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Bond Market Update
Interest rates continued to march higher in the third quarter. In July the Federal Reserve raised the Fed Funds rate for the tenth time to ...
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Estate Taxation: An Ever-Changing Landscape
Estate taxes combine both of Benjamin Franklin’s often-quoted certainties: death and taxes. However, estate taxes are far from a certainty for most Americans. Federal estate ...
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Bond Market Update
Interest rates resumed their uptrend in the second quarter after having declined earlier this year. The collapse of two large banks had given hope to ...
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Securing Their Future – Investing for Kids
There are specific financial products and special considerations for planning and investing when there are children in our lives, including grandchildren, nieces and nephews, or ...
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Social Security — How Secure Is It?
If one was to read only the headlines of articles written to describe the future of our Social Security system, one could be excused for ...
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Bond Market Update
Early in the year bond yields declined along with an improved stock market on hopes the Federal Reserve would slow its pace of rate increases. ...
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Bond Market Update
The year 2022 saw interest rates increase across all maturities as inflation soared to levels not seen in several decades. What had been considered transient ...
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SECURE Act 2.0 – The Sequel – Is Now Law
In the last few days of 2022, the Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 was passed by Congress and signed by ...
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Paying for Long-Term Care
As you navigate retirement and the aging process for yourself or a family member, it can be daunting to figure out how to cover the ...
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How Investments are Taxed
If you are asked which marginal tax bracket you are in, there are usually two answers: one rate for ordinary income and a lower rate ...
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Secure Act 2.0–The Sequel
According to the professional services firm, PwC: “A quarter of US adults have no retirement savings and only 36% feel their retirement planning is on ...
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The Top 529 Education Savings Plans of 2021
Parents, as you begin the process to plan and save for college expenses, you may find this article by Morningstar on The Top 529 Education ...
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Bond Market Corner
The bond market continued to surprise investors during the fourth quarter. Despite investors’ fears of higher interest-rates, longer term bond yields have maintained their low ...
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7 Common Estate Planning Mistakes
Estate planning is more than having a will or a trust, a power of attorney and a medical directive, which most of us do with ...
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Charitable Giving in 2021 and Beyond
“Giving Tuesday” was November 30th this year, but you have until December 31st to make charitable contributions that qualify for a 2021 tax deduction. With ...
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The World of Insurance
By definition, insurance is “coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril.” A ...
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The Impact of Divorce on Retirement Planning
For many people, planning for a comfortable retirement is a long term challenge. A divorce can make it even more challenging. What had been a ...
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Why the Inflation Rate Doesn’t Tell the Whole Story
Markets, economists and policymakers have been fretting about inflation for months, worried that the trillions of dollars being spent in recent and future government stimulus ...
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Using a Charitable Remainder Trust to Leave Your IRA to Your Children…And To Charity
IRA accounts, which for many of us started as annual $2,000 contributions in the early 1980s, have grown to be major factors within the estate ...
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US Economic Revival
Market Insights/April 6, 2021 On the third business day of every month, IHS Markit releases a Purchasing Managers’ Index (PMI) for more than 40 worldwide ...
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Investing for a Child: UGMA/UTMA Accounts vs. 529 Plans
UGMA (Uniform Gifts to Minors Act) and UTMA (Uniform Transfers to Minors Act) accounts allow the transfer of financial assets to a minor without establishing ...
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Protecting Your Financial Information Online
More consumers are conducting financial transactions online and may become vulnerable to tracking, hacking, identity theft, phishing scams, and other cyberspace risks. While nothing can ...
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The Biden Agenda – What Can We Expect?
When Joe Biden was elected in November, there was a question of how much policy change there could actually be under the new Democratic president ...
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Charitable Giving in 2020 and Beyond
An update to this 2020 article was posted for 2021 Charitable Giving “Giving Tuesday” was December 1st this year, but you have until December ...
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What is Fiduciary Duty?
Fiduciary duty is a legal concept requiring individuals in certain professions – including lawyers, trustees, and investment advisers – to prioritize their clients’ best interests ...
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It’s Time to Get Started on Your 2020 Taxes
Even though your 2020 tax return will not be due until April 15, 2021, if you wait until after the new year to start thinking ...
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The Bond Market Corner – Fall 2020
In the third quarter, other than a modest steepening in the yield curve, the bond market essentially marked time. The 10-year US treasury note ended ...
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The Bond Market Corner – Summer 2020
The year 2020 started off with continued strong economic growth fueling the equity market to new highs. Bond yields remained low as inflation continued to ...
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Watch Out for “Tax Torpedoes”
Our tax laws include several tax triggers that are activated once certain income levels are reached. This tax concept is part of the progressivity in ...
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Tax Laws May Provide a Silver Lining during Market Downturns
With the deadline for filing 2019 federal tax returns postponed until July 15, and our main focus on staying healthy and safe, taxes are probably ...
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