In the News


04Apr 2019

Who among us wants to pay the Internal Revenue Service more taxes than we have to? While few may raise their hands to voluntarily pay more taxes, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Are you one of them? Let’s take a quick look at six of […]

01Apr 2019

  We wanted to start off our April newsletter with a welcome to our new employees. We added a new team members to help service our clients. We are beyond grateful and blessed to have this opportunity to grow. We are excited for all of you to meet Lauren Ferguson!             […]

29Mar 2019

You might be initially confused by these terms or even suspect they aren’t that different in terms of what each model offers you as an investor, but they are very distinct approaches, and it’s good to understand these two schools of thought as you invest. This understanding could help you make important investment decisions, both […]

26Mar 2019

Knowledgeable investors are aware that investing in the capital markets presents any number of risks – interest-rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some of the investment risks we face can be mitigated through diversification.[i] As an investor, you face another, less-known risk for […]

21Mar 2019

Depending on the types of retirement benefits you receive, they could be taxable. Here are some basics: Fully Taxable Payments The pension or annuity payments that you receive are fully taxable if you don’t have an investment in the contract because: ● You didn’t contribute anything to your pension or annuity ● Your employer didn’t […]

21Mar 2019

An IRA, or Individual Retirement Account, is a tax-advantaged account that is subject to special rules regarding contributions and withdrawals. One of the central rules of IRAs is that withdrawals prior to age 59½ are generally subject to a tax penalty. Yet, policymakers acknowledged that extenuating circumstances might require access to these savings. In appreciation […]

14Mar 2019

  Many Americans have taken steps in recent years to protect their personal information, but savvy cybercrooks have overcome some of those defenses. A 2018 Javelin Research report found identity theft hit an all-time high in 2017, affecting an estimated 16.7 million consumers. For the first time, Social Security numbers were compromised more frequently than […]

28Feb 2019

This month we have some articles and tips that we really feel will provide value to you! March is a busy month for families, coming down from the hustle and bustle of the holidays & winter, getting ready for spring vacations, and trying to keep on track with those new years resolutions. What will a […]

25Feb 2019

Social Security has been a pillar of retirement life for several decades, but how much do you really know about it? Here are a handful of facts that might surprise you: The Social Security trust fund exceeds the gross domestic product of every country in the world, except the nine largest: China, the European Union, […]

22Feb 2019

A record number of Americans traveled abroad in 2016 for leisure, business, study abroad and missionary work- to the tune of 67 million. Given recent epidemics, natural disasters and security  threats around the world- coupled with your run-of-the-mill medical issues- travelers have more reason than ever to ensure their health and safety are fully insured […]

21Feb 2019

The financial uncertainties we face in retirement may risk reducing our sense of confidence, potentially undermining our outlook during those years. Indeed, according to the 2018 Retirement Confidence Survey by the Employee Benefits Research Institute, only 17% of pre-retirees said they are “very confident” about having enough assets to live comfortably in retirement. In addition, […]

18Feb 2019

For many families, a home loan constitutes a significant portion of their household debt. As a result, some people choose to reduce this debt as much as possible before entering retirement. In fact, nearly one in three retirees have mortgage debt, and 17% of those paying off debt say that their mortgage is a top […]