Broker Check

Blog

Our blog is full of articles, newsletters, and firm news releases.

 

Tuesday, October 16, 2018

When saving for retirement, you aren’t limited to traditional accounts. There are several less common retirement savings accounts worthy of your attention. Here are five of them and the benefits that they bring.

 

Tuesday, October 9, 2018

As part of your preparation for retirement, give these financial matters some thought. Enjoy the here and now, but recognize the potential for these challenges to impact your financial future.

 

Tuesday, October 2, 2018

You need not wait for the new year to plan improvements to your finances. You can begin now. The last few months of the year give you a prime time to examine critical areas of your budget, your credit, and your investments.

 

Tuesday, September 25, 2018

If you have a child or grandchild earning some income with a summer or after school job, you could help them save for future goals by assisting them to create and fund a Roth IRA. This could give them a chance at a great financial start.

 

Tuesday, September 18, 2018

A car is a big purchase. It’s worth taking your time and making sure that you’ve covered your bases in terms of making the most responsible purchase. There are many options for saving money by avoiding spending too much on your next car.

 

Show All

Tuesday, September 11, 2018

This year, lawmakers are addressing the problem of Americans not saving enough for retirement, with a bill proposing big changes to IRAs and workplace retirement plans called The Retirement Enhancement and Savings Act (RESA).

 

Tuesday, September 4, 2018

An HSA can potentially offer them: a pool of tax-exempt dollars for health care, a path to tax savings, even a possible source of retirement income after age 65. You may want to look at this option yourself.

 

Tuesday, August 28, 2018

Sometimes liars, scammers, and fraudsters try to pitch any number of too-good-to-be-true “investment opportunities” to retirees. You have good reason to be financially skeptical as you get older.

 

Tuesday, August 21, 2018

We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it?

 

Tuesday, August 14, 2018

What's Inside: LPL Research Midyear Outlook 2018: The Plot Thickens Financial Independence: Standing on your own two cents Continuous Improvement and Event Announcements

 

Tuesday, August 14, 2018

As you read or hear stories about seniors being financially exploited, you may think: not me. Your parents? Same thing. They are too smart and too vigilant to be taken for a ride by a con artist or an unprincipled relative or caretaker.

 

Tuesday, August 7, 2018

Can a child inherit an IRA? The answer is yes, though they cannot legally own the IRA and its invested assets. It can get complicated.

 

Tuesday, July 31, 2018

Investment firms have a new client service requirement. They must now ask you if you want to provide the name and information of a trusted contact. This vital investment account question should be answered sooner rather than later.

 

Tuesday, July 24, 2018

There are incidents that standard policies may not cover. Fundamental insurance coverage is often far ranging, but some risks to your business, your home, your cars, and your income may need to be addressed with supplemental coverage.

 

Tuesday, July 17, 2018

How much does eldercare cost, and how do you arrange it when it is needed? In reality, government programs do not help the average household pay for any sustained eldercare expenses. The financial responsibility largely falls on you.

 

Tuesday, July 10, 2018

Is student loan debt weighing on the economy? Probably. Total student loan debt in America is now around $1.5 trillion, having tripled since 2008. If you carry sizable education debt, how can you plan to pay it off?

 

Tuesday, July 3, 2018

When we buy a car or a house, consider a school for our children, or plan our next vacation we take our time, shop around, and consider our choices. Yet when it comes to selecting a financial consultant, not everyone takes such care.

 

Tuesday, June 26, 2018

Breaking down the basics of Medicare and what each part covers can get confusing. Whether your 65th birthday is on the horizon or decades away, you should understand all the parts of Medicare – what they cover and where they come from.

 

Tuesday, June 19, 2018

The biggest weakness is not having a plan at all. How many households save for retirement with a number in mind – the dollar figure their retirement fund needs to meet? How many approach their retirements with an idea of the income they wil

 

Tuesday, June 12, 2018

As people establish themselves as doctors and lawyers, executives, and successful entrepreneurs, they see living well as a reward. It can happen to successful individuals of any age. How do you guard against it?

