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Losing a loved one brings a flood of emotions that can make tasks like managing financial obligations feel overwhelming. This checklist is designed to help you stay organized during this challenging time. Please feel free to share it with others who may need support as well. Remember, you don’t have to navigate this journey alone.…
Required minimum distributions (RMDs) can be quite burdensome. The IRS mandates withdrawals from your retirement accounts, even if you don’t need the funds, potentially pushing you into a higher tax bracket. However, there are strategies to mitigate your RMD tax burden. Withdraw Early from Your IRA Taking larger distributions in the early years of retirement…
Over the past few decades, the investment landscape has been characterized by declining interest rates, low inflation, and globalization. However, this is now changing. Interest rates are at a 23-year high, inflation remains elevated, and globalization is facing headwinds. Additionally, geopolitical tensions have increased. And despite the highest Federal Reserve policy rate in 23 years,…
Market Expectations: Investors are keenly observing the Federal Reserve’s actions amid concerns about rising inflation. Historically, the Fed has responded to inflation by adjusting interest rates, and many anticipate a similar move in 2024. However, the Fed’s decisions are influenced by a range of economic indicators, including employment numbers and GDP growth, not just inflation…
Social Security benefits serve as a critical component of retirement income for millions of Americans. Deciding when to elect these benefits can significantly impact one’s financial well-being in retirement. However, the optimal timing for claiming Social Security isn’t a one-size-fits-all scenario. It depends on various individual circumstances, including financial needs, health status, longevity expectations, and…
Over the past year, equities have shown significant upward momentum, rebounding strongly since the S&P 500 hit a low point in October 2022. This surge has resulted in a remarkable 26% increase in the S&P 500 over the last year, prompting questions about the potential for further growth. Despite concerns of a looming recession in…
We are pleased to bring you the latest update on tax deferral strategies and regulations that may impact your financial planning. In this ever-evolving landscape, staying informed about changes in tax laws is crucial for making informed decisions and optimizing your tax position. Our update aims to provide you with key insights and updates on…
As we enter the new year there are a lot of mixed feelings on where the direction of the economy may go, but one thing we believe is for certain, there is a lot to look forward to. When we look back at 2023, it was an interesting year. We had banks collapse, recession fears,…
The market can fluctuate and make various investment vehicles attractive. Throughout 2023, Money Markets were a haven for cash; they returned greater than 5% while possessing little to no risk (Moody’s Analytics). As an investor, you are trying to find the best possible way to create the highest return on what you own. The current…
The world has changed a lot over the last eighty years. The way we function as a society will continue to change until the end of time. Every year, we have become more and more efficient as people and as a society. We will only continue to become more and more efficient with our time…