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Delaware Statutory Trust Info Blog

This Delaware Statutory Trust blog is to help provide real estate owners the information needed to do a 1031 exchange into a Delaware Statutory Trust or DST. The Delaware Statutory Trust provides a means to defer your capital gains, provides passive monthly income, as well as participate in the appreciation of the dst properties when they are sold. After reading our Delaware Statutory Trust blog, if you have any questions, please go to our contact page - Delaware Statutory Trust Contact - or call our office directly at 805-583-2720 and we will help answer any 1031 exchange DST questions you have! 

Wednesday, March 4, 2026

As we welcome April, the Social Security Administration is marking National Social Security Month. This annual public awareness campaign is a wonderful opportunity to learn about how Social Security works and how to get more info about...

Wednesday, March 4, 2026

Although the IRS started accepting tax returns on January 26, 2026, some “soon-to-be” filers may have lingering questions about how to identify the new Trump accounts on their federal tax return. Here’s a recap of what’s known about...

Wednesday, March 4, 2026

With warmer weather here, many of us are looking ahead to summer vacation and travel. Whether you're flying south or taking a local trip, having an organized approach to your finances can make the experience more relaxing. This is a...

Wednesday, March 4, 2026

Is the “lock in” breaking, or are homeowners going to double down on their low-cost mortgages?The most recent stats show that 20 percent of home borrowers now have mortgages with an interest rate over 6 percent, indicating they have...

Wednesday, March 4, 2026

The arrival of spring often brings that strong urge to start fresh. This season of renewal is a great reminder to apply the same focus to your personal finances. After all, your overall strategy should help align your goals with your...

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Tuesday, January 27, 2026

Warren Buffett’s quotes have provided clarity during confusion over the years.But his final act speaks louder than any expression. He did nothing.As CEO, Buffett had nearly $400 billion in cash to spend in 2025. But he found no...

Tuesday, January 27, 2026

Have you ever heard the Wall Street adage, "Stocks climb a wall of worry"?It means that stock prices have historically trended higher when investors worry about economic issues, geopolitical uncertainty, or, in this case, a possible...

Tuesday, January 27, 2026

When you see the word “forecast,” it should be closely followed by, “Forecasts are based on assumptions and are subject to revisions over time. Financial, economic, political, and regulatory issues may cause the actual results to...

Tuesday, January 27, 2026

I wanted to bring to your attention recent important changes to 529 plans that may impact your college savings strategy. Leftover funds in 529s can now be moved to Roth IRAs. However, there are many requirements and restrictions to...

Tuesday, January 27, 2026

As tax season approaches, a little early organization may help things feel more manageable. This time of year often brings a steady flow of paperwork, deadlines, and decisions, so this message is simply a supportive reminder to help...

Tuesday, January 27, 2026

The Internal Revenue Service recently released new limits for 2026. Although these adjustments won’t bring any major changes, there are some minor elements to note.Individual Retirement Accounts (IRAs)IRA contribution limits are up...

Tuesday, January 27, 2026

Interest rates. Inflation Fears. Political Events. International Developments. During the past year, every one of these events have influenced stock prices. So when you hear that the financial markets are reacting to the news once...

Tuesday, January 27, 2026

With tax season on the horizon, a little preparation now can make the process much smoother later. This time of year often brings plenty of paperwork and deadlines, so consider this a friendly nudge to start gathering what you’ll need...

Monday, December 15, 2025

The holidays are here and gone, and with them, it must be said, a considerable amount of money. Not all of it is money that folks intended to spend. One survey found that 62 percent of Americans admitted that if a holiday deal is good...

Monday, December 15, 2025

I wanted to bring to your attention recent important changes to 529 plans that may impact your college savings strategy. Leftover funds in 529s can now be moved to Roth IRAs. However, there are many requirements and restrictions to...

Monday, December 15, 2025

It seems like just yesterday the Fed was all about inflation. So why are Jerome Powell & Crew now talking about jobs? A look inside ADP’s November report shows why they are looking past inflation (for the moment) and focusing on the...

Monday, December 15, 2025

As the Federal Reserve guides short-term rates lower, many homeowners and prospective buyers are understandably curious about its implications for mortgage rates. While the Fed's decision reflects its concern about the broader...

Monday, December 15, 2025

At times, 2025 felt like an extraordinary year for stock investors. From tariff uncertainty to international tensions to drama at the Fed, 2025 felt like no other year before. But in hindsight, 2025 was pretty ordinary. In fact, from...

Monday, December 15, 2025

As tax season approaches, a little early organization may help things feel more manageable. This time of year often brings a steady flow of paperwork, deadlines, and decisions, so this message is simply a supportive reminder to help...

Monday, December 15, 2025

The Social Security Administration recently announced that 71 million Americans, including Social Security and Supplemental Security Income beneficiaries, will receive a 2.8 percent increase in their benefits for 2026.1 However, it is...

Monday, December 15, 2025

The Internal Revenue Service recently released new limits for 2026. Although these adjustments won’t bring any major changes, there are some minor elements to note. Individual Retirement Accounts (IRAs) IRA contribution limits are up...

Monday, December 15, 2025

When the One Big Beautiful Bill (OBBB) Act was passed on July 4, the legislation left several unanswered questions that the IRS is now addressing. The IRS undergoes this process every year, but this time around, the OBBB has added to...

Monday, December 15, 2025

Interest rates. Inflation Fears. Political Events. International Developments. During the past year, every one of these events have influenced stock prices. So when you hear that the financial markets are reacting to the news once...

Friday, October 3, 2025

The Free Application for Federal Student Aid (FAFSA) for the 2026–27 school year is scheduled to open on October 1. Students who submitted during the recent beta window do not need to resubmit when the form officially opens.1 Key...

Friday, October 3, 2025

What happens during a government shutdown, and how might this affect you? Unless the government employs you or you are planning a trip to the Smithsonian, you might not even notice. Social Security checks will arrive as scheduled, and...

Friday, October 3, 2025

As we approach the end of the year, it’s an opportune time to review and optimize your financial and tax strategies. Here are some key considerations: 1. Tax-Advantaged Accounts: Contribute fully to retirement accounts, including any...

Friday, October 3, 2025

The Fed lowered short-term interest rates at its September 2025 meeting, but the question on most people’s minds is, “What’s in it for me?” That’s a fair question, so here are some ideas to consider. First-wave changes: Any loan...

Friday, October 3, 2025

You've likely heard about the "One Big Beautiful Bill Act," which was signed into law on July 4, making many of the 2017 Tax Cuts and Jobs Act provisions permanent. Given the bill's length (887 pages) and complexity, we wanted to help...

Friday, October 3, 2025

“Adjusted for inflation” is a phrase you may think isn’t important. But when you see it in action, you might change your mind. Let’s examine how “adjusted for inflation” has affected a couple of tax rules and their impact on Social...

Friday, October 3, 2025

Every financial decision you make has tax implications. You need to be able to work with someone who can confidently and successfully navigate both the ups and the downs of the markets as well as the ever-changing role taxes play in...

Friday, October 3, 2025

Diversification is widely recognized as a powerful strategy for managing risk in an investment portfolio. However, there is a common misconception that working with multiple Financial Professionals also diversifies risk. In reality,...

