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Monday, November 18, 2019

401k plans are not helping Americans save enough for retirement. These researchers found four major shortcomings. When reviewing the four outlined observations from the Boston College paper, we see many of these shortcoming can be...

Thursday, November 7, 2019

The IRS just increased the estate and gift tax starting in 2020. Though the TCJA is set to sunset in 2025, everyone should consider what would happen to their money when they are no longer the stewards of it. Regardless of your net...

Wednesday, November 6, 2019

Today, the IRS announced that employees in 401(k) plans will be able to contribute up to $19,500 next year. Also announced that Roth & IRA contributions allowed in 2020 are $6,000. A highlight of the changes: 2019 2020 IRA...

Wednesday, October 30, 2019

Here is perspective of six steps one writer took that many take on a regular basis. Sometime, it helps to hear from others experiences to help make changes in our own lives. By Tara Mastroeni Oct. 19, 2019 When I was younger, money...

Tuesday, October 22, 2019

There are now an estimated 618,000 millennial millionaires in the United States. And things are only likely to get better in the future for these rich millennials. Michael Tedder Oct. 18, 2019 Millennials, as a whole, are notoriously...

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Sunday, October 20, 2019

Working with a professional financial planner can be a huge benefit to the retirement process IF the correct assumptions are used. Megan Gorman Oct. 15, 2019 As Gen Xers reach their 40s and 50s, they are starting to focus more on their...

Friday, October 18, 2019

One day, my wife asked me how much time I spent sitting at my desk “half working.” What is half-working? Carl Richards July 16, 2019 Finding time is hard. I often think about all the things I would do if I could just find...

Friday, October 11, 2019

It’s FAFSA time! As your student prepares for college, they can now fill out a Free Application for Federal Student Aid, or FAFSA, for the upcoming school year. Even if your student won’t require help from the government,...

Tuesday, October 8, 2019

The FAFSA is the single-most important form you need in order to secure financial aid Luckily, with a little preparation, you may be able to make applying for financial aid painless and stress free. Read on to learn more. Preparing for...

Sunday, October 6, 2019

Getting ahead is overrated as a goal. In fact, it might even be just plain stupid. CARL RICHARDS Sept. 17, 2019 Getting ahead is overrated as a goal. In fact, it might even be just plain stupid. The problem with getting ahead is that...

Wednesday, October 2, 2019

Gen Y. The Next Generation of Investors Source: Sprinklebit blog – The Next Generation of Investors This infographic was originally shared on June 5, 2014

Saturday, September 28, 2019

Considering the Qualified Charitable Distribution From the year you turn 70 ½, you will be submit to the Required Minimum Distributions (RMDs) rules. As part of our ongoing services provided to clients, we attempt to assist with...

Friday, September 13, 2019

Mistakes, or penalties, both veteran and rookies can avoid Rob Isbitts Sept. 10, 2019 How to minimize penalties in your portfolio as retirement approaches One thing that NFL rookies will have to get used to during today’s first...

Tuesday, September 10, 2019

Lets talk about saving half of your raise... By David Blanchett Sept. 10, 2019 David Blanchett is the head of retirement research for Morningstar Investment Management. Who doesn’t like getting a raise? While raises are pretty...

Tuesday, August 27, 2019

I’d like to share some unpopular, hard-hitting and real-life gritty advice to the new graduates, their families, and friends. Be forewarned—this is not the squishy, feel-good, save-the-world stuff you hear at endless...

Tuesday, August 27, 2019

California has adopted a state run retirement savings plan, known as “CalSavers”. Starting as soon as next year, California now requires employers who don’t already offer a qualifying employer-sponsored retirement...

Tuesday, August 20, 2019

"The question to ask is, 'can those bad habits be instructive for us? Can we look at why they form so readily and then learn what we can do to design an environment or situation where good habits also form effortlessly?' I think the...

Wednesday, August 7, 2019

The Federal Reserve cut interest rates last Wednesday to 2% By James B. Cutchin Aug. 3, 2019 The Federal Reserve's interest-rate cut Wednesday _ its first since the Great Recession _ is intended to shore up the U.S. economy, and it...

Wednesday, July 24, 2019

Understanding how a stock works is key to understanding your investments.

