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Hello, and welcome to my blog! Here, I will be posting articles and thoughts relevant to the financial industry, retirement, investments, and financial planning, as well as other related topics. I am also willing to answer questions and respond to any concerns you may have. If you'd like to contact me with a question you want me to address, please email me, and I can either answer directly or in this forum.

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Thank you for reading!

 

Tuesday, May 9, 2023

If you have a certificate of deposit (CD) that is maturing soon, it’s time to make a decision. Your CD has been collecting interest for months or years, helping you to get closer to your financial goals. Now you need to decide whether...

 

Wednesday, April 12, 2023

Last month, we reviewed 529 College Savings plans, why people use them, and how the use of funds has expanded over the last few years.This month, we’ll review options for unused savings in order to minimize taxation or penalty on...

 

Thursday, March 23, 2023

Most people have heard of 529 College Savings plans and understand their value in relation to saving money for future higher education for young family member. What some may not know is that the qualifying use of these dollars as well...

 

Wednesday, February 22, 2023

Do you have 529 college savings funds that may go unused by their intended beneficiary? Your first option is to provide the money to another beneficiary. However, if you don’t have an alternate beneficiary to whom you want to transfer...

 

Wednesday, January 25, 2023

In late 2022, the SECURE Act 2.0, a bill three years in the making, was signed into law. While there are several provisions in this bi-partisan-supported bill, we’ll highlight just a few that may be particularly interesting with...

 

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Tuesday, December 20, 2022

As we wrap up another year, let’s look ahead to the first half of 2023. Here is a short list of some important upcoming dates to watch for. January 1stThe first of the year is when cost-of-living increases are effective for Social...

 

Wednesday, November 9, 2022

As we approach the end of another year, a year that has been challenging on many fronts, we thought it would be helpful to provide a list of opportunities that could end 2022 on a positive note.Roth IRA Conversions: When market values...

 

Wednesday, October 26, 2022

The Social Security Administration has announced the Cost of Living Adjustment (COLA) for 2023. Based on the Consumer Price Index (CPI-W) from the third quarter of 2021 through the third quarter of 2022, recipients of Social Security...

 

Tuesday, September 20, 2022

Traffic jams are unwelcome nuisances. Unless we know the cause and what every other driver on the road is going to do at any given time (which is of course impossible), we can’t know the right route to get to our destination quickly...

 

Thursday, August 11, 2022

ESG (Environmental, Social, Governance) investing involves a set of characteristics used to evaluate potential investments, and their impact on society at-large. These factors generally include how a company cares for and impacts the...

 

Wednesday, July 13, 2022

With the significant increase in property values in many areas of the U.S., if you own a home, now may be a good time to review your homeowner’s insurance policy. Why? Well first off, one in twenty insured homes has a claim each year,...

 

Monday, June 13, 2022

If you missed last month’s Digital Assets Part I, take a quick read as to why we should be concerned about this area.As we shared in our last post, Digital Assets can include information stored on an individual’s digital devices...

 

Thursday, May 19, 2022

This is first part of an updated series on Digital Assets, which we hope will be helpful as the things we purchase and memories we store are more and more intertwined with technology.Part I: What is a Digital Asset, and Why Should I...

 

Thursday, April 28, 2022

Legacy can be a subjective, even philosophical topic. What should be handed down to the next generation and how should a person or family be remembered? When it comes to financial legacy, often a critical part of the definition...

 

Monday, March 28, 2022

Once you file your tax return each year, it’s a good idea to start planning for next year’s return. Here are a few things you can look at doing today to help set yourself up for success in tax year 2022. Did you owe more than $1,000 or...

 

Wednesday, February 23, 2022

Depending on your tax situation, your investment and tax advisors may have suggested looking at converting some of your Traditional IRA assets to a Roth IRA. Potential benefits of a Roth conversion include tax-free growth and no...

 

Wednesday, January 26, 2022

As we approach the end of each year, giving is often our minds. However, with close to 90% of US taxpayers now taking the standard deduction on their tax return, is there still also a financial incentive to give to charity? Good news:...

 

Wednesday, January 26, 2022

This is the time of year for festive gatherings and generosity. It’s also the time of year when we get a glimpse of expected financial changes for 2022. Contribution limits for some retirement accounts will be increasing in 2022. We...

 

Tuesday, January 25, 2022

Each January many people reflect on the past year and set new goals for the next 12 months and beyond. When it comes to retirement, a “bucket list” is a common reference to checking off a list of activities in which you want to...