529 Plans —The Basics

By | 2018-08-29T10:52:58+00:00 July 10th, 2018|Educational Planning, 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 [...]

Making Sense of Itemized Deductions Under The New Tax Law

By | 2018-06-11T16:53:15+00:00 May 14th, 2018|Financial Planning, Tax Planning & Preparation, The Blog @JGUA|

MAKING SENSE OF ITEMIZED DEDUCTIONS UNDER THE NEW TAX LAW Lynda Tull, Associate Advisor If you’re a homeowner and you’re above the standard deduction, chances are you or your tax preparer have itemized your deductions. These deductions include, but are not limited to: Home mortgage interest payments City/state/school property taxes Personal property taxes State income [...]

SEP IRA vs. Solo 401(k) – Which is Better for You?

By | 2018-08-09T13:34:09+00:00 March 29th, 2018|Financial Planning, Investment Management, Retirement, Starting Out|

Smart Retirement Options for the Self-Employed. Alexander Ognenovski, JD Self-employment has its advantages; yet also comes with responsibility, such as saving for your own retirement. When you work for an employer, you can usually count on there being a 401(k) plan or something similar already in place that you can contribute to. However, when you [...]

Is Your 457 Plan Leaving Money On the Table?

By | 2018-03-21T08:53:31+00:00 March 20th, 2018|Financial Planning, Investment Management, Retirement|

Andrew Baron, CFP® Associate Advisor 457 plans, one of the lesser known retirement savings plans are a special kind of plan for non-profit organizations. The sponsor of the plan must be an employer that is either a state or local government entity or a qualifying 501(c)(3) organization. Federal employees are not covered under these plans [...]

Do you qualify to utilize a QCD?

By | 2018-05-18T14:20:45+00:00 March 8th, 2018|Charitable Giving, Financial Planning, Investment Management, Legacy, Retirement, Tax Planning & Preparation|

If you do, reviewing your QCD strategy this Tax Season should be a priority... Kathryn W. Gerwig, CFP® Senior Advisor As you complete your 2017 income tax returns, keep in mind some tax provisions that will possibly be more important for 2018 and future years’ tax planning.  In 2015, the Protecting Americans from Tax Hikes Act [...]

Spousal IRA — A Valentine’s Gift for your Spouse

By | 2018-02-13T17:04:41+00:00 February 13th, 2018|Family, Financial Planning, Investment Management, Starting Out|

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 [...]

Volatility in the Market – with Commentary from John G. Ullman

By | 2018-08-08T16:22:15+00:00 February 9th, 2018|Advisor Spotlight, Financial Planning, Investment Management|

Market Drops…Now What?? *Spoiler alert…..no need to panic. It’s been a Volatile week in the Markets. Sharp declines, and the dramatic headlines that follow, can trigger panic and feelings of uncertainty, especially after the record breaking growth that’s been seen in the Market over the last year. What caused the drops seen in the Market [...]

Want to reduce your Medicare premium? Your charitable contributions could be the answer.

By | 2018-08-08T12:46:13+00:00 December 19th, 2017|Financial Planning, Investment Management, Tax Planning & Preparation|

Want to reduce your Medicare premium? Your charitable contributions could be the answer. Brandi Graham, CFP® What do Medicare premiums and charitable giving have in common? One may be able to save you money on the other… If you make gifts to charity and are required to take a required minimum distribution (RMD) from your [...]

Are You Prepared for a Disaster?

By | 2017-12-20T10:25:21+00:00 December 12th, 2017|Family, Financial Planning, Investment Management, Legacy, Retirement, Starting Out|

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 [...]