 

Tuesday, June 5, 2018

What are the keys in planning to grow wealthy together? At some point, you will have to ask yourselves some money questions – questions that pertain not only to your shared finances, but also to your individual finances.

 

Tuesday, May 29, 2018

As you approach retirement, it may be time to pay more attention to investment risk. Rebalancing your portfolio with your time horizon in mind is only practical. “Playing defense” with your invested assets should be a priority.

 

Tuesday, May 29, 2018

There are hundreds of “experts” sharing their advice on what’s best and how to achieve your goals of being healthy. While all of these options are great, it is a known fact that information overload can lead to decision paralysis.

 

Tuesday, May 22, 2018

Are you about to buy life insurance? Shop carefully. Take your time when you look for life insurance, and compare your options. The more insight you can draw on, the more informed the choice you may make.

 

Tuesday, May 15, 2018

What are the potential benefits and drawbacks of a Roth IRA conversion? If you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all.

 

Monday, May 14, 2018

What's Inside: The Major 2018 Federal Tax Changes Doing Good for Other is Good For Your Health WATB Happenings: Community Involvement Get To Know Us: WATB Favorite Charities

 

Tuesday, May 8, 2018

We are witnessing a great movement away from what was the norm to a new paradigm. An advisor paid mostly or wholly through fees may be an advisor well positioned to create candid, trusted relationships with loyal clients for years to come.

 

Tuesday, May 1, 2018

The Tax Cuts and Jobs Act made dramatic changes to federal tax law. It is worth reviewing some of these changes as 2019 approaches and households and businesses refine their income tax strategies.

 

Tuesday, April 24, 2018

The big picture of personal financial recordkeeping has not changed much. It is still wise to keep records pertaining to financial, health care, insurance, and real estate matters for at least a few years, and perhaps much longer.

 

Tuesday, April 17, 2018

Although your retirement benefits may be taxed, more retirement income is decidedly better than less – and a key part of retirement planning is estimating both your retirement income need and your retirement income potential.

 

Tuesday, April 10, 2018

Living without an emergency fund can invite worry. It is an anxiety too many households have had to accept. Plan to save a little each month (or more than a little, if you can manage), so that you may create a bit more financial “breathing

 

Tuesday, April 3, 2018

Your beneficiary choices may seem obvious when you initially make them, time has a way of altering things. In a stretch of five or ten years, some major changes can occur in your life and may warrant changes in your decisions.

 

Tuesday, March 27, 2018

What kind of retirement do you think you’ll have? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? Your outlook may influence your financial outcome.

 

Tuesday, March 20, 2018

With a clear understanding of where she stands, financially, a widow may evaluate her investment and wealth management options and take steps toward the next phase of life with some confidence.

 

Tuesday, March 13, 2018

Any early retirement is a critical financial juncture in your life, and whether you find yourself at it by choice or by chance, your decisions could have lifelong impact.

 

Tuesday, March 6, 2018

If you have a 529 college savings plan, or have ever thought about opening one, you should know about two major changes that broaden the possibilities for these education savings accounts. They may give your family some new options.

 

Monday, February 26, 2018

Firm Update Helpful Resources 2018 IRA Tax Limits Important Tax Information Technology Safety WATB Happenings Meet Emily Gonzalez View the Full Newsletter PDF Here

 

Tuesday, February 20, 2018

You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Avoid the money pitfalls of past generations and take these financial lessons to heart.

 

Tuesday, February 20, 2018

The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning strategies. Here is a closer look at the trade-off you make when you open and contribute to a Roth.

 

Monday, February 12, 2018

You Will Probably Pay More for Medicare in 2018. Was your monthly Medicare Part B premium less than $110 in 2017? This year, you may pay considerably more for the same coverage. If you have been shielded from higher Part B premiums, that sh

 

Tuesday, February 6, 2018

Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior.

