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New Tax Breaks for Pass-Through Entities

June 2018

The 2017 tax bill permanently cut corporate income taxes from a top rate of 35% to a flat 21%. However, about 95% of U.S. businesses are pass-through companies that do not pay taxes at corporate rates. Profits flow to the owners, who report the net income on their individual tax returns and pay tax at… Read more

Beyond Medicare: What Are Your Options?

June 2018

Medicare is a valuable benefit, with average spending per beneficiary projected at $13,490 in 2018.1 Even so, Medicare covers only a little more than 60% of total health-care costs for Americans age 65 and older.2 Deductibles, copays, coinsurance, and payments for services not covered by Medicare can all add up to substantial out-of-pocket expenses. And… Read more

Chained CPI and Your Taxes

June 2018

Tax legislation signed at the end of 2017 made dramatic changes to the U.S. tax code for corporations and individuals. One of the most fundamental changes — a new way of measuring inflation — received relatively little attention but could have a significant effect on your taxes over the long term. A number of key… Read more

Rules of the Rollover

June 2018

When you leave a job, you may have up to four options for any funds in your former employer’s retirement plan: (1) leave the funds in the employer’s plan, (2) roll them to a new employer’s plan, (3) roll the assets to an IRA, or (4) take a taxable distribution. Although there may be good… Read more

Is Smart Beta for You?

June 2018

Traditional investment indexes such as the S&P 500 are weighted based on market capitalization, the value of a company’s total outstanding stock. This means the largest companies in the index may have much greater influence than smaller companies on index performance — and on funds that track the index. For example, the 10 largest companies… Read more

HOT TOPIC — Wage Growth: Watching for a Tipping Point

June 2018

In April 2018, average hourly earnings for private-sector U.S. workers grew at a 2.6% annual rate, and “real” wage growth (adjusted for inflation) increased just 0.2% year over year. The unemployment rate fell to 3.9% in the same month, a 17-year low that leaves many people wondering why workers are not seeing corresponding wage increases.1… Read more

A New Look at Old Retirement Savings Guidelines

May 2018

Saving for retirement is complicated, so it’s not surprising that a few fundamental guidelines have become popular over the years to help simplify complex ideas. Here are four that you might have come across in reading, researching, or just talking with friends. Like most guidelines, they offer helpful starting points but need to be examined… Read more

Time to Hire? Consider the Pros and Costs

May 2018

It’s exciting to discover an opportunity to expand the size or scope of your business, and sometimes more workers are needed to make that happen. In the fourth quarter of 2017, 32% of small-business owners said they intend to increase the number of jobs in their companies over the next 12 months.1 How do you… Read more

A Steady Strategy

May 2018

One of the most fundamental truths of investing is that you can’t time the market. Even so, it’s natural to wince a little when you buy an investment only to see the price drop, or sell only to see the price rise. One approach that might help alleviate some of your concerns is dollar-cost averaging…. Read more

The Cost of Caregiving

May 2018

About 40 million family caregivers in the United States provide unpaid care to another adult.1 Caregiving for a loved one is a noble endeavor, and considering the high cost of professional long-term care, it may be the only alternative for some families. But “free” caregiving often comes with financial, physical, and emotional costs. If you… Read more

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