Tuesday, July 16, 2019

Understanding economic cycles can help put current business conditions in better perspective. What has upswings and downturns, troughs, peaks, and plateaus? Though such terms could easily describe a roller coaster ride, in fact they...

Wednesday, July 10, 2019

Longer, healthier living can put greater stress on retirement assets -- the bucket approach may be one answer. The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and, more lately, to...

Wednesday, June 26, 2019

Here is an infographic showing the The History of Retirement. Right now there may be changes looming that will need to be added to notable history.

Wednesday, June 19, 2019

A brief history of where currency has been and where it is going.

Wednesday, June 12, 2019

Before you purchase your credit score understand that the methodology used to calculate the score you buy is different from that used to determine the credit score lenders receive. The Fair and Accurate Credit Transaction Act of 2003...

Wednesday, May 29, 2019

Jamie Hopkins May 25, 2019 From the outset, 2019 looked like it might be “ The Year Of Retirement Reform ” for Congress. Last year closed out with a number of retirement bills making real headway through DC, committees,...

Monday, May 27, 2019

May 23, 2019 The U.S. retirement system is on the cusp of big changes now that the House of Representatives has passed legislation that would make it easier for employers to offer retirement plans and encourage 401(k)-style plans to...

Wednesday, May 22, 2019

Shaina Mishkin May 22, 2019 The average credit score in America is 680, according to a new Experien report. But whether that number looks familiar or way off could depend on where you live. Your credit score — a record of your...

Tuesday, May 14, 2019

Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits. According to Giving USA 2017, Americans gave an estimated $390.05 billion to charity in 2016. That’s the...

Wednesday, May 1, 2019

Maintaining a healthy lifestyle can help you reduce health-related expenses... and avoid time in the recovery room. People save for a variety of things in retirement. Some dream of vacation homes in tropical destinations, others plan...

Wednesday, April 24, 2019

A quick look at how federal income taxes work. The Internal Revenue Service estimates that taxpayers and businesses spend 8.1 billion hours a year complying with tax-filing requirements. To put this into perspective, if all this work...

Thursday, April 11, 2019

Many Americans are operating their personal finances with only the barest minimum of knowledge. Imagine driving a car without a basic understanding of the rules of the road, or even how to operate it. Scary thought. Yet many Americans...

Wednesday, March 27, 2019

Some taxpayers are feeling a little battle-weary after filing their 2018 returns. People are shellshocked. Either they got less of a refund than they expected, or they've been hit with a surprise tax bill because they didn't adjust...

Wednesday, March 6, 2019

Right now is a good time to start saving for retirement if you want to be able to brag about your millionaire status to your Pickleball partner down the line. Becoming a millionaire is something many people aspire to, but —...

Wednesday, February 20, 2019

Valentines Day spending is hyped as a way to show your love. But one way to truly have a successful, loving relationship is to have frank, regular discussions about your finances. Bare your financial soul to your soul mate. Yet many...

Wednesday, February 13, 2019

Debt is due for a rebrand. So often when we hear about debt in the news, it’s within the context of “bad debt” – households in over their heads with credit card bills and interest payments; students working...

Tuesday, January 29, 2019

By Charles Rotblut Jan. 29, 2019 It’s that time of year when budgets and savings plans--and resolutions to stick to them--abound. Cognitively, I know the importance of saving and can make a strong argument for doing so. But this...

Saturday, January 26, 2019

Jan. 14, 2019 The beginning of the year is a fabulous time to sit down and create a plan to master your money. But, where do you start? And how can you make sure the financial goals you set now don’t get forgotten like all those...

Tuesday, January 15, 2019

International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks. With international stock markets comprising nearly two-thirds of the world’s capitalization, a broad range...

Tuesday, January 8, 2019

Emotional biases can adversely impact financial decision making. Here are few to be mindful of. One of the most well-known investors of the 20th Century, Benjamin Graham, said that “the investor’s chief problem—and...

Wednesday, January 2, 2019

When your child has income, there’s a good chance that he or she will need to report it and pay taxes. As parents, we encourage our children to work so they can learn important values about work and independence. At what point,...

Friday, December 28, 2018

My wife is my best friend. We’ve had more fights about money than I’d care to admit. But we’re still married. And she’s still my best friend. CARL RICHARDS Dec. 18, 2018 I recently sent out an email asking...

