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Dealing with Divorce

October 2018

While we all hope our marriages will last forever, about 50% of first marriages in the United States end in divorce.1 And unfortunately, a couple who decide to divorce must typically negotiate a property settlement agreement (or seek the assistance of the courts). Retirement assets can be divided at the time of a divorce, just… Read more

Key Tax Breaks for Business Owners

October 2018

The Tax Cuts and Jobs Act has made the tax code more favorable for small businesses. Still, owners will want to take full advantage of every legal tax break they can find. The following deductible business costs could help reduce your 2018 tax bill. Be sure to consult with your tax professional before you take… Read more

Choosing and Using a College Checking Account

October 2018

Attending college requires learning about many aspects of life outside the classroom, and one of those is managing a checking account. Even if your student had an account in high school, college will require handling more money, more often, without your direct supervision. Whether your student is opening a new account or using an old… Read more

Social Security 101

October 2018

Social Security is complex, and the details are often misunderstood even by those who are already receiving benefits. If you’re looking forward to Social Security, whether in one year or 30 years, it’s important to understand some of the basic rules and options and how they might affect your financial future. Full retirement age (FRA)…. Read more

Seven Classic Investing Quotes

October 2018

Investing can be daunting, whether you are experienced or a beginner. Even if you feel confident about your investing strategy, it can be easy to lose focus or make decisions based on emotion. Here are seven quotes from successful investors, economists, and other insightful thinkers that may help provide perspective and focus for your own… Read more

HOT TOPIC: Bear in the Woods: Emerging Markets Credit Crisis

October 2018

On September 6, 2018, the MSCI Emerging Markets (EM) Index — which tracks stocks in 24 of the world’s largest developing economies — dropped 20% below its January high, a level of decline that is commonly considered a bear market.1 Hong Kong’s Hang Seng Index reached the same negative milestone a few days later. China’s… Read more

Family Limited Partnerships for Estate Planning Purposes

September 2018

One challenge faced by family-run businesses involves transitioning both the ownership and operations from one generation to the next. A family limited partnership (FLP) is a legal agreement that enables business owners and their heirs to address tax issues, business succession, and estate planning needs all at once. Specifically, business owners who want family members… Read more

Inflation Protection for Investment Dollars

September 2018

For the 12-month period ending in March 2018, the Consumer Price Index for All Urban Consumers (CPI-U), the standard measure of “headline inflation,” increased 2.4% — the fastest pace since March 2017 and significantly higher than the 1.6% average over the past 10 years.1 Looking at the bigger picture, the 50-year U.S. inflation average is… Read more

A Map to Guide Your Family

September 2018

If you have a legal will, you’ve taken an important step to help your family know your wishes and make appropriate decisions. But a will does not address all the complicated matters of your financial life. You may have multiple bank, retirement, and investment accounts; insurance policies; a safe-deposit box; and more. You have bills… Read more

Insurance with Potential Cash Value

September 2018

The simplest and most cost-effective type of life insurance is generally term insurance, which provides coverage for a specified number of years, as long as you pay the premiums, and pays a death benefit if you die within that term. A term policy has no other value and is separate from your savings and investments…. Read more

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