Tuesday, September 9, 2025

From Sept. 15 to Oct. 15 we celebrate National Hispanic Heritage Month. It’s time to honor the culture and contributions of the Hispanic and Latin Americans that make up our great nation. National Hispanic Heritage Month started as a...

Tuesday, September 9, 2025

While it may not be as exciting as investment planning or retirement strategies, insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting...

Tuesday, September 9, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy. Here are five...

Tuesday, September 9, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy. Here are five...

Tuesday, September 9, 2025

Managing wealth for high-net-worth households involves more than just focusing on investments and returns. As your estate grows, the complexity of managing it increases, requiring a broader set of strategies. Insurance and risk...

Tuesday, September 9, 2025

Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk...

Tuesday, September 9, 2025

Much time has passed since the events of September 11, 2001, and while in some ways it feels like a lifetime ago, the memory remains painfully fresh in my mind. An attack on U.S. soil. The loss of thousands of lives. In the wake of...

Tuesday, September 9, 2025

It’s time for your life insurance checkup. September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1 If you don’t have any life insurance, you’re not alone. Life insurance is one of those...

Tuesday, August 26, 2025

Americans seem upbeat about retirement, with more people preparing to retire at 70, according to the latest Employee Benefit Research Institute (EBRI) study. Sometimes, though, reality gets in the way: the same survey found that 40...

Tuesday, August 26, 2025

On July 4, 2025, a major new tax law—the “Make American Workers and Families Thrive Again Act”—was signed into law. This wide-reaching legislation updates many parts of the 2017 Tax Cuts and Jobs Act, which were set to expire at the...

Tuesday, August 26, 2025

During the most recent round of shareholder calls, CEOs had one big question to answer: “What’s going on with tariffs?” In earlier quarters of 2024, the focus was on inflation and artificial intelligence. But this time, the spotlight...

Tuesday, August 26, 2025

Managing your traditional or Roth IRA each year is a powerful step toward building your retirement strategy. In 2025, you can contribute up to $7,000—or $8,000 if you're 50 or older (depending on your modified adjusted gross income)....

Tuesday, August 26, 2025

We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...

Tuesday, August 26, 2025

There’s something for everyone in the One Big Beautiful Bill Act of 2025. In fact, the Tax Foundation calculated that the new law avoided a tax hike on 62 percent of tax filers in 2026. In dollars and cents, that works out to almost...

Tuesday, August 26, 2025

Hardly a day goes by that someone doesn’t say to me, “I’m putting off a decision until the Fed changes interest rates.” But I’m quick to remind people that the “rate dominoes” don’t always fall as you may expect. Here’s what could...

Tuesday, August 26, 2025

The Federal Reserve has what’s called a "dual mandate"—keep everyday prices stable while promoting an economy that creates jobs. Managing that dual mandate is becoming more challenging this year, with prices and jobs giving mixed...

Tuesday, August 26, 2025

Just before the July 4th holiday, Congress passed a domestic policy bill that extended the 2017 tax cuts that were set to expire this year while making some of the 2017 rules permanent. The bill also created several new tax laws for...

Tuesday, August 26, 2025

On July 4, 2025, a major new tax law—the “Make American Workers and Families Thrive Again Act”—was signed into law. This wide-reaching legislation updates many parts of the 2017 Tax Cuts and Jobs Act, which were set to expire at the...

Tuesday, April 22, 2025

We’ve all been there. You’re scrolling through your phone, computer, or tablet, and a notification pops up. “Update Me!” While that isn’t the exact wording, the meaning is the same. Something wants to be updated to the most recent...

Tuesday, April 22, 2025

I’d like to tell you about a new value-added service I offer ... one that may prove useful to you, and your family and friends. *Are you looking to enroll in a Medicare Advantage or supplement plan during this year’s Annual Enrollment...

Tuesday, April 22, 2025

Perhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself. Sure, it can be difficult to think about life...

Tuesday, April 22, 2025

As I work with you to help you invest and prepare for your retirement goals, may I help you in other ways? I mention this because retirement and financial strategies represent a portion of what I do. I also offer and provide insurance...

Tuesday, April 22, 2025

As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...

Tuesday, April 22, 2025

You may have heard the saying, “inflation hurts savers and benefits borrowers.” The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money was initially...

Tuesday, April 22, 2025

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can feel daunting. When it...

Tuesday, April 22, 2025

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched doctors,...

Tuesday, April 22, 2025

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Tuesday, April 22, 2025

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Tuesday, April 22, 2025

In the next few months, you will be newly eligible for Medicare. That means considering your coverage options.Should you sign up for traditional Medicare? If you do, should you complement it with a Medigap policy? Or should you opt...

Tuesday, April 22, 2025

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage. Have you switched doctors,...

Tuesday, April 22, 2025

If you’re like most of us, you’ve probably been thinking about your health quite a bit lately — especially if you’re approaching retirement. Trust me, I understand. Anticipating your future medical costs can feel daunting. When it...

Tuesday, April 22, 2025

I’d like to tell you about a new value-added service I offer ... one that may prove useful to you, and your family and friends. *Are you looking to enroll in a Medicare Advantage or supplement plan during this year’s Annual Enrollment...

Tuesday, April 22, 2025

Have you enrolled in Medicare, or are you considering it? If so, you should know that anyone who receives Medicare is eligible to receive Medicare Part D prescription drug coverage. However, if you don’t enroll for that coverage at...

Tuesday, April 22, 2025

We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very...

Tuesday, April 22, 2025

Are you happy with your current financial professional? Have they met with you to discuss how recent market fluctuations could affect your financial plans? When was the last time the two of you sat down to really discuss goals? It’s...

Tuesday, April 22, 2025

Do you know the name of the professional handling your investment? When was the last time you got a call or email from them? Has your investment been assigned to someone you’ve never even heard of – a total stranger who never bothers...

Tuesday, April 22, 2025

Are Your Financial Gifts Costing You? Know the financial gift limits to avoid unnecessary taxes. You might have heard about financial gift limitations and wondered if that’s something that applies to the financial gifts you give your...

Tuesday, April 22, 2025

Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances. Explore...

Tuesday, April 22, 2025

Try these 5 strategies to gain financial health. Being financially healthy looks different for everyone and every life stage. But what almost everyone can agree on are the benefits of creating positive habits to improve the health of...

Tuesday, April 22, 2025

In today’s low interest rate environment, it rarely pays to keep extra cash on the sidelines, outside of household spending and emergency funds. With interest rates on debt at two to three times higher than the average bank...

Tuesday, April 22, 2025

A common misconception about legacy planning is that only the very wealthy leave legacies. But nothing could be further from the truth. That’s because your legacy is about far more than the money or assets you leave to loved ones or...

Tuesday, April 22, 2025

Knowing which financial and personal paperwork to keep or toss is very important. Here’s a suggested timeline for keeping/shredding documents. Documents that should be kept indefinitely in a secure location: Birth/death certificates...

Tuesday, April 22, 2025

Did you know that money saved today is more valuable than money saved tomorrow? That’s due to the amazing power of compounding. To determine how quickly your savings may double, simply divide 72 by your current annual rate of return...

Tuesday, April 22, 2025

Taxes play an important role in your investment strategy, regardless of your tax bracket. That’s why it’s important to understand how short- and long-term term capital gains can impact your investments over time. Read the following...