Friday, December 7, 2018

Dayana Yochim Nov. 22, 2018 First, a word about girls. (Stop making that face.) When the ladies in your life grow up, they may face certain challenges that, historically speaking, you guys haven’t had to deal with. If...

Monday, November 26, 2018

By Shlomo Benartzi Oct. 24, 2018 Digital devices are potentially damaging your wallet—but not in the way you might think. Smartphones and other gadgets allow us to follow our friends, read the news, watch a football game and...

Wednesday, November 14, 2018

Tip: Fund Flows. In January 2017, investors added $10 billion to mutual funds, a significant shift from the $56 billion they had taken out of mutual funds the month before.Source: Investment Company Institute, 2017 According to Yale...

Tuesday, November 13, 2018

Kristin O'Keeffe Merrick Nov. 13, 2018 When you are a financial advisor, you get slammed in January. Everyone spends the holiday season going over their goals and dreams for the New Year. Getting “financially fit” falls...

Tuesday, November 6, 2018

This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones of a sound financial strategy. Here...

Tuesday, October 30, 2018

How literate are you when it comes to your finances? Brush up with these five basics. Check Here The Five Basics of Financial Literacy

Thursday, October 4, 2018

We've been getting a lot of questions on how the recent Fed rate hike will affect people individually. After stumbling across a recent articles in Reuters, I thought this would be a great addition to share. Now might be a great time...

Thursday, September 27, 2018

Tip: Public Costs. Average in–state tuition and fees for public four-year institutions was $9,970 for the 2017-2018 school year. Out-of-state tuition for these same institutions averaged $25,620.Source: College Board, 2017 It...

Thursday, September 27, 2018

Alix Langone Sept. 27, 2018 What if a slip-up as small as a typo could cost you the chance to get a loan? That may be the future of banking, according to a new study by U.S. and German researchers. Until recently, companies have had a...

Wednesday, September 19, 2018

If you look up “currency” in Merriam-Webster, you will find it defined as “the money that a country uses” and “the quality or state of being used or accepted by many people.” Recent news stories...

Tuesday, September 18, 2018

Business owners who offer a 401(k) have a LEGAL FIDUCIARY RESPONSIBILITY as defined by the Department of Labor. Let us review your 401k and check your personal liability exposure.

Thursday, August 30, 2018

Traveling. Some of us travel a lot, and some of us travel a little. For some of us, traveling is a job. Nearly 63 million people are employed, worldwide, in air travel and related industries.¹ There’s bound to be travel...

Monday, August 27, 2018

The gap between setting goals and achieving them can be difficult to bridge. To enhance the chances of achieving personal goals, reminders and motivation are essential; making a New Year’s resolution is simply not enough. A...

Friday, August 24, 2018

Buying a home is the single largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or variable-interest-rate mortgage. True to its...

Tuesday, August 14, 2018

Learn a little about worldwide currency in this fun infographic Click the picture below, or follow THIS LINK http://www.iwmfinancial.com/resource-center/money/how-big-is-money

Monday, August 13, 2018

Your most valuable asset is your income. Work with a CFP® professional to make the better decisions. Call us today.

Thursday, August 9, 2018

Masha Rumer July 31, 2018 Telecommuters used to get a bad rap, seen as folks who lounge by the pool with a trashy magazine and a margarita on a Tuesday afternoon. But technology is making working from home a viable option for many...

Wednesday, August 1, 2018

A succession plan will help assure business continuity If you’ve built a successful business, you know that having a plan is critical to making it work. By the same token, readying your business for your retirement, or to enable...

Thursday, July 12, 2018

When you receive some extra money it may be difficult to determine whether you should invest the funds or use them to pay down debt. One financial theory suggests that if your after-tax return on investments is greater than the...

Tuesday, July 10, 2018

As you save money into your 401(k), you might be able to choose whether to direct your funds into a Traditional 401(k) or a Roth 401(k). What is a Roth 401(k)? Check out this article to find out more: What is a Roth 401(k) 1 With a...

Thursday, June 28, 2018

The math is simple, the more you save, the more savings you should have… right? Well that only works if… well… actually save. Two tools that might help you save are by using either a Traditional IRA or Roth IRA....

Tuesday, June 26, 2018

The number one concern clients tell me is “I don’t want to run out of money”. That’s a valid concern. Have you taken a few minutes to make a simple calculation on how long your money can last as you withdrawal...

