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Comparing Your Retirement Plan Options

October 2016

Retirement plan contributions made for yourself and your workers are generally tax deductible as a business expense. Offering one of these retirement plans could help you shelter more of your income from taxes and build wealth outside of your business. It might also be an effective way to reward and help retain valuable employees. 401(k)… Read more

Looking for Income? Consider Closed-End Funds

October 2016

Most mutual funds are open ended, which means the investment company can issue and redeem fund shares to meet investor demand. By contrast, closed-end funds issue a fixed number of shares in an initial public offering (IPO), and investors who want to purchase shares after the IPO must do so on a secondary market, such… Read more

Know Your Credit Score

October 2016

Credit scores were a well-kept secret for many years. That has changed as a result of recent initiatives by the Consumer Financial Protection Bureau and Fair Isaac Corporation (FICO), which provides the most commonly used credit scores based on its proprietary software. By April 2016, more than 150 million consumer credit-card and loan accounts included… Read more

Universal Life for Flexibility

October 2016

Universal life insurance accounted for 38% of all new life insurance premiums in 2015.1 What’s the appeal of this type of coverage? In a word: flexibility. If you have a need for life insurance, you might consider the choices offered by universal life (UL) and the related product, variable universal life (VUL). Protection and Savings… Read more

Changing Jobs? Careful with Your 401(k)

October 2016

U.S. workers change jobs every 5½ years, on average.1 These changes often include a very important decision regarding the assets in their former employer’s 401(k) or other defined-contribution plan. Unfortunately, about 45% of people cash out their balances in workplace plans when changing jobs, and the percentage rises to 55% for those with balances of… Read more

HOT TOPIC: Election 2016: The Candidates’ Tax Proposals

October 2016

It’s no surprise that the major candidates have strong disagreements on the overall direction of tax policy; it may be more surprising that they agree on a number of specific concerns. In general, the Clinton campaign characterizes its tax plans as an effort to require high-income taxpayers and large corporations to contribute a greater share… Read more

Enticing the Crowd: New Rules for Raising Capital Online

September 2016

Equity crowdfunding platforms raised approximately $1.2 billion for U.S. start-ups in 2015, mainly from accredited investors — generally wealthy and sophisticated investors who meet certain criteria established by the Securities and Exchange Commission (SEC). That figure is expected to grow by 75% to 100% in 2016, with new SEC rules known as Regulation Crowdfunding that… Read more

Reclassifying Real Estate

September 2016

S&P Dow Jones Indices and MSCI are moving publicly traded real estate investment trusts (REITs) and other listed real estate companies from the Financials sector to a distinct Real Estate sector. In September 2016, there will be 11 headline sectors instead of 10; this is the first time a new sector has been added to… Read more

Focused on College Funding

September 2016

In 2015, nearly 75% of college freshmen said cost was an important factor in selecting a school, while more than 20% said they turned down their first choice because they could not afford to attend. 1 If one of your financial priorities is helping your family cover escalating college costs, you may want to take… Read more

New Law Requires Notification of Medicare Observation Status

September 2016

A new law effective August 6, 2016, requires hospitals to notify Medicare patients who are treated for more than 24 hours under observation status, which is considered outpatient care even if it includes one or more overnight stays in a hospital room. The distinction between outpatient and inpatient status can make a big difference in… Read more

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