3Q2023 in Review – On the Bright Side
The end of the third quarter of 2023 brought some challenges in the financial markets. The S&P 500 fell -4.9% in September and the MSCI…
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Demystifying the Gift Tax
Understanding the Federal gift tax is essential for sound financial planning. This article aims to explain key concepts, debunk some common misconceptions, and outline some…
529 College Savings Plan – Options for Unused Balances
Qualified tuition plans, more commonly known as “529 accounts,” are tax-advantaged savings accounts designed to help families save for future education expenses. These accounts are…
Market Volatility in Retirement: Addressing Sequence of Return Risk
Deciding to retire during market volatility can be a tough call. Do you stick it out for another year, or take the plunge? Even with a…
Unnerving Headlines: This is Why We Diversify
In Q1 of 2023, global stocks gained nearly 7% in the first quarter, continuing the upward momentum that we saw in Q4 of 2022. Bonds also…
Secure Act 2.0: Provisions Affecting ROTH IRA Accounts and What They Mean for You
There are several provisions in Secure Act 2.0 that relate to ROTH IRAs and ROTH accounts within workplace retirement plans. ROTH AccountsFirst, as reminder, ROTH…
Secure Act 2.0 – Tax Planning Opportunities Related to Delayed Required Minimum Distribution Requirements
Those who reach age 72 in 2023 or beyond now have more time to opportunistically take distributions from their tax-deferred accounts in efforts to minimize…
Series I-Bonds
What is an I-Bond? US Treasury Series I-Bonds (I-Bonds) are inflation-adjusted savings bonds. Interest compounds every six months (May and November), and the rates are…