Wednesday, June 20, 2018

Carl RichardsJan. 6, 2018 I received these two messages within three minutes of each other recently: Several years back I used to mine Bitcoin, and then I sold most of them off for a down payment for our house. I had 400 BTC at one...

Tuesday, June 19, 2018

Fast Fact: Credit Inquiries. Your FICO score won’t drop by much when you apply for new credit. But if you apply for several new credit cards over a short period, your credit report will reflect the activity. How does your credit...

Wednesday, June 13, 2018

Your credit score is simply a statistical estimation of how likely you are to pay your debts and, by extension, how much credit you should have. Everyone is different—everyone has a different history, different experiences. But...

Friday, June 8, 2018

Have you heard that there has been an issue with the Social Security system? I refer to the issue as the “insolvency of social security system” or the “unfunded social security crisis”. This is especially...

Wednesday, June 6, 2018

You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹ Here are four great reasons: Estate Strategies: They're Not Just for the...

Thursday, May 24, 2018

Every year, about 140 million households file their federal tax returns.¹ For many, the process involves digging through shoe boxes or manila folders full of receipts; gathering mortgage, retirement, and investment account...

Wednesday, May 9, 2018

Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counter intuitive, but it may be possible to have too much of a good thing. Over time,...

Monday, April 30, 2018

After all their hard work, the college class of 2017 is finally enjoying the real world and all its "perks," including having to pay back their student loans. The Federal Reserve Bank of New York's latest report on household debt and...

Wednesday, April 25, 2018

April 15, 2018 Shutterstock You may hear the term “financial plan” and imagine thousands of dollars spent and hours in a stuffy broker office discussing the benefits of a diversified portfolio. Or maybe you think financial...

Wednesday, April 25, 2018

How the gains from the sale of a primary residence are taxed has changed in recent years. If you have recently sold your home, or are considering doing so, you may want to be aware of these new rules. Home Sale If you owned and lived...

Wednesday, April 18, 2018

One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.¹ If you have yet to develop a retirement plan for your business, or if...

Tuesday, April 17, 2018

April 17, 2018 Plan on tapping into your home equity to make a springtime splurge? The good news is that, despite what you may have heard about the new tax law, you might still be eligible for a federal tax deduction on the interest...

Monday, April 16, 2018

No one wants to see an Internal Revenue Service (IRS) auditor show up at his or her door. The IRS can’t audit every American’s tax return, so it relies on guidelines to select the ones most deserving of its attention. Here...

Wednesday, April 11, 2018

Did you know that more than $7.8 trillion in assets are benchmarked to the Standard & Poor’s 500 Composite Index, including $2.2 trillion in index assets?¹ The S&P 500 is ubiquitous—we see it on the TV news, read about...

Saturday, April 7, 2018

Money Staff April 7, 2018 Americans love to complain about taxes. Yet most have no idea what they actually pay. Indeed, a nation that habitually thinks it’s taller and thinner than it really is also routinely and dramatically...

Wednesday, April 4, 2018

Kelly Phillips Erb March 22, 2018 Shutterstock With less than a month until Tax Day, the Internal Revenue Service (IRS) is reminding taxpayers to be on the lookout for tax scams. The IRS has issued its annual “Dirty Dozen”...

Tuesday, March 27, 2018

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties....

Tuesday, March 27, 2018

March 27, 2018 NEW YORK, March 1 (Reuters) - It stands to reason that getting involved in your community helps others. But what if it helped your own bottom line, as well? That is the finding of a new survey from financial giant...

Thursday, March 22, 2018

Nick Clements March 22, 2018 Photographer: Andrew Harrer/Bloomberg On Wednesday, the Federal Reserve voted to hike interest rates to 1.75%, the highest level since 2008. This means credit card debt will become more expensive for...

Tuesday, March 20, 2018

Ben Casselman March 20, 2018 Americans have spent much of the past decade wondering when the economy would recover from the crippling Great Recession. Now, they are considering another question: When, and how, will that recovery end?...

Wednesday, March 14, 2018

Until early 2018, stocks were enjoying their longest period without a five percent pullback in nearly 90 years.1,2 But in early February, that calm came to a sudden and decisive end, as the Standard & Poor’s 500 Index fell more...

