THE SECURE ACT: HOW IT MAY CHANGE YOUR RETIREMENT AND ESTATE PLANNING
The U.S. Congress signed a $1.4 trillion year-end spending bill on December 20, 2019. Neatly tucked away inside this new spending law is the Setting Every Community Up for Retirement Enhancement (SECURE) Act, which became [...]
SECURE and CARES Acts | Understand how these laws affect your RMD and Retirement Accounts!
For 2020, the rules governing required minimum distributions (“RMDs”) from retirement plans and early withdrawals of retirement plan funds have changed. Please take time to read this summary of important changes especially if they apply [...]
Is a Roth IRA conversion right for you?
We often receive questions about Roth IRA conversions, the main question being “Should I convert my traditional IRA to a Roth IRA”? The answer to that question is that anyone can convert their eligible IRA [...]
Safeguarding your Personal Information
For our first client communication in 2020, we want to share important information on how to protect one of your most valuable assets, your personal information. Your personal, private information (“PI”) is any personal information [...]
Charitable and Personal Gifting in 2019
As we approach the Holiday Season, we want to share some year-end charitable and family gifting reminders. The following list contains general information for your review and consideration. The first and best rule in [...]
Constructing a Real Assets Portfolio by Stephen Blum
Real Assets Adviser, a publication of Institutional Real Estate, Inc., is edited exclusively to meet the real asset-related information needs of members of the U.S. private wealth advisory community. The monthly magazine invited Stephen Blum [...]
4 reasons why life insurance for children (and grandchildren) may be an appropriate financial planning strategy.
There are opinions on both sides as to whether buying life insurance for children or grandchildren is a good idea or an appropriate financial investment. Here are four reasons to consider in making your decision. [...]
50 or over in 2020? Consider a “catch-up” contribution to your retirement plan!
If you turn 50 by the end of this calendar year or are already over 50, you may have the option to make additional “Catch-up” contributions to your retirement account. Catch-up contributions allow you to increase [...]
What you need to know about RMDs in 2018.
Required Minimum Distributions If you are 70 ½ in 2018 and have an IRA, you must take your “required minimum distribution” (RMD) by year-end. Your RMD is calculated by dividing your IRA balance as of [...]
The Cost of Long-Term Care – a Reality Check!
Some topics are difficult to discuss. The cost of long term care (LTC) is certainly one of them. We encourage you to take a moment and contemplate the information in this important post. Elder care myth [...]