 

Tuesday, January 30, 2018

Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savings to generate the kind of retirement income you prefer.

 

Tuesday, January 23, 2018

Is a permanent life insurance policy an investment? One financial professional might answer that question with a “no,” another might say “in a sense, yes.” Just as some people see a home as an investment, others do not. Opinions differ.

 

Tuesday, January 16, 2018

Should We Reconsider What “Retirement” Means? The notion that we separate from work in our sixties may have to go. Our definition of “retirement” is changing. Retirement is now a time of activity and opportunity.

 

Tuesday, January 9, 2018

Some of us may retire at 65 and live to 100 or 105. Advances in health care may make this a strong possibility. The corresponding question is: will we outlive our money? More people are spending more of their lives in retirement.

 

Tuesday, January 2, 2018

Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do, sometimes leave their heirs out of the conversation.

 

Tuesday, December 26, 2017

In a wealth transfer strategy (as opposed to a basic, generic estate plan), you share your values and goals in addition to your assets.

 

Tuesday, December 19, 2017

You will able to put a little more into your workplace retirement account in 2018. The federal government raised the annual contribution limit on some of the popular qualified retirement plans thanks to inflation.

 

Tuesday, December 12, 2017

Will the current bull market run for another year? How about another two or three years? Stocks will correct at some point. A bear market could even emerge. Is your investment portfolio ready for either kind of event?

 

Tuesday, December 5, 2017

What financial, business, or life priorities do you need to address for 2018? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives for the upcoming year.

 

Tuesday, November 28, 2017

A successful retirement is not merely measured in financial terms. Even those who retire with small fortunes can face boredom or depression and the fear of drawing down their savings too fast.

 

Tuesday, November 21, 2017

These investments let you own real estate without having to be a landlord. By getting into a REIT, you can gain an ownership interest in prime commercial real estate, without the headaches of commercial real estate management.

 

Tuesday, November 14, 2017

If you have children, at some point they may discern how wealthy you are – and in turn, learn how “rich” they are. How will you handle that moment? How will they handle that knowledge?

 

Thursday, November 9, 2017

The art of being productive vs. busy. A recent survey showed that the average woman typically completes 26 tasks each day. Even with this huge number of things accomplished, 80% of these women still don’t think they’re good...

 

Tuesday, November 7, 2017

Parenting presents you with definite, sudden, financial needs to address. By focusing on those needs today, you may give yourself a head start on meeting some crucial family financial objectives tomorrow.

 

Tuesday, October 31, 2017

Practically speaking, the federal gift tax is a tax on estates. If it wasn’t in place, the rich could simply give away the bulk of their money or property, while living, to spare their heirs from inheritance taxes.

 

Tuesday, October 17, 2017

Do you want a simple retirement plan you can implement easily as an independent contractor or small business owner? A SIMPLE IRA plan gives you a tax break, while giving you and your employees a way to build retirement savings.

 

Tuesday, October 10, 2017

Debit card data theft has surged lately. According to FICO’s Card Alert Service, the number of businesses or ATM locations where debit cards were hacked rose 26% from 2015 to 2016.

 

Tuesday, October 3, 2017

Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first.

 

Tuesday, September 26, 2017

You might be surprised how many people have financial documents scattered all over the house. If this describes your financial “filing system,” you may have a tough time keeping tabs on your financial life.

 

Tuesday, September 26, 2017

Ever hear of an SDBA? That acronym stands for self-directed brokerage account. If you are enrolled in a 401(k), 403(b), or 457 plan, you might want to see if your plan gives you this option, which is often unnoticed.

 

Tuesday, September 19, 2017

What do your retirement plan participants wish you would offer? The answer could be “a little more help.” When workers have money issues in their lives, both their health and performance may suffer.

 

Tuesday, September 12, 2017

Identity theft hit 15.4 million Americans last year. Perhaps it hit you. You know you have been victimized when you get that courtesy call or email from a bank or credit card issuer, but is there a way you can tell prior to that moment?

