photo from last week’s company picnic – you know… where do you keep our stuff?” It used to be we would answer that question by pointing to a file cabinet, junk drawer, bookcase, or pile of papers: “Look over there.” But thanks to new technology, the answer is no longer that simple. Now, we might just as readily point to our laptops, tablets, or smartphones. Our most

The SECURE Act and Your Retirement Savings

Sandwich Generation: Planning for the Aging Loved One

A Bird’s Eye View of Social Security

A Good Financial Advisor Extends Well Beyond the Portfolio

Get This Right! 401(k) Beneficiaries

Where’s my stuff? Digital Assets and your Estate Plan

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