Tuesday, April 22, 2025

If you’re wondering when is the best time to convert a traditional IRA to a Roth IRA, the following information may help. Roth IRA conversions typically make the most sense for older retirement plan investors, who tend to be in higher...

Tuesday, April 22, 2025

Scary movies might be fun to some, but there’s nothing fun about a dark financial future. If your fear of finances is holding you back and you’re worried about braving the unknown, review this list of financial statistics and ways to...

Tuesday, April 22, 2025

Mid-year is an excellent time to reassess your financial strategies and make sure you’re taking advantage of opportunities to reduce your tax liability. That begins with understanding the “ADCs” of reducing your tax burden: Avoid:...

Tuesday, April 22, 2025

When was the last time you checked your credit score? If it’s been more than a year, you may want to make a quick note to yourself to check it soon. What Impacts Your Credit Score? Over time, your credit score changes—for better or...

Tuesday, April 22, 2025

No one wants to think about something tragic happening to a family member, but unfortunately the unexpected can happen. Learn how everyone from young professionals to active parents can take action to protect their loved ones....

Tuesday, April 22, 2025

Mutual funds and annuities are two popular vehicles for retirement strategy, but they differ in a few key ways. Evaluate your risk tolerance, liquidity needs, and investment goals (both long and short) to decide what your best...

Tuesday, April 22, 2025

There are many common money misconceptions out there, which if believed, could negatively impact your financial strategy. Let’s review some of the most frequently cited and debunk the myths. Myth #1: The Stock Market Is Too RiskyIt’s...

Tuesday, April 22, 2025

Rolling over the assets in your workplace retirement plan to an IRA can be a great move. IRAs typically offer more investment choices while allowing you to continue accumulating earnings on a tax-deferred basis. However, making a...

Tuesday, April 22, 2025

If you’re an employee, you may have access to a convenient, tax-advantaged retirement savings program that was created to help you prepare for your financial future. Here’s how contributing to an employer-sponsored retirement plan may...

Tuesday, April 22, 2025

The new year is a great time to reassess saving and spending habits and establish new goals. Developing a budget can help you succeed. You may already have one, but are you taking full advantage of it? Chances are it may need a little...

Tuesday, April 22, 2025

Are you saving for the future? People often come to me asking for financial guidance. Some want to know how to invest or diversify the money they’ve saved, but others admit to me they’re just not sure how to save. If you’ve been...

Tuesday, April 22, 2025

As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by providing...

Tuesday, April 22, 2025

When we think of emergency preparedness, flashlights, bottled water, and first aid kits immediately come to mind. While having a physical emergency supply kit on hand is an important first step when disaster hits, being financially...

Wednesday, April 16, 2025

Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...

Wednesday, April 16, 2025

Budgeting is a powerful first step on the path to building wealth as a young investor. By establishing mindful financial habits now, you can build a solid foundation to support your long-term financial goals. Here are ten budgeting...

Wednesday, April 16, 2025

What if you could grow your wealth while contributing to a better world? Socially responsible investing (SRI), also known as impact investing, can help position you to do just that. SRI is an investment philosophy that prioritizes...

Wednesday, April 16, 2025

If you find yourself simultaneously raising your own children while tending to your parents as they grow older, you’re not alone. Often aptly referred to as “the sandwich generation,” it’s at this unique stage that you're sandwiched...

Wednesday, April 16, 2025

Are Streaming Services Keeping You From Retiring? We all love our streaming services. It might have started with just one, but as more are created, and you add shows to your must-see list, you shell out more and more each month to...

Wednesday, April 16, 2025

Take Precautions to Protect Your Investments If you’re one of the many people who has decided to purchase a property to diversify your investments, it’s important to protect your investments and personal assets. Through using...

Wednesday, April 16, 2025

LEARN ABOUT THE DIFFERENCE BETWEEN WILLS AND TRUST You may not know the difference between a will and a trust. As you're estate planning, you should know your options and the proper tools to achieve your asset distribution goals....

Wednesday, April 16, 2025

AND LEARN HOW THEY CAN IMPACT YOU If you have a retirement account set up and you're making regular contributions, that's great! There may come a time when you need to move these retirement savings from one account to another, and...

Wednesday, April 16, 2025

Imagine growing your wealth while also making a positive impact on the world. Socially responsible investing (SRI), or impact investing, allows you to achieve this by focusing on companies that prioritize environmental sustainability,...

Wednesday, April 16, 2025

THE REWARDS THAT COME WITH CHARITABLE GIVING Some charitable contributions are 100% tax deductible, while others you can't deduct from your taxes. If you want to maximize your tax savings through charitable giving, it's important to...

Wednesday, April 16, 2025

Who Should Consider A High Deductible Health Plan? What is a High Deductible Health Plan? A High Deductible Health Plan (HDHP) is a government Marketplace health plan with an annual deductible of at least $1,400 for an individual or...

Wednesday, April 16, 2025

One of the more awkward estate planning topics—but also one of the most important—involves powers of attorney. At some point before our deaths, many of us will become physically and mentally unable to manage our own affairs. It’s...

Wednesday, April 16, 2025

It’s no secret that college tuition is on the rise. In fact, the U.S. Department of Education predicts that by 2030 that annual public tuition will be around $44,000, which means that a four-year degree will cost around $205,000. Your...

Wednesday, April 16, 2025

Determining the right type of life insurance for your family’s needs can be confusing and complex. Do you need term, permanent, or a combination of the two? Do you need whole, universal, or variable life? Term insurance is used for...

Wednesday, April 16, 2025

Did you know that allocating a portion of your portfolio to purchase a life insurance death benefit can help offset market losses? That’s because life insurance complements other asset classes, such as stocks and bonds, helping to...

Wednesday, April 16, 2025

6 Questions to Ask When Planning for Retirement Financial security in retirement doesn’t happen by accident. Planning for a financially independent retirement involves more than just putting money away into a savings account and...

Wednesday, April 16, 2025

There’s good news for the growing number of Americans approaching retirement age who are ready to scale back, but aren’t ready to completely stop working: Work-from-home jobs give you more options than ever before, whether you’re...

Wednesday, April 16, 2025

Turning 65 means you’re now eligible to receive Medicare benefits. But sorting through the Medicare alphabet can be challenging. How do you get started and what do you need to know before you enroll? The first step is to visit the...

Wednesday, April 16, 2025

Whether you’re receiving Medicare benefits now, or will begin soon, it’s important to understand how income-based premiums are calculated for Medicare Parts B and D. Your premium is determined by your modified adjusted gross income...

Wednesday, April 16, 2025

At age 66, you qualify for full Social Security benefits—but not necessarily your maximum benefit. If haven’t already begun receiving Social Security benefits, it’s important to understand why it may be advantageous to wait before...

Wednesday, April 16, 2025

Required minimum distributions (RMDs) are an important part of retirement. Calculating them across one or multiple retirement accounts can be complicated and, if not done properly, can result in tax penalties. Here’s what you need to...

Wednesday, April 16, 2025

As you near retirement, you may already know that some of your retirement income will be taxed, but some of it won’t be. You’ll want to know the difference when estimating how much money you’ll receive in retirement. For your 60s...