 

Friday, September 8, 2017

Due to the impending arrival of Hurricane Irma our office will be closing today at 1:00 pm and remain closed on Monday, September 11th. We hope to re-open the office on Tuesday, September 12th. Please take the necessary precautions and...

 

Tuesday, September 5, 2017

Key Medicare enrollment periods are approaching for 2017-2018. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage.

 

Tuesday, August 29, 2017

Are you one of those baby boomers (or Gen Xers) who believes he or she can work past 65? Some pre-retirees are basing their entire retirement transition on that belief, and that could be financially perilous.

 

Tuesday, August 22, 2017

Some young adults manage to acquire a fair amount of financial literacy. In the classroom or the workplace, they learn a great deal about financial principles. Others lack such knowledge and learn money lessons by paying.

 

Tuesday, August 15, 2017

Financially, Generation Y is often criticized for being risk averse & unaware. Is this truth, or is it fiction? In some instances, pure fiction. Here are some good financial habits common to millennials.

 

Tuesday, August 8, 2017

How much will your family end up paying for college? Your household’s income may have less influence than you think – and some private colleges may be cheaper than you assume.

 

Tuesday, August 1, 2017

Highlights Mid Year Outlook Go Green | Analyze Your Energy Consumption DOL Fiduciary Rule | And what it means for the investor Back To School View the Full Newsletter PDF Here

 

Tuesday, July 25, 2017

Many investors wind up buying shares of companies whose beliefs and business practices are far removed from their own. Often, they simply haven’t thought about merging their personal beliefs with their investment strategies.

 

Tuesday, July 18, 2017

If you don’t leave behind an estate plan, your family could face major legal issues and (possibly) bitter disputes; making the plan may leave you with the comfort of knowing that your wishes will be carried out, when the time comes.

 

Thursday, July 6, 2017

Retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that spouses and partners can share.

 

Monday, July 3, 2017

They are low, unless you show the I.R.S. some conspicuous “red flags” on your return. Fewer than 1% of Americans have their federal taxes audited. The percentage has declined recently due to Internal Revenue Service budget...

 

Thursday, June 29, 2017

As an investor, a retirement saver, how much will this turmoil matter to you in the long run? Perhaps, very little. There are many good reasons to remain on plan.

 

Tuesday, June 27, 2017

A good financial strategy is not just about “making money;” it is also about protection. Some people mistake investing for financial planning. Their “financial strategy” is an investing strategy, in which they...

 

Tuesday, June 13, 2017

When should you apply for benefits? Consider a few factors first. Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to...

 

Tuesday, June 6, 2017

Do you really want to risk facing these potential outcomes? Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any...

 

Wednesday, May 24, 2017

Highlights GET TO KNOW US: WHAT IS YOUR FAVORITE VACATION SPOT?

 

Monday, May 15, 2017

There is something about the month of May that really is beautiful. The fact that it is the month where we get to celebrate not only being a mother, and our own mothers, but also any other important woman in our life. May truly just...

 

Thursday, May 11, 2017

Women 35 and younger are often hard-pressed to save money. Student loans may be outstanding; young children may need to be clothed, fed, and cared for; and rent or home loan payments may need to be made. With all of these very real concerns

 

Thursday, May 11, 2017

Every now and then, you read an article about a woman past the age of 65 who says she loves her job and will “never retire.” In addition to keeping herself engaged and active, she may be doing herself a great financial favor as well.

 

Monday, May 1, 2017

Do you really want to live without this coverage? If you forgo it, you may pay a high price. Disability insurance is an important insurance coverage that most people lack. Many people think of it as optional – when they think of...

 

Monday, May 1, 2017

How separate (or intertwined) should your financial lives be? Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial...

 

Monday, May 1, 2017

Keep an eye on where it goes, as some destinations may be better than others. You can probably envision how most of your retirement money will be spent. Much of it will be used on living expenses, health care expenses, and, perhaps,...

