Resources

Figuring Out if You Should Retire

Connie Brezik, 11/7/2019 Anyone considering retirement, or who has retired in the recent past, understands that there is a lot to this decision. Sure, having enough money is an important part of this equation, but there is much more to consider. Once your company throws you a retirement party, your life will be forever changed….

Living a Life Worthy of a Legacy at Any Age

Tim Maurer, Director of Advisor Development, 11/6/2019 Estate planning is one of the most technical—and terrifying—topics in the broad practice of wealth management. It exists at the intersection of quantitative logic and qualitative feelings, and it evokes the types of emotions that we instinctively avoid. Anxiety, fear, loss, sadness, hopelