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

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 [...]

By | 2018-03-29T12:29:08+00:00 March 29th, 2018|Financial Planning, Investment Management, Retirement, Starting Out|

Is Your 457 Plan Leaving Money On the Table?

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 [...]

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

Do you qualify to utilize a QCD?

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

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 [...]

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

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

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 [...]

By | 2018-02-09T13:46:42+00:00 February 9th, 2018|Advisor Spotlight, Financial Planning, Investment Management|

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

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 [...]

By | 2017-12-19T10:49:00+00:00 December 19th, 2017|Financial Planning, Investment Management, Tax Planning & Preparation|

Are You Prepared for a Disaster?

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 [...]

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

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

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 [...]

By | 2018-02-27T09:40:06+00:00 November 21st, 2017|Family, Financial Planning, Investment Management, Starting Out|

IRS Contribution Limit Changes for 2018

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 [...]

By | 2017-11-21T14:32:48+00:00 November 17th, 2017|Family, Financial Planning, Retirement, Tax Planning & Preparation|