 

Monday, May 1, 2017

The basics on capital gains & deductions. Buying or selling income property has definite tax consequences. A taxpayer should clearly understand them, whether he or she intends to acquire a property or put one on the market. A sale of...

 

Monday, May 1, 2017

Certain kinds of coverage may help to sustain you financially in an emergency. You plan for retirement with expectations in mind. You hope to enjoy a certain quality of life, with sufficient income resulting from smart financial...

 

Tuesday, April 18, 2017

Every day, people die intestate. In legalese, that means without a will. This opens the door for the courts to decide what happens with their estates. When no valid will exists, state intestacy laws dictate how assets are distributed....

 

Tuesday, April 11, 2017

Critical illness insurance isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives.

 

Tuesday, April 4, 2017

Too many people do too little estate planning. Avoid joining their ranks, and plan thoroughly to avoid these all-too-frequent mistakes.

 

Friday, March 31, 2017

On March 15, the Federal Reserve raised the benchmark interest rate by a quarter-point to a range of 0.75-1.00%. The increase was widely expected, and it represented a vote of confidence in the economy.

 

Monday, March 20, 2017

Health Savings Accounts offer you tax breaks & more.Why do people open up Health Savings Accounts in conjunction with high-deductible health insurance plans? Well, here are some of the compelling reasons why younger, healthier...

 

Monday, March 6, 2017

Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance.During a particular market climate, one of these two methods may be widely praised, while the...

 

Monday, February 27, 2017

About 70% of taxpayers receive sizable refunds from the Internal Revenue Service. Just how sizable? The average refund totals about $2,800.(1)What do households do with that money? It varies. Last year, consumer financial services...

 

Monday, February 13, 2017

Homeowner policies routinely provide tornado, windstorm, & hailstorm coverage. If a tornado, windstorm, or hailstorm damages your home or yard, the insurer will commonly pay out in response to your claim, unless your residence has...

 

Monday, February 6, 2017

The 2017 limits are the same as in 2016: $5,500 for IRA owners who will be 49 and younger this year, $6,500 for IRA owners who will be 50 or older this year. These limits apply to both Roth and traditional IRAs.The 2017 limits are the...

 

Thursday, February 2, 2017

There are many ways that you can stay heart healthy, and they don’t all have to be about counting calories and exercising for hours. You can keep things simple, make small changes, and have a large impact on your heart health, all...

 

Wednesday, February 1, 2017

Heart Month was created by the Center for Disease Control to bring awareness to the leading cause of death for men and women in the United States. Heart disease isn’t just one disease, but several different diseases that all fall under...

 

Thursday, January 19, 2017

Hackers are now using ransomware to hijack computers and hold files hostage in exchange for payment. Malware programs like CryptoWall, CryptoLocker and CoinVault spring into action when you unsuspectingly click on a link in an email,...

 

Tuesday, January 17, 2017

Social media and email accounts. Creative works, photos and keepsakes kept on home computers, the cloud or external storage drives. E-commerce accounts. Domain names. Bitcoin. These are all examples of digital assets. You will manage...

 

Friday, January 13, 2017

According to data compiled by Norton, cybercrime hits over 74 million Americans annually. You know you have been victimized when you get that courtesy call or email from a bank or credit card issuer - but is there a way you can tell...

 

Tuesday, January 10, 2017

Mention “bitcoin” to assorted economists or investors, and you may trigger all kinds of associations. To some, it signifies an exciting new reality – a digital currency with a payment system that could revolutionize finance. To others,...

 

Thursday, November 17, 2016

How many short-term financial decisions do you make each week? You probably make more than a few, and they may feel routine. Yet in managing these day-to-day issues, you may be drawn away from making the long-term money decisions that...

 

Friday, November 4, 2016

This article is intended as a checklist to address in the event of a tragedy. If you find yourself referring to this article now, or you decide to keep it in a drawer or on your computer for some unforeseen time in the future.

