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Navigating the Financial Landscape: The Merits of Fee-Only Wealth Management and Objective Insights into Fee-Based Alternatives

By |2023-11-07T09:02:32-05:00October 24th, 2023|Investment Management, Retirement, The Blog @JGUA|

In the intricate world of financial decision-making, clarity and objectivity are paramount. At John G. Ullman and Associates, we recognize the need for transparency and a client-centric approach. As we delve into the common inquiry regarding fee-only versus fee-based wealth management, let's explore the benefits of a fee-only model and offer an objective perspective [...]

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Key Medicare Information for 2023

By |2023-10-17T13:12:50-05:00October 17th, 2023|Retirement, The Blog @JGUA|

Medicare vs. Medicaid- Both Government sponsored health insurance Medicare’s beneficiaries are primarily age 65 and older or meet other exceptions. Beneficiaries have paid into the Medicare system through payroll taxes over their working life. Medicaid’s beneficiaries are low to moderate income individuals. This program is dependent on income. Premiums: Part A- Most people receive [...]

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A Look at the Market – September 2023 Update

By |2023-10-11T09:59:15-05:00October 11th, 2023|Investment Management, Retirement, The Blog @JGUA|

Up until September, the stock market had been having a great year rebounding 15% from the bear market of 2022. Then September came and the S&P 500 index dropped 5%. The narrative from investors changed from “peak interest rates” to “higher interest rates for longer” to “higher interest rates forever”. This new environment is [...]

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Mastering Tax Loss Harvesting: A Strategic Guide to Lowering Your Tax Liability and Boosting Your Investments

By |2023-10-17T13:09:06-05:00October 10th, 2023|Investment Management, Retirement, The Blog @JGUA|

You may have heard of the phrase “tax loss harvesting” in the context of sales of stocks or other investments, and wondered exactly what it means.  Tax loss harvesting generally refers to selling investments (i.e. capital assets) at a loss, specifically timing them so that they offset gains (both capital and ordinary) in the [...]

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Financial Planning for the Sandwich Generation

By |2023-10-03T09:33:52-05:00October 3rd, 2023|Retirement, The Blog @JGUA|

I’m partial to the classic PB&J. Now mind you, it has to be freshly made (morning preparation for a noon lunch will not do, too soggy) and constructed properly, two slices of a good hearty bread with peanut butter thickly spread on both slices, and a dollop of fruit preserves in the middle (apricot is [...]

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Navigating Your Retirement: Common Pre- and Post-Retirement Pitfalls

By |2023-10-17T13:05:33-05:00September 26th, 2023|Retirement, The Blog @JGUA|

Retirement is a very significant milestone that requires careful planning to ensure you are comfortable in your golden years. Whether retirement is coming up in the next few years or you have already retired, avoiding common mistakes can save you a lot of headache and sleepless nights. In this article, we are going to [...]

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Prior Income Determines Your Medicare Premium

By |2023-09-20T08:46:22-05:00September 19th, 2023|Retirement, The Blog @JGUA|

Did you know that you may have to pay a higher premium for Medicare Part B and Medicare Part D based on a tax return from two years ago? Medicare Part B and Part D use a two-year clawback to determine premiums. The result is a surcharge, known as the Income Related Monthly Adjustment [...]

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The Real Cost of Not Enrolling in Medicare When Eligible

By |2023-09-13T12:48:47-05:00September 13th, 2023|Retirement, The Blog @JGUA|

Medicare is confusing. The main Medicare coverages are Medicare Part A, Medicare Part B, and Medicare Part D. On top of that, there are also optional Medicare supplement and advantage plans. To make things more confusing, you could get stuck with a late enrollment penalty for all your main Medicare coverages. This can happen [...]

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Helping Your Parents Age Gracefully – Care

By |2023-09-07T10:06:52-05:00September 5th, 2023|Retirement, The Blog @JGUA|

In a perfect world your parents would not need any help as they age gracefully, but we well know this is not a perfect world. There are some seniors who are mentally sharp and physically spry well into their nineties. But this is not typical. As they age, most seniors will need some help [...]

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To Rent or Buy: Navigating The Crossroads of Homeownership

By |2023-09-07T08:37:08-05:00August 29th, 2023|The Blog @JGUA|

Are you facing a complicated decision to rent or buy a home? If yes, you are not alone. Since starting my career in the financial services industry, I am often asked questions about the real estate market. In some regions, the cost of renting a home exceeds the mortgage payment, while in others it [...]

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