Wednesday, April 16, 2025

Retirement plan distribution options for beneficiaries of IRA, 401(k), or similar qualified plans are complex and varied. If you're in the process of choosing beneficiaries for your retirement and estate plans, it’s important to...

Wednesday, April 16, 2025

Prepare Your Family For The Future Start Discussing Your Estate Plan It can be a difficult subject to bring up, but talking to your family about your estate plan is a gesture that allows your family members to stay up to date on your...

Wednesday, April 16, 2025

Did you know that determining whether your Social Security earnings record is correct falls squarely on your shoulders—not your current/previous employer(s) or the Social Security Administration? Accuracy is critical because your...

Wednesday, April 16, 2025

Whether you haven't started saving for retirement—or simply haven’t saved enough—don’t get discouraged! The adage is true: it’s never too late to begin saving or to save more. Even if you can only put a small amount away each month in...

Wednesday, April 16, 2025

Did you know that an increasing number of retirees pay federal income tax on their Social Security benefits each year? That’s because Social Security benefits become taxable when a retiree’s income exceeds certain limits. Since the...

Wednesday, April 16, 2025

Did you know that an increasing number of retirees pay federal income tax on their Social Security benefits each year? That’s because Social Security benefits become taxable when a retiree’s income exceeds certain limits. Since the...

Wednesday, April 16, 2025

Determining how much money to set aside for health care costs in retirement is complicated and will differ from one person to the next. Variables like your personal and family medical history should be considered, as well as the...

Wednesday, April 16, 2025

During sustained bull market periods, it’s easy to forget that the financial markets have a habit of correcting themselves from time to time. While corrections are a healthy way for the markets to restore equilibrium, they’ve been...

Monday, April 14, 2025

Your next loan could have more favorable terms. In a world that's moving away from cash and becoming more dependent on credit, you've likely heard financial institutions talk about the importance of credit scores. Whether it was in...

Monday, April 14, 2025

6 Tips for Paying Off College Debt Get ahead of paying off your student loans. For many, student loans are a necessary debt—a means of paying for college and earning a degree that could potentially put life-changing career aspirations...

Monday, April 14, 2025

Impact Social Change Through Investing Choosing Investments Based on Social Responsibility For many people, the decision about what companies to invest in comes down to growth, profits and dividends. There’s nothing wrong with wanting...

Monday, April 14, 2025

Scary movies might be fun to some, but there’s nothing fun about a dark financial future. If your fear of finances is holding you back and you’re worried about braving the unknown, review this list of financial statistics and ways to...

Monday, April 14, 2025

Many parents feel saving for their kids’ college costs is just as important as saving for their own retirement. It’s an understandable but potentially dangerous mindset. Yes, the cost of college is rising, but it will always be just a...

Monday, April 14, 2025

It’s no secret that college tuition is on the rise. In fact, the U.S. Department of Education predicts that by 2030 that annual public tuition will be around $44,000, which means that a four-year degree will cost around $205,000. Your...

Monday, April 14, 2025

As a good steward of your money, you understand the importance of paying off credit card debt, but you also know you need to save aggressively for retirement. However, determining which should be your first priority can be perplexing....

Monday, April 14, 2025

To help you prepare for the cost of college, there are options to help you save. Planning ahead for college savings can keep you from resorting to using your retirement funds for education spending when the time comes. Here’s an...

Monday, April 14, 2025

Married? Should You File Jointly or Separately Some big changes come with getting married, and that includes your taxes. For the first time, you have the option to file jointly or separately. How romantic! While the IRS recommends...

Monday, April 14, 2025

Rolling over the assets in your workplace retirement plan to an IRA can be a great move. IRAs typically offer more investment choices while allowing you to continue accumulating earnings on a tax-deferred basis. However, making a...

Monday, April 14, 2025

Perhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself. Sure, it can be difficult to think about life...

Monday, April 14, 2025

It’s so important to protect yourself and your family from identity theft before, during, and after your trip. Here are some pointers for keeping your personal information safe from fraudulent activity: Book with credible companies....

Monday, April 14, 2025

Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a Preferred...

Monday, April 14, 2025

The first step in creating a plan to pay for a child’s college education is to determine what that education is likely to cost. College is already expensive, and it’s been well publicized that college costs increase at about twice the...

Monday, April 14, 2025

Interest rates are the price tags for borrowing money. It's the extra amount you owe on top of the original loan. Dreaming of buying a home? Learn more about how changing interest rates can affect your mortgage payments. Rate...

Monday, April 14, 2025

What can we plan together? For many clients, the April tax filing deadline marks the end of tax discussions for the year. You may have different questions or life-events that arise throughout the year, making it beneficial to have...

Monday, April 14, 2025

What can we plan together? Thinking of changing jobs or already making the transition? Even under the best circumstances, making a career move requires a series of tough decisions, including what to do with the money in your...

Monday, April 14, 2025

What can we plan together? Like many clients, you might have questions and concerns about your finances that go beyond your tax and accounting needs. We can work together to create a stronger financial future for you and your loved...

Monday, April 14, 2025

What can we plan together? Aside from your tax strategy, do you have a financial strategy in place? A holistic strategy is your roadmap to your financial future—helping you define where you are today financially, where you want to go...

Monday, April 14, 2025

What can we plan together? It would be a lot easier if investing for retirement could simply be “set and forget,” but in reality, your investment strategy should shift over time and with changing life circumstances. Otherwise, you...

Monday, April 14, 2025

What can we plan together? Helping you navigate the complexities of the tax code and keep more of the money you’ve earned is incredibly rewarding, and it’s a pleasure to have you as a client. But there may be more we can plan together...

Monday, April 14, 2025

Our most important goal as a financial services business is to take care of our customers’ financial needs through amazing customer service. As a key partner to an individual’s financial strategy, you’re engaging in conversations with...

Monday, April 14, 2025

For many clients, the April tax filing deadline marks the end of tax discussions for the year. As you well know, tax planning throughout the year can help them prepare for changes as well as help lessen their tax burden. When trusted...

Monday, April 14, 2025

Make More Residual Income Are you looking for more ways to make more money but are already spending 40 hours a week at your regular job? Residual income could be the answer you're looking for! We're going to let you in on four ways...

Monday, April 14, 2025

Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances. Explore...

Monday, April 14, 2025

8 Financial Terms You Need to Know As you start out in life, your finances can seem overwhelming. How can you start saving money? Taking out loans? Financing a house? Before you can set attainable goals for yourself, you have to have...

Monday, April 14, 2025

By nature, emergencies are unpredictable. That’s why it’s so important for your emergency savings to be readily accessible when you need fast access to cash. Yet, many people “lock up” cash and short-term savings in time-deposit...

Monday, April 14, 2025

College savers often wonder whether saving too much can hurt their kids’ chances of receiving financial aid. It’s a complicated topic, and the answer will vary from family to family. In general, saving a significant amount in a 529...

Monday, April 14, 2025

Reduce Your Credit Card Debt Credit card debt doesn't have to keep you from fulfilling your financial goals. Not all debt is bad. Mortgage and auto loans are often necessary, but credit card debt can be sneaky – it usually starts...

Monday, April 14, 2025

Prepare Yourself as a First-Time Homebuyer You’ve decided to buy your first home. That’s great! This is a big financial decision that likely took a lot of time and energy to make. With this decision comes an investment opportunity,...