Thursday, March 8, 2018

Lorrie Cranor Sept. 8, 2017 For years, computer users have been told they should have complicated passwords, including numbers, punctuation marks and other symbols, and upper- and lowercase letters. Despite those being hard to...

Thursday, March 8, 2018

Kelly Phillips Erb Feb. 2, 2018 With tax season in full swing, identity theft-related tax fraud has become a hot topic. While taking steps to protect yourself from identity theft is always smart, it’s important that you...

Thursday, March 8, 2018

Lee Mathews Dec. 20, 2017 The movie Hackers hit theaters back in 1995. In it, there’s a scene where the main characters list the most common passwords people use. They’re predictably bad: love, sex, secret, and god. 22...

Monday, March 5, 2018

Kelly Phillips Erb Feb. 3, 2018 If the chatter is to be believed, identity theft tops the list of taxpayer concerns for 2018. And it’s not all in your head: an Identity Fraud Study, released by Javelin Strategy & Research, found...

Monday, March 5, 2018

Tax forms were due to most taxpayers yesterday (click here for more about due dates), but that doesn’t mean that scammers are taking a break. The Internal Revenue Service (IRS) continues to remind employers to educate their...

Monday, March 5, 2018

Lauren Lyons Cole Feb. 23, 2018 The IRS warns taxpayers every year to beware of a long list of tax scams. This year, identity thieves are up to the same tricks, but with a new twist. Scammers file a fake tax return, deposit the...

Friday, February 23, 2018

Samantha Bomkamp Feb. 16, 2018 Most Americans are starting to see one of the early benefits of the new tax law: a bump in take-home pay. Paychecks are increasing for about 90 percent of Americans due to the tax overhaul, according to...

Wednesday, February 21, 2018

Checks. Due to the onslaught of electronic check collection, the Federal Reserve now processes paper checks at just one location nationwide, down from 45 locations in 2003. Source: Board of Governors of the Federal Reserve System,...

Tuesday, February 20, 2018

Adam Sarhan Feb. 9, 2018 NEW YORK, NY – FEBRUARY 09: Traders work on the floor of the New York Stock Exchange (NYSE) Friday morning on February 9, 2018 in New York City. Following a drop in the Dow Jones Industrial Average of...

Tuesday, February 13, 2018

The average American household with debt owes $132,158. And credit card debt accounts for $15,675 of that.¹ Little wonder that money worries are a major cause of stress. The Link Between Stress and Health Humans have an innate...

Friday, February 9, 2018

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Wednesday, February 7, 2018

Forty-eight percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ 48%!!! Individuals may cite different reasons for not investing, but with important...

Wednesday, January 31, 2018

The enactment of the Tax Cuts and Jobs Act represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1 For millions of Americans and businesses it means an altered financial and investment landscape...

Wednesday, January 17, 2018

WHAT DO YOUR TAXES PAY FOR? Tip: Mid May. If the government had raised taxes enough to cover federal borrowing, we would have had to work until May 10 just to cover the tax bill.Source: FoxNews.com, April 24, 2016 Taxes are one of the...

Wednesday, January 10, 2018

Who among us wants to pay the IRS more taxes than we have to?¹ While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let’s take a quick look at the...

Wednesday, January 3, 2018

STRATEGIES FOR MANAGING STUDENT LOAN DEBT If college were a party, then student loans are the hangover. Unfortunately, the “hair of the dog” won't cure this headache, but here are some ideas for managing your student loan...

Tuesday, December 12, 2017

A LOOK AT DIVERSIFICATION Tip: Correlation. To adequately diversify, it’s important to select securities that have a low correlation — that is, securities that don’t tend to track each other’s movements up and...

Tuesday, November 28, 2017

Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money. In 2016, as in recent years, Americans spent more on taxes than on groceries, clothing, and shelter...

Tuesday, November 21, 2017

By April 15, 2016, 125 million taxpayers had dutifully filed their federal income tax returns.¹ And all of them made decisions about deductions and credits—whether they knew it or not. When you take the time to learn more...

Tuesday, November 14, 2017

Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision is better than no decision at all...

Tuesday, November 7, 2017

Federal estate taxes have been a source of funding for the federal government almost since the U.S. was founded. Tip: Regardless of your net worth, it’s critical to understand your choices when developing an estate strategy. In...

