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Strategies for Transitioning the Business at Death or Disability

By |2019-04-11T08:42:13+00:00April 10th, 2019|Family, The Blog @JGUA|

By Alexander K. Ognenovski J.D.   Strategies for Transitioning the Business at Death or Disability. Buy-Sell Agreements – A Quick Overview: An arrangement, typically established for closely held corporations or partnerships. May name co-owners, family members, or third parties to take over or buy (at a pre-determined price) an owner’s interest in the business. May [...]

Part 2: Tips to Develop a Successful College Financial Strategy

By |2019-04-06T01:17:15+00:00February 4th, 2019|College Savings Strategies, Family, Financial Planning, Starting Out, The Blog @JGUA|

By Cynthia Rivera, J.D.   With today’s cost of a higher education, having insufficient funds to pay for college expenses is hardly an uncommon situation. In our previous article I discussed strategies that you may use when faced with the realization that the funds you dutifully invested over the years may not be enough to [...]

Part 1: Tips to Develop a Successful College Financial Strategy

By |2019-04-06T01:12:12+00:00January 16th, 2019|College Savings Strategies, Family, Financial Planning, The Blog @JGUA|

By Cynthia Rivera, J.D.   Surely, funding a tax advantaged 529 plan early in a child’s life is among the most efficient methods to save for college. What if you realize, as your child inches closer to high school graduation, that the funds you diligently invested may not be enough to cover your child’s college [...]

Opening the Door to Conversations About Aging

By |2019-02-07T09:28:19+00:00January 16th, 2019|Family, Financial Planning, The Blog @JGUA|

By Brandi Graham, CTFA, CFP®   Everyone knows proactive is better than reactive.  Then why is it most families don’t talk about aging until a sudden health crisis occurs? Chances are you spent some time with your family members this holiday season. You may have noticed Aunt Mary’s house wasn’t as clean as it usually [...]

529 Plans —The Basics

By |2019-02-28T02:03:53+00:00July 10th, 2018|College Savings Strategies, Family, Financial Planning, The Blog @JGUA|

Cynthia Rivera, JD Summer has arrived along with our cherished graduation season.  A milestone to be celebrated. With every passing year our kids are inching closer to that long-awaited dream - college. For many students and their families, however, college has become an expensive dream and a lengthy financial burden.  Helping the future college student [...]

Spousal IRA — A Valentine’s Gift for your Spouse

By |2019-01-10T15:19:17+00:00February 13th, 2018|Family, Financial Planning, Investment Management, Starting Out, The Blog @JGUA|

Cynthia Rivera, JD Associate Advisor  Many of our financial decisions and future planning are borne out of love. To take care of those we love….is an ideal that permeates most of our daily thoughts and actions. So, on this Valentine’s Day, amid the flowers and chocolates you may want to consider a nonconventional gift for [...]

Are You Prepared for a Disaster?

By |2019-01-25T10:29:53+00:00December 12th, 2017|Family, Financial Planning, Investment Management, Legacy, Retirement, Starting Out, The Blog @JGUA|

Are You Prepared for a Disaster? Nora Smith, Information Services Manager This Holiday season, so many of us are watching the news helplessly as the fires rage in California and thousands have been forced to leave their homes. The ongoing natural disaster in the West comes on the heels of a horrific Hurricane season that [...]

401(k) or IRA: Which Vehicle Makes Sense (for you).

By |2019-01-10T11:47:55+00:00November 21st, 2017|Family, Financial Planning, Investment Management, Starting Out, The Blog @JGUA|

Key Points to Consider. Alexander Ognenovski, JD Associate Advisor What’ll it be: a 401(k) or an IRA? Given the choice between putting money in an employer-sponsored retirement account such as a 401(k) or a self-directed savings vehicle like a Roth or traditional IRA, the ideal answer is “all of the above.”  But until (or even [...]

IRS Contribution Limit Changes for 2018

By |2019-01-10T11:48:02+00:00November 17th, 2017|Family, Financial Planning, Retirement, Tax Planning & Preparation, The Blog @JGUA|

What do these changes mean for you and your retirement savings plan? Lynda Tull, Associate Advisor The IRS has announced new contribution limits for retirement savings accounts which include 401K, 403B, and most 456 plans. Changes to income limits for IRA contribution deductibility and new contribution limits for Health Savings Accounts (HSAs) have also been [...]

Fact vs. Fiction: Saving for College with 529 Plans.

By |2019-02-28T02:04:36+00:00November 7th, 2017|Family, Financial Planning, The Blog @JGUA|

Alexander K. Ognenovski II, J.D. Your guide to myth-busting the 529 Plan; and how to use it to your financial advantage. Three main aspects when considering a 529 Plan: There are no limits on who can open a 529 college savings plan or who can contribute. 529 plan savings can cover a range of educational [...]