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When you started out saving for retirement, you may have contributed to an IRA or 401(k) through your employer. In addition, you heard that your contributions were tax-deferred, and you’d have to pay taxes when you reached your 70s. But at the time, you didn’t have to pay income taxes on whatever you contributed, so […]Continue reading
Fall is a season of change. As the weather gets cooler and the leaves on the trees start to change color, it’s a reminder that winter is around the corner. You may be refreshing your winter attire or making plans for the winter season. In the same way you adjust for a new season, you […]Continue reading
Your first line of defense against potential litigation will likely be insurance in the form of an “umbrella policy.” Your financial professional can help with the right coverage but be prepared for a policy that’s at least equal to your new net worth. Getting liability insurance is generally a relatively inexpensive way to avoid […]Continue reading
Annuities can be mysterious. You might even feel like they come with a hidden agenda. However, with proper planning annuities can be an appropriate solution for your portfolio and financial planning. They can offer financial advantages such as guaranteed income or living benefits. Consider these eight reasons annuities annuity strategies relative to your situation and […]Continue reading
There are many benefits of being self-employed, but sometimes it can feel as though there are just as many hindrances. Many owners consider staying abreast of tax laws and changes tedious and frustrating, so partnering with an expert is generally in your best interest. If you’re looking for some positives, consider these deductions to help […]Continue reading
According to the FINRA website: power of attorney is a legal document you sign to grant someone you trust with authority to make decisions on your behalf. You must sign when you’re still mentally competent for your power of attorney to be valid. Planning for the future with a power of attorney could minimize complications […]Continue reading
Many small-to-medium-sized business owners don’t recognize how beneficial a life insurance policy can be to the success of their business. Whole life insurance can help companies break free from traditional bank loans, benefit their employees, and gain tax advantages. In addition, whole life insurance for business owners has an advantage over many other types of insurance: […]Continue reading
“Shirtsleeves to shirtsleeves in three generations.” The saying is true, and the cycle is real. As the expression indicates, after the buying, the building, and the selling, there’s rarely anything left of a family’s wealth for the fourth generation. Multi-generational planning focuses on breaking that cycle by allowing your heirs to have the knowledge […]Continue reading
Many families have plans to give their children and grandchildren financial gifts when they die, but it might make sense to gift earlier. Making financial gifts during your lifetime can significantly impact their lives, sometimes when they need it most. It also provides you with the benefit of seeing your loved ones enjoy your gifts. […]Continue reading
For many, owning a business is the American dream come true, and making management decisions that grow your business brings about well-deserved feelings of accomplishment. Playing devil’s advocate here—did you decide to use any of your cash flow to fund your retirement investments? According to CNBC, 78% of small-business owners plan to sell their […]Continue reading