Monday, April 14, 2025

Everybody wants to save on their taxes. If you think tax-saving strategies are too complicated, you could be missing out on tax savings. There are a few simple tax-saving strategies available to nearly everyone. Tax planning is more...

Monday, April 14, 2025

Why Should You Invest in a 401k? There are so many other things to think about besides saving for retirement. You, like so many people, may want to avoid worrying about it until you have the rest of your financials in order. “I can...

Monday, April 7, 2025

In this commentary, the Cetera Investment Management Team discusses China’s retaliatory tariffs and the market’s reaction. They note both the U.S. and the Chinese tariffs don’t go into effect until next week allowing time for further...

Monday, April 7, 2025

Quarterly Recap First Quarter 2025 At-A-Glance The S&P 500 extended its 1.3% February loss, to end the first quarter down nearly 4.3% which is 8.66% below its Feb 19 record high. The S&P 500 fell 5.63% in March, its largest monthly...

Monday, April 7, 2025

Monthly Recap Market Indices At-A-Glance The S&P 500 extended its 1.3% February loss, to end the first quarter down nearly 4.3% which is 8.66% below its Feb 19 record high. The S&P 500 fell 5.63% in March, its largest monthly decline...

Monday, April 7, 2025

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest Fed-O-Meter used to determine if the Fed is being more...

Monday, April 7, 2025

Cetera Investment Management is pleased to release its 2025 Second Quarter Outlook, “Steering Through Uncertainty”. In this outlook, they discuss how early year optimism around AI spending and pro-growth policies soon shifted to...

Monday, April 7, 2025

Cetera Investment Management is pleased to release its 2025 Second Quarter Outlook, “Steering Through Uncertainty”. In this outlook, they discuss how early year optimism around AI spending and pro-growth policies soon shifted to...

Monday, April 7, 2025

On December 27, 2024, the Employee Benefits Security Administration, under the U.S. Department of Labor, launched its new Retirement Savings Lost and Found Database, a tool designed to help U.S. workers and their beneficiaries locate...

Monday, April 7, 2025

Managing cash flow in retirement is critical for ensuring your essential and nonessential expenses are met throughout your lifetime. Yet, events outside of your control, such as a change in health status, sudden market downturn,...

Monday, April 7, 2025

Cetera Investment Management is pleased to release its annual Market Outlook for 2025 titled, "The Great Moderation: Riding a Wave of Economic Stability". This coming year could end up being known as the “Great Moderation” as they...

Monday, April 7, 2025

It’s hard to believe the first few weeks of the year have already flown by! As you settle in today—whether you’re cozied up by a fire or enjoying the crisp outdoor air—take a moment to reflect on where you are and consider the year...

Monday, April 7, 2025

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...

Monday, April 7, 2025

As the recovery process continues, I’d like to help you focus on long-term financial resilience. While this has been a tough experience, it’s also an opportunity to strengthen your preparedness for the future. Here’s how I can help:...

Monday, April 7, 2025

Today’s financial landscape is filled with opportunities, but many people still believe that building wealth through investing requires a rigid, one-size-fits-all approach. In reality, investing is a deeply personal process that...

Monday, April 7, 2025

Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals,...

Monday, April 7, 2025

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden. 1. Strategic Account Selection Strategically placing your assets in different...

Monday, April 7, 2025

Are you interested in a lasting impact on causes you care about while also unlocking potential tax benefits? Charitable trusts might be the solution. These powerful financial vehicles offer a unique means to align your philanthropic...

Monday, April 7, 2025

As you grow and manage your assets, you might start looking for ways to maximize returns while minimizing the taxes you owe. Tax-efficient investment strategies may help you keep more of your money and stay on track for the future...

Monday, April 7, 2025

It may seem counterintuitive, but one of the best ways to maintain wealth may be to give some of it away. The tax code is designed to encourage philanthropy that will support a wide range of worthy organizations. If planned correctly,...

Monday, April 7, 2025

Could your wealth be doing more for you? As an investor with numerous assets, you may be missing out on key strategies and solutions that would benefit your portfolio. I can help you create a customized investment portfolio focused on...

Monday, April 7, 2025

Money is a powerful tool that allows you to live your best life, but it should also protect against the unexpected detours we all experience on our journeys. I work with a team of experts in fields like long-term care and life...

Monday, April 7, 2025

You have achieved financial prosperity and you deserve to enjoy your success. To do that, you need a financial plan designed to protect your holdings while also avoiding the common risks that chip away at assets. For wealthy...

Monday, April 7, 2025

What do you want to do with your money? Provide for your family, fund your lifestyle, support causes that are important to you, build your legacy: the options are limitless. Whatever your plans, your next step must be to protect what...

Monday, April 7, 2025

What’s the secret to building and maintaining wealth? A comprehensive tax strategy to ensure you hold onto the wealth you have built throughout your lifetime. Tax laws can be notoriously complicated and hard to navigate, especially...

Monday, April 7, 2025

Your wealth has allowed you to enjoy a fulfilling lifestyle. It’s also given you the opportunity to help other people, organizations, and the causes you support. Your generosity will be a key component of your legacy. I want to be...

Monday, April 7, 2025

You’ve spent years building and protecting your wealth. Now it’s time to ensure your wealth becomes the legacy you envision with comprehensive trust and estate planning. Whether you want to provide for your loved ones, support causes...

Monday, April 7, 2025

Maximizing Benefits Before Tax Cut Provisions Expire The Tax Cuts and Jobs Act of 2017 (TCJA) made some of the most consequential tax law changes in decades. The most significant provision temporarily increased the unified lifetime...

Monday, April 7, 2025

Imagine creating a lasting legacy that supports the causes you care about while also unlocking potential benefits for you and your loved ones. Charitable trusts offer a unique opportunity to do both. What Is a Charitable Trust? A...

Monday, April 7, 2025

Weekly Recap March 31- April 4, 2025 Stocks Plunge Global Trade War Threatens Recession U.S. stocks plunged last week, driven by President Trump’s two-step tariff announcements. The wide-ranging trade duties have a baseline 10% tariff...

Monday, April 7, 2025

While President Trump’s more aggressive than expected tariff announcements last week led to dramatic selloff in the stock market, Chief Investment Officer Gene Goldman still sees some possible silver linings. He lays out three...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

Many states across the nation are passing legislation to provide workers with access to employer-sponsored retirement plans. It’s a huge step forward in helping people save, and we at Avantax are proud to be one of your options when...

Thursday, April 3, 2025

With tax season here, it's important to consider how tax-intelligent financial planning can lead to potential tax saving opportunities. By taking advantage of various strategies, such as IRA distributions and conversions, capital...

Thursday, April 3, 2025

Every stage of life brings new challenges and opportunities and planning for the future can be daunting. However, working with a Financial Professional can help you make the most of your current situation and prepare for what lies...

Thursday, April 3, 2025

As you gather documents for your annual tax preparation, it’s also the perfect time to holistically examine your financial situation. Over time I find that, for many people, needs change. Your goals and needs now may be more complex...

Thursday, April 3, 2025

A new tax year is here, bringing several impactful changes to standard deduction and child tax credit amounts, retirement plan contributions, and more. Here are three of the most important tax changes we’re keeping in mind as we...

Thursday, April 3, 2025

View this month's planning video as host Gene Bell discusses what’s new and important for taxpayers to be aware of as you prepare for filing season. Watch Video 

Thursday, April 3, 2025

Tax-Loss Harvesting A useful year-end move to counteract capital gains. Even though this may end up being a subpar year for stocks, you may realize capital gains, which is a taxable event. What can you do about them? You can do what...

Thursday, April 3, 2025

When your spouse passes away, are you prepared for the financial impact? Losing a spouse creates an emotional crisis for you and your family. What’s worse, it leaves many partners with financial uncertainty and questions like, “Do I...

Thursday, April 3, 2025

Are you financially prepared for retirement? You’ve spent your working life saving for the time when you can leave your career behind and enjoy your family, pursue hobbies or simply relax on the beach. But are you financially prepared...

Thursday, April 3, 2025

Working Hard but Looking Forward to the Next Stage in Life? You’re at that age when you find yourself thinking more and more about retirement. It’s really not that far away. Your kids are planning their careers and you’ve been saving...

Thursday, April 3, 2025

Bringing home a new baby? Are you financially prepared? Having a baby is an incredible experience, but it can also fill you with financial anxiety. No need to worry! Time is on your side. Developing a solid financial plan now will...

Thursday, April 3, 2025

What is an Annuity? What you should know about them. Individuals hold about $2.2 trillion in annuity contracts; a tidy sum considering an estimated $9.2 trillion is held in all types of IRAs.1 Annuity contracts are purchased from an...

Monday, March 31, 2025

Different types of investments can receive different tax treatments. By using a combination of tax-deferred and taxable accounts and by actively managing those accounts’ capital gains and losses, it’s possible to optimize your taxable...

Monday, March 31, 2025

How are you holding up? If you’re like many of us, you’re probably feeling some level of anxiety regarding the COVID-19 outbreak. And that’s okay. We’re living in a time when feeling helpless is understandable. Ultimately, what...

Monday, March 31, 2025

Interest rates. Inflation Fears. Political Events. International Developments. During the past year, every one of these events have influenced stock prices. So when you hear that the financial markets are reacting to the news once...

Monday, March 31, 2025

View this month’s planning video as host Emily Milsap, Manager of Financial Planning, explores the importance of proactively planning for children's education and how SECURE 2.0 has affected 529 plans. Watch Video 

Monday, March 31, 2025

View this month's video as host, Scott Schemmel, Avantax Retirement Solutions Consultant, discusses the importance of retirement plans for both business owners and employees, highlighting how they can secure financial futures and...

Monday, March 31, 2025

View this month’s planning video as host Ajustin Schaul, Head of Research at Avantax, discusses ETFs, explain what they are and provides some information to help you understand them better. Watch Video 

Monday, March 31, 2025

View this month's planning video as host, Rob Jackson, Vice President of Advisory Solutions at Avantax discusses tax-loss harvesting. Watch Video 

Monday, March 31, 2025

View this month’s planning video as host Dustin Mendenhall, Avantax Financial Planning Consultant, discusses the importance of education planning. Watch Video 

Monday, March 31, 2025

View this month's planning video as host Gene Bell discusses what’s new and important for taxpayers to be aware of as you prepare for filing season. Watch Video 

Monday, March 31, 2025

View this month's planning video as host, Jason Allen, Life Insurance Sales Specialist at Avantax, discusses a key piece of a comprehensive, tax-smart plan - risk management and insurance. Watch Video 

Monday, March 31, 2025

August 14th is National Financial Awareness Day, which is designed to encourage individuals and families to evaluate their finances and establish standards, goals, and a plan to build a solid financial future. View this month’s...

Monday, March 31, 2025

Your company’s 401k plan is likely the primary tool used by you and your employees to save for retirement. Run, properly, the plan can also help you tax-efficiently build wealth outside of your business for your retirement years....

Monday, March 31, 2025

In this month's planning video, Mark Jaeger, VP of Tax Operations at Avantax, talks about charitable giving and donor-advised funds and how they may impact your taxes. Watch Video 

Monday, March 31, 2025

Selling a business is a very personal decision. It can be difficult and overwhelming to know where to start when considering your future, your partners, your family, your employees and team, and your customers or clients. View this...

Monday, March 31, 2025

Weekly Recap March 24-28, 2025 Back to Equity Losses S&P 500 Down Fifth Time in Six WeeksU.S. equities finished sharply lower last week with Wall Street sentiment beset by elevated concerns over President Trump’s impending April 2...

Monday, March 31, 2025

Every financial decision you make has tax implications. You need to be able to work with someone who can confidently and successfully navigate both the ups and the downs of the markets as well as the ever-changing role taxes play in...

Monday, March 31, 2025

Diversification is widely recognized as a powerful strategy for managing risk in an investment portfolio. However, there is a common misconception that working with multiple Financial Professionals also diversifies risk. In reality,...

Monday, March 31, 2025

Building a business financial plan requires effort, good data and a fair amount of imagination. A good financial plan helps to keep you focused and on track as your company grows, when new challenges arise and when the unexpected...

Monday, March 31, 2025

Whether we are working on tax-focused investment strategies, retirement planning or legacy planning, optimizing cash flow is a key factor that continues to power all other areas of your financial plan. While cash flow is a relatively...

Monday, March 31, 2025

It's no secret that the cost of higher education has been steadily rising over the years and without proper planning and saving, it can be a significant financial burden on both you and your family. There are various ways to save for...

Monday, March 31, 2025

A common financial goal is to afford a comfortable retirement – but that takes planning. Retirement planning includes taking advantage of your saving and investing opportunities through the years, estimating your expenses in...

Monday, March 31, 2025

Legacy planning is an essential step that many people overlook when it comes to financial planning. It involves developing a strategy for how you want to pass on your assets, values and beliefs to your loved ones after you are gone....

Monday, March 31, 2025

Even the best investment and financial plans can crumble if you have not properly prepared for the risks that exist. Should something happen to you or a family member such as a job loss, disability, illness, natural disaster or...

Monday, March 31, 2025

Forty years ago, a CPA who felt his clients weren’t getting the investment advice they needed founded a revolutionary new firm that uses tax information to identify substantial opportunities and vulnerabilities to help maximize...

Monday, March 31, 2025

Did you know that we offer comprehensive wealth management that has helped clients like you make choices that yield healthier financial and investment decisions? Every financial decision you make has tax implications. You need to be...

Monday, March 31, 2025

We recently reviewed your financial situation and uncovered an opportunity that could help you save money on taxes. According to your IRS Form 1099, you had taxable income from investments last year. We believe you would benefit from...

Monday, March 31, 2025

After reviewing your financial situation, we’d like to discuss formalizing and strengthening your business succession plan to maximize the benefit to your personal financial future. Proactive planning for the timing, transition and...

Monday, March 31, 2025

We recently reviewed your financial situation and uncovered an opportunity that could help save money on taxes as you prepare for retirement. In light of your current savings, inflation, taxes, benefit plans and potential market...

Monday, March 31, 2025

After reviewing your financial situation, we’d like to discuss formalizing your estate plan to provide for and protect loved ones in the most tax-efficient way possible while maximizing your legacy. Even if you have worked with an...

