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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

How Much Cash Should You Keep?

September 2016

Keeping cash under a mattress may be an outdated idea, but it’s important to include cash or cash alternatives in your financial strategy. The amount of cash you need — and where to keep it — depends on your situation. To some extent, it’s a balancing act between short-term needs and long-term goals. Interest rates… Read more

HOT TOPIC: Social Security and Medicare Update: The 2016 Trustees Reports

September 2016

The fiscal challenges facing Social Security and Medicare have been well publicized, but many Americans may not be aware of the facts behind the headlines. Each year, the Trustees of the Social Security and Medicare trust funds release detailed reports to Congress on the current financial condition and projected financial outlook of these programs. Here… Read more

Who Needs a Succession Plan? Maybe You

August 2016

It’s estimated that about 10 million baby boomers plan to sell or close their businesses during the next decade.1 And even though 78% of small-business owners are counting on the proceeds of a sale to meet 60% to 100% of their retirement needs, only 30% of owners have a formal succession plan.2 That’s a pretty… Read more

As Manufacturing Stumbles…

August 2016

In February 2016, the Institute for Supply Management (ISM) manufacturing index improved to 49.5, a 1.3 percentage point increase from the 48.2 reading in January. Even so, a reading below 50 generally means that manufacturing activity is contracting, and February marked the fifth straight month in contraction territory — a trend that hasn’t been seen… Read more

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