Tuesday, October 31, 2017

A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives. What is a living trust? A living trust is created while you are alive and...

Tuesday, October 24, 2017

Do you have a will? A will enables you to specify who you want to inherit your property and other assets. A will also enables you to name a guardian for your minor children. Do you have healthcare documents in place? Healthcare...

Tuesday, October 17, 2017

Financial Documents Joint Ownership Durable Power of Attorney Living Trust What does it do? Enables you to own property jointly with another person Authorizes someone to handle legal and financial decisions if you become incapacitated...

Tuesday, October 10, 2017

Each month you settle down to pay bills. You pay your mortgage lender. You pay the electric company. You pay the trash collector. But do you pay yourself? One of the most basic tenets of sound investing involves the simple habit of...

Wednesday, October 4, 2017

Maintaining good records is important to help meet your tax and legal obligations. The right record keeping system not only helps satisfy these obligations, but it may save you money and time. Here’s what to consider for your...

Friday, September 22, 2017

Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups, and no smoking or excessive alcohol. Yet, despite this knowledge, changing existing behaviors can be difficult. Look no...

Wednesday, September 20, 2017

According to the Centers for Disease Control and Prevention, productivity losses linked to employees not showing up for work cost employers $226 billion annually, or $1,685 per worker.¹ Business owners and managers understand very...

Wednesday, September 13, 2017

Facebook, Twitter, LinkedIn—they’ve all fallen prey to hackers who exposed passwords and other personal information for hundreds of thousands of their users. If you haven’t yet had your password stolen, chances are,...

Monday, September 11, 2017

In the first quarter of 2015, nearly 2,000 small businesses were sold. The median sale price was $200,000, up from $175,000 the year before.¹ As a business owner, ascertaining the value of your business is important for a variety...

Tuesday, September 5, 2017

You may have to make estimated tax payments if you earn income that is not subject to withholding, such as income from self-employment, interest, dividends, alimony, rent, realized investment gains, prizes, and awards. You also may...

Wednesday, August 30, 2017

From 2011 to 2015, the average residential flood claim was more than $43,000.¹ The financial loss that comes with flooding can be devastating. Yet, many Americans are not protected against flood damages, primarily because flooding...

Tuesday, August 29, 2017

The common thread that runs through all small businesses, from professional services to manufacturing, is that a motivated workforce is central to the business’s success. Here are some quick, inexpensive, and potentially...

Tuesday, August 22, 2017

Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ The 2016 “Dirty Dozen” Identity Theft Using your personal...

Monday, August 14, 2017

Retirement is top-of-mind for professionals everywhere, but that doesn’t always mean they have a savings plan in place. To determine how small business owners are planning for retirement, Manta surveyed 1,960 small business...

Thursday, August 10, 2017

In March 2015, about 679,072 new business had been created in the preceding year.¹ All individuals pursuing the dream of exercising their entrepreneurial muscles, will face the same question, “Which business structure should...

Monday, July 31, 2017

If you live in or have visited a big city, you’ve probably run into street vendors—people who sell everything from hot dogs to umbrellas in carts—on the streets and sidewalks. Many of these entrepreneurs sell...

Monday, July 31, 2017

One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals have three basic choices with the 401(k) account they...

Monday, July 24, 2017

Short-term capital gains are taxed at ordinary income tax rates, while long-term gains are taxed at a lower rate, based on an individual’s marginal income tax bracket. If you are in the… your long-term capital gains rate...

Monday, July 17, 2017

By any measure, the tax code is huge. According to Commerce Clearing House's Standard Federal Tax Reporter it's up to 74,608 pages in length.¹ And each Monday, the Internal Revenue Service publishes a 20- to 50- page bulletin...

Monday, July 10, 2017

Charles de Gaulle once remarked, “The graveyards are full of indispensable men.”¹ While we know that life goes on regardless of the loss of any “indispensable” person, for a small business, the loss of a...

Tuesday, July 4, 2017

Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.”¹ The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges...

Tuesday, June 27, 2017

The growth of exchange-traded funds (ETFs) has been explosive. In 1998, there were only 29; near the end of 2016, there were 1,700 investing in a wide range of stocks, bonds, and other securities and instruments.¹ At first glance,...