Blog
Lifetime Estate & Gift Tax Exemption Updates for 2023
In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...
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What to Do If Your Identity is Stolen
Annually, 15 million people in the US experience identity theft.As we all know, identity theft is a serious financial issue. Many of the steps you take with identity theft are similar to having your wallet stolen, but generally,...
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Check in the Mirror for these Behavioral Investment Biases
There has been considerable concern over what many economists predict is an imminent recession. It may occur as early as Q1 2023 or as late as Q4 2023 and debate continues on whether the stock and bond markets are accurately pricing in...
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Contribution Limit Increases for 2023: Just What We Wanted to Hear
In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...
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Year-End Financial Strategies
The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...
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Charitable Giving Strategies for 2022
Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...
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How Does the Inflation Reduction Act Impact Healthcare? A Guide During Open Enrollment Season
Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...
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Equity Markets Take Off in October – Will Market Timers Catch Up?
What an October for equity returns. It’s a great example of how difficult it is to time the market. With the Fed raising rates likely until early next year, there was little consensus that there would be equity returns like the...
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What’s Got the Fed in a Pickle? Jobs, Jobs, Jobs
Last week I posted an article about how markets are almost completely dependent on the rhetoric coming from the Federal Reserve Bank. Inflation is still arguably high but there are morsels of data showing that the rate hikes are...
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Will Your Social Security Check Be Taxed?
Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...
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Consumers Have a Crystal Ball After All But They are Lousy at Predicting the Stock Market
There are two well-known indexes that track consumer sentiment and confidence. For the most part, these indexes tend to move in tandem even though they may sometimes deviate slightly in the short-term. But as of late, the Conference...
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Truths About Life Insurance That Will Inspire You to Get Coverage
Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...
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Rolling Treasuries: Squeezing Extra Cash Out of Cash
In a volatile market, many investors prefer to hold a little more cash than they otherwise would or make investments a bit slower – spreading out the allocation to minimize any adverse impact from sudden market drops. With cash...
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