 

Thursday, November 3, 2016

Retirement spending should never be treated casually. A spending strategy may play a crucial role in preserving a retired household’s quality of life.

 

Wednesday, November 2, 2016

The key argument for going Roth can be summed up in a sentence: Paying taxes on retirement contributions today is better than paying taxes on retirement savings tomorrow.

 

Tuesday, November 1, 2016

These common and obscure paths toward tax-free retirement income may be worth exploring. Who knows? Perhaps, this year, your retirement will be less taxing than you think.

 

Thursday, October 13, 2016

Increased mobility in today’s society has changed the ways in which we live, work, and play. Compared to previous generations, it is now quite common for work and recreational activities to cross state lines, resulting in ownership of...

 

Sunday, October 2, 2016

The year following an individual’s 70 ½ birthday they are required to distribute a minimum amount of their IRAs. Often times they may not need this distribution and it can increase their Adjusted Gross Income.

 

Saturday, October 1, 2016

You’ve seen the footage on the news. You’ve been in the middle of it. You’ve stood in the vexing lines. You’ve circled for the elusive parking spots. Holiday shopping can be downright frenzied – and impulsive.

 

Thursday, September 29, 2016

Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits.

 

Thursday, September 22, 2016

If you want a tax break and want to help a non-profit, this may be a good move. Have you ever wanted to make a major charitable gift? Would you like a significant federal tax break in acknowledgment of that gift? If so, an IRA...

 

Tuesday, September 20, 2016

The holidays are here! For some, that gives warm and fuzzy thoughts of a fat man in a red suit and delicious family dinners. For others, it instills feelings of stress and panic. Pair this with the already colder weather and shorter...

 

Monday, July 11, 2016

As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of...

 

Friday, July 1, 2016

Many parents may find it uncomfortable, or even believe it is unnecessary, to inform their children about personal finance matters. Yet, communicating openly with your family members can help to reassure them about your financial and...

 

Thursday, June 30, 2016

Taking the steps to designate your durable power of attorney can help ensure that your financial decisions will be handled by someone you trust, in the event that you are unable to do so.

 

Monday, June 27, 2016

You have an “estate”. It doesn’t matter if you own a mansion or a motor home. Rich or poor, when you die you leave behind an estate. For some, this could be real property, an investment portfolio and more. For others, it could be as...

 

Sunday, June 12, 2016

Create a will if you do not yet have one. A valid will may save your heirs from some expensive headaches linked to probate and ambiguity. A solid will drafted with the guidance of an estate planning attorney will likely cost you a bit...

 

Thursday, June 9, 2016

Life insurance is an important feature of many business arrangements. While most business owners are familiar with providing life insurance as an employee benefit, many may not fully appreciate the variety of other business uses that...

 

Friday, June 3, 2016

There are many factors and calculations that must be taken into consideration in order to objectively assess your needs. Therefore, it is important to consult with a qualified insurance professional to help ensure you secure the right...

 

Monday, May 23, 2016

​In the language of life insurance, a beneficiary is the recipient of the proceeds of a policy when the named insured person dies. The owner of a life insurance policy has a great deal of flexibility in naming beneficiaries and can...

 

Monday, May 9, 2016

Good habits developed now can go a long way toward helping you achieve your financial goals. For specific guidance, contact your financial professional.

 

Monday, May 2, 2016

Financial literacy is the ability to understand how money works in the world: how someone manages to earn or make it, how that person manages it, how he/she invests it (turn it into more), and how that person donates it to help others....

 

Monday, April 11, 2016

It is nice to think that spring is on the horizon. It is a time for renewal, growth, and a chance to bring a new freshness to our lives and businesses. We are enjoying this time of growth and change and hopefully a little sunshine as well.

 

Sunday, April 10, 2016

When you open an individual or joint owned investment you do have options and the title of your property can have consequences in the case of death, divorce, or creditors.

 

Monday, April 4, 2016

Your credit report is an accumulation of information about your bills and loans, your repayment history, your available credit, and your outstanding debts.