Monday, March 31, 2025

After reviewing your financial situation, we’d like to discuss life insurance policies that could not only protect your family’s future but also help mitigate taxes and provide income in the coming years. Insurance is a key component...

Monday, March 31, 2025

We recently reviewed your financial situation and uncovered an opportunity that could help save money on taxes as you plan to leverage Social Security benefits during retirement. Social Security is a major source of income for most...

Monday, March 31, 2025

We recently reviewed your financial situation and uncovered an opportunity that could help you save money on taxes while supporting causes you care about. Taxpayers who make charitable contributions have options for how to make...

Monday, March 31, 2025

Life insurance is one of the most important financial purchases you can make. In the event of a tragedy, life insurance proceeds can help you pay bills, continue a family business, finance your child’s education, protect your spouse’s...

Monday, March 31, 2025

Whether you’re planning for retirement or have already made the transition, one of the biggest concerns is whether your investments will be enough to allow you to live the life you want. Even for the most prolific savers, market...

Monday, March 31, 2025

Many workers save for retirement by making annual contributions to an individual retirement account (IRA) or qualified retirement plan such as a 401(k). Traditional IRAs are generally funded with before tax dollars and fully taxable...

Monday, March 31, 2025

Many workers save for retirement by making annual contributions to an individual retirement account (IRA) or qualified retirement plan such as a 401(k). Traditional IRAs are generally funded with before tax dollars and fully taxable...

Monday, March 31, 2025

Throughout your career, you’ve likely contributed to an employer-sponsored retirement plan and accumulated retirement assets through other vehicles. When it comes time to leave an employer, whether for a new job or to retire, you have...

Monday, March 31, 2025

If you are looking for a tax-saving strategy and you like the idea of helping others, a qualified charitable distribution (QCD) might be right for you. QCD can be a highly advantageous way for a charitably minded individual to donate,...

Wednesday, March 26, 2025

Forget the Fed frenzy and take a timeout from tariff talk. Let's focus on what's really scrambling the markets right now: egg prices. After reaching an all-time high of $8.17 a dozen in early March, prices have trended lower and may...

Wednesday, March 26, 2025

Are the ups and downs of the stock market leaving you unsettled? Feeling hopeful when the market rises and uneasy when it dips is natural. However, these emotions can sometimes lead to hasty buying or selling, and attempting to...

Wednesday, March 26, 2025

It’s been a busy few weeks as all the mixed economic signals have unsettled Wall Street—and market volatility is never comfortable for investors. Here’s a short recap, so grab some popcorn. We’re going to cover a lot of ground...

Wednesday, March 26, 2025

Do me a favor: print the chart in this email and pin it to your wall. I want you to have a constant reminder that stock prices see pullbacks several times during the year. It’s a normal, healthy part of the investing cycle. Is it...

Monday, March 10, 2025

The SECURE Act 2.0 has introduced catch-up contribution choices for those aged 50+, designed to help boost your retirement savings. These enhanced catch-up provisions are available if you're participating in workplace retirement plans...

Monday, March 10, 2025

The price action in this year’s stock market has me humming the 1970s tune by The Carpenters called “Rainy Days and Mondays.” As the chart shows, Mondays and Fridays have been awful for investors, while the mid-week days have...

Monday, March 10, 2025

Warren Buffett, known by some as the Oracle of Omaha, gets much attention whenever he speaks on the record. In a letter opening his company’s annual report, he’s again caught the ear of the business world.1 Some highlights from the...

Monday, March 10, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you. The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...

Monday, March 10, 2025

“Be fearful when others are greedy and greedy when others are fearful” is one of my favorite quotes by Warren Buffett. His words of wisdom encourage investors to be contrarian. He challenges investors to “go against the grain” when...

Tuesday, March 4, 2025

Have you ever heard the expression, “It’s a buyer’s market?” That phrase describes what’s happening with today’s residential real estate: homes are selling for under their asking price and are taking longer to sell. Good news for...

Monday, February 24, 2025

Have you ever heard the expression, “It’s a buyer’s market?” That phrase describes what’s happening with today’s residential real estate: homes are selling for under their asking price and are taking longer to sell. Good news for...

Monday, February 24, 2025

With AdviceWorks, you can easily access all your financial data, securely store documents, and track your progress toward your goals – all in one convenient place. To help you get the most out of this powerful platform, we have...

Monday, February 24, 2025

A stronger financial future starts with a clear view of your finances and seamless collaboration. With AdviceWorks®, you can easily access all your financial data, securely store important documents, and share them with me anytime....

Monday, February 24, 2025

In this commentary the Cetera Investment Management Team discusses today’s stock market sell-off which was caused by questions around high valuations in tech stocks. These stocks account for a significant portion of many indices....

Monday, February 24, 2025

Stocks fell last week as concerns about sticky inflation and the pace of economic growth rattled investors. The Standard & Poor’s 500 Index declined 1.66 percent, while the Nasdaq Composite Index dropped 2.51 percent. The Dow Jones...

Monday, February 24, 2025

Like it or not, it’s officially tax season – the time of year when millions of taxpayers are gathering documents and crunching numbers in anticipation of the annual filing deadline. Whether you’re preparing your own returns or working...

Monday, February 24, 2025

Monthly Recap Market Indices At-A-Glance The S&P 500 (+2.78%) had a good start to the new year, slightly more than fully recouping its 2.38% December loss. The Dow Jones Industrial Average outperformed the S&P 500 by 2 percentage...

Monday, February 24, 2025

Weekly Recap February 17-21, 2025 Equities Pullback Tariff Plans Stir Inflation ConcernsAll three major U.S. equity averages ended negative last week amid investor concerns over signs of slowing in consumer spending stirred in part by...

Friday, January 17, 2025

“A goal without a plan is just a wish,” wrote French author Antoine de Saint-Exupéry in the 1942 classic, “The Little Prince.” In financial services, we like to say, “Investing without a strategy is just a dream.” At its core, an...

Friday, January 17, 2025

As of today, major wildfires continue to ravage Los Angeles County. To all those affected, whether directly or through friends and family, we offer our support, thoughts, and prayers. Disasters of this magnitude are often hard to...

Friday, January 17, 2025

You may have heard about the recently signed Social Security Fairness Act and wondered what it was and how it might affect you.The Social Security Fairness Act eliminates two longstanding provisions for Social Security: the Windfall...

Friday, January 17, 2025

In 2024, we all experienced inflation in different ways. Some felt it at the grocery store, others while traveling, or when dining out. In large part, that's because our personal economic choices dictated at least part of our...

Friday, January 17, 2025

If you've noticed your morning brew getting pricier lately, you're not imagining things. Coffee prices have surged to their highest levels since 1977.1 Why the eye-popping prices? While supply chain disruptions and weather issues in...

Friday, January 17, 2025

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit...

Friday, January 17, 2025

🔄 2025 IRS Update Alert! Your workplace retirement contribution limits are getting a boost. Here's what you need to know:↗️ Basic limit: $23,500↗️ Age 50+ catch-up: $7,500⭐ NEW! Ages 60-63 super catch-up: $11,250 What this means: If...

Friday, January 17, 2025

Financial stability often hinges on consistent, strategic decisions. By understanding your cash flow and approaching it with a tax-intelligent mindset, you can help maximize your money’s potential and move closer to long-term goals....

