Keeping ClientsInformed


Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Click on one of the newsletter topics below to read the article in its entirety.

Municipal Bonds

Municipal bonds are issued by public entities such as state and local governments, health systems, universities, and school districts to help finance ongoing expenses and major projects such as roads, water systems, and facilities. An attractive feature of these bonds is that the interest is generally exempt from federal income tax, as well as from…

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Retirement Savings: Traditional, Roth, or Both?

Choosing a traditional or Roth structure for your IRA or employer-sponsored retirement plan — such as a 401(k), 403(b), or 457(b) plan — is a key decision in your retirement saving and distribution strategies. While these distinctions are important at any age, they can be especially critical for older workers, who may be in their…

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Do Target-Date Funds Hit the Bull’s-Eye for You?

More than half of 401(k) participants have assets invested in target-date funds.1 These “all-in-one” funds are often the default option in workplace plans, and their apparent simplicity appeals to many investors. But target-date funds are not as simple as they appear to be. Like all investment strategies, they have strengths and weaknesses. Focused on Time Target-date…

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Three Generations of Retirement Strategies

Generational disagreement is a constant of family life, but a recent survey found that millennials, Gen Xers, and baby boomers agree that saving and planning for retirement is a top financial goal.1 When it comes to pursuing that goal, however, each generation faces a different set of challenges. Of course, every individual is different, and…

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The SECURE Act and Your Retirement Savings

The Setting Every Community Up for Retirement Enhancement (SECURE) Act was enacted in December 2019 as part of a larger federal spending package. This long-awaited legislation expands savings opportunities for workers and includes new requirements and incentives for employers that provide retirement benefits. At the same time, it restricts a popular estate planning strategy for…

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Is It Time to Step Up Your Digital Marketing?

In a 2019 poll, 28% of Americans said they are now online “almost constantly,” up from 21% in 2015.1 Consequently, digital marketing is a cost-effective way to reach a larger audience of potential customers. Here’s how you can put your company’s best foot forward. Put Your Website to Work Your company website is not just…

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Business or Hobby? It’s All About Taxes

Many successful businesses began in garages or around kitchen tables. And many businesses lose money in their early years. However, some ventures that begin with business aspirations never make money and turn into expensive hobbies. The difference between a money-losing business and a hobby is important at tax time, because you may be able to…

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Rain, Sleet, Snow — and Lawsuits?

The winter months are a great time for entertaining. In many areas of the country, they can also be a time for icy sidewalks and slippery steps. Naturally, you should make every effort to help ensure that your house and the surrounding area are safe for guests. But no matter how careful you are, accidents…

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Running with the Dogs

The Dogs of the Dow is a simple investing strategy that combines an emphasis on dividends and value. It involves investing in the 10 stocks from the Dow Jones Industrial Average (the Dow) that have the highest dividend yields on the last trading day of a given year. Typically, the purchases are made on the…

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Give and Receive with a Charitable Remainder Trust

Scientific research suggests it really is better to give than to receive — that spending money for the benefit of others may lead to longer-lasting happiness than spending money on yourself.1 However, by structuring a donation using a charitable remainder trust (CRT), you might have the best of both worlds: a substantial gift to your favorite…

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A New Option for Providing Health Coverage in 2020

Under new rules released by the Departments of Labor, Health and Human Services, and the Treasury, employers can offer a health reimbursement arrangement (HRA) instead of a traditional group health plan starting in January 2020. With an Individual Coverage HRA, an employer contributes funds to special accounts that employees can use to choose their own…

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Qualified Charitable Distributions

The Tax Cuts and Jobs Act roughly doubled the standard deduction and indexed it for inflation through 2025. (The standard deduction is $12,200 for single filers and $24,400 for married taxpayers filing jointly in 2019; in 2020 it rises to $12,400 and $24,800, respectively.) As a result, far fewer taxpayers will itemize deductions on their tax…

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