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Disaster Insurance Can Help Your Company Stay Afloat

February 2018

Hurricane Harvey deluged southeast Texas and Louisiana with 27 trillion gallons of water in August 2017. By one estimate, economic losses could total $81 billion to $108 billion, a range that would surpass Hurricane Katrina (2005) and make Harvey the second most expensive storm since 1980.1 Small businesses tend to operate on tight margins, so… Read more

Settling an Estate

February 2018

Being named as the executor of a family member’s estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help carry out his or her wishes. Settling an estate, however, can be a difficult and time-consuming job that could take… Read more

Why Hold Money Market Mutual Funds?

February 2018

After six years of near-zero returns, the yield on money market mutual funds began to edge upward in 2016, with 30-day taxable funds returning 0.13% for the year. This may not sound like much, but it’s a big jump from the 0.01% to 0.03% yield during the 2010 to 2015 period. The uptick continued in… Read more

How Long Should You Keep Financial Records?

February 2018

The beginning of the year is also the start of tax filing season, so it’s a great time to organize your records. As you do so, you may want to discard old records to make room for new ones. (Use a shredder to discard records containing confidential information such as Social Security and financial account… Read more

Options for Inherited IRAs

February 2018

IRS rules for inheriting retirement accounts are complex, and an uninformed decision could result in unexpected taxes and penalties. Your options depend on your relationship to the original owner and the owner’s age at the time of death. Beneficiaries of both traditional and Roth IRAs must take required minimum distributions (RMDs), with one exception for… Read more

HOT TOPIC: Business Tax Breaks: Impact on Earnings and the Economy

February 2018

The Tax Cuts and Jobs Act, a $1.5 trillion tax cut package, was signed into law on December 22, 2017. The following changes are intended to put the tax treatment of U.S. businesses on more equal footing with their global competitors and to spur business investment in the United States that could drive up economic… Read more

No Shortage of Liability Risks

January 2018

Accidents and mistakes happen no matter how well a business is run, and the expenses involved in defending a lawsuit could be devastating, whether the owner is found to be at fault or not. Fortunately, liability insurance can help offset unforeseen legal costs (up to the policy limits) that could consume your business’s profits or… Read more

Illinois Highlights Credit Risk

January 2018

State and local governments sell bonds to help fund ongoing expenses and finance public projects such as roads, sewers, schools, and stadiums. Because government entities have the power to raise taxes and fees as needed to pay the interest, municipal bonds are generally considered to be less risky than corporate bonds, so they typically offer… Read more

Keeping Savings on Track with a Spousal IRA

January 2018

Being a stay-at-home mom or dad, or working part-time to help take care of the children, can make a big contribution to the balance and well-being of a family. Unfortunately, time out of the workforce could put the caregiving spouse at a disadvantage when it comes to retirement savings. A spousal IRA — funded for… Read more

An Introduction to Trusts

January 2018

You may think trusts are only for wealthy people, but that’s not necessarily the case. A properly constructed trust can serve many purposes for families of more modest means. A trust might help avoid the time-consuming and costly probate process, maintain control of a legacy for your heirs, provide for a dependent with special needs,… Read more

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