Friday, January 17, 2025

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden. 1. Strategic Account Selection Strategically placing your assets in different...

Friday, January 17, 2025

As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your...

Tuesday, October 15, 2024

Elvis once sang, “Home is where the heart is.” Well, according to a recent study that parsed U.S. Census data, home is also where a good chunk of the money is. ResiClubAnalytics found that nearly 40 percent of owner-occupied homes...

Wednesday, August 10, 2022

Does waiting 30 days for a government report seem a bit unreasonable? After all, we live in a world of instant messages and real-time quotes. Why should we wait a whole month between updates on the Consumer Price Index to see what's...

Wednesday, August 10, 2022

Stocks turned in a mixed performance last week as investors struggled with headlines suggesting that the Fed was unlikely to soon ease up on its current monetary tightening policy.The Dow Jones Industrial Average slipped 0.13%, while...

Wednesday, August 10, 2022

"Where there's a will, there's a way." Sage advice that applies not only to our lives but to your estate strategy.When was the last time you reviewed your will or estate strategy? August is National "Make a Will" Month, an excellent...

Wednesday, August 10, 2022

In the financial world, some weeks are more important than others, and we just lived through a big one. Let's unpack each of the four key stats:The Fed. As expected, the Fed bumped up short-term rates again at its July meeting. But the...

Wednesday, August 10, 2022

What would you do with a windfall? It’s a question I’ve read or heard a lot lately. Considering the Mega Millions jackpot has now grown to $1.02 billion, it’s safe to say most of us have thought about what it would be...

Wednesday, August 10, 2022

Sometimes, it’s a good idea to get a second opinion.And this may be one of those times.Government reports are telling a rather bleak story about the economy. The headlines talk about high inflation, rising interest rates, and a...

Wednesday, August 10, 2022

There’s nothing quite like the pleasure of a good book. And with temperatures rising nearly everywhere, now is a great time to grab a frosty beverage, settle into your comfiest chair, and lose yourself in a good story.Here's what...

Wednesday, August 10, 2022

Stop me if you heard this already—roughly half the population wasn’t alive last time inflation was at this level.It’s true. According to IMDb.com, Raiders of the Lost Ark was the #1 movie at the box office the last...

Wednesday, August 10, 2022

The SECURE Act of 2019 represented the biggest update to retirement law in over a decade. Now, Congress is deliberating on what “SECURE 2.0” legislation might entail.In March, the House passed the Securing a Strong...

Wednesday, August 10, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current...

Tuesday, July 26, 2022

With half the year behind us, now is a great time to consider what the remainder of 2022 may hold. However, with inflation and economic uncertainty causing many of us to delay or cancel vacations, large purchases, and more, it can be...

Wednesday, May 25, 2022

Recession fears grew last week following weak earnings reports from major retailers, sending stocks lower.The Dow Jones Industrial Average fell 2.90%, while the Standard & Poor’s 500 lost 3.05%. The Nasdaq Composite index dropped...

Wednesday, May 25, 2022

The number one question I’m hearing this week is, “When are we going to see the stock market reach a low point?” In spite of recent volatility, my answer remains the same: rather than timing the markets, focus on time...

Wednesday, May 25, 2022

Rare collectibles can provide an entertaining form of alternative “investment,” and might seem particularly intriguing when markets are wobblier than Aunt Gertrude’s jello salad. Comic books can sell for millions of...

Wednesday, May 25, 2022

When markets cycle lower like they have been lately, perspective is critical. If you’re not connected to someone with experience, it can be easy to miss the big picture.If you zoom out a bit in history, most investors haven't...

Wednesday, May 25, 2022

With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection...

Wednesday, May 25, 2022

May is a month to celebrate the older Americans in our country and honor their lives and the accomplishments they still have ahead of them.Older Americans Month was established in 1963 by President John F. Kennedy to bring awareness to...

Wednesday, May 25, 2022

"Be fearful when others are greedy and greedy when others are fearful," according to legendary investor Warren Buffett.It's a great quote but complex advice to follow, especially in 2022 when stock prices are down double-digits. It...

Wednesday, May 25, 2022

Lately, the "Great Resignation" has led many Americans to leave their jobs for other opportunities, while others have chosen a different path: early retirement. We can all understand looking for a more suitable place of work, but some...

Wednesday, May 25, 2022

You may have heard that both Amazon and Alphabet recently announced stock splits. But what you may have missed is the subplot to the unfolding story.The decision to split makes it likely that one of them will be added to the Dow Jones...

Monday, April 11, 2022

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Tuesday, February 1, 2022

If you’re concerned about today’s market volatility, you might take some comfort from one of my favorite quotes by Warren Buffett. “I would tell them don’t watch the market closely,” said the Oracle of...

Monday, January 31, 2022

Monday, January 31, 2022

Monday, January 31, 2022

Friday, January 7, 2022

YOUR 4% WITHDRAWAL STRATEGY MAY NOT BE ENOUGH Get the Tax Guidance You Need to Help Live the Retirement You Desire There’s a lot of concern among industry experts about whether the popular 4% withdrawal rule can provide enough income...

Tuesday, November 30, 2021

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Wednesday, October 20, 2021

Your workplace retirement account can play a critical role in your overall retirement strategy. However, some have gone further with the accounts than others, especially recently. CNBC reported on findings that place 401(k) accounts...

Wednesday, October 20, 2021

If the stock market outlook brightens, there are expectations for a bumper crop of initial public offerings to make their debuts over the next several weeks.Somewhere between 90 to 110 IPOs are preparing to come public by the end of...

Monday, October 11, 2021

If you are feeling a bit confused about the direction of inflation, you’re in good company. Some of the best and brightest economists in the country are having a tough time getting their arms around the current inflation trends...

Friday, October 1, 2021

Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names.The Build Back Better Act. Or the $3.5 trillion budget reconciliation bill. Or the Jobs and Economic Recovery Plan for Working...

Friday, October 1, 2021

The stock market notched its 7th straight month of gains in August, and the Standard & Poor's 500 index has set 53 new highs so far in 2021.1During August, stocks rallied as investors looked past the increased number of COVID-19...

Thursday, September 30, 2021

What is an Annuity? What you should know about them. Individuals hold about $2.2 trillion in annuity contracts; a tidy sum considering an estimated $9.2 trillion is held in all types of IRAs.1 Annuity contracts are purchased from an...

Wednesday, September 29, 2021

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched...

Wednesday, September 29, 2021

Did You Hear A 1031 DST Ad On Sirius Fox Business? You may have recently heard a 1031 DST Sirius Radio Ad on Fox Business or Fox Headline news about selling a rental property and deferring your capital gains tax. If you did hear the...

Wednesday, September 22, 2021

Delaware Statutory Trust Definition - What's A DST?

Monday, February 24, 2020

February 2020 By Nanette Abuhoff Jacobson History tells us that, like most geopolitical events, pandemics (along with any market impact) are temporary. Nanette Abuhoff Jacobson Managing Director and Multi-Asset Strategist at...

Thursday, March 14, 2019

When Is The Right Time To Retire? With the ever-changing landscape of taxes, it is growing increasingly difficult to understand howlegislation affects clients and could possibly impact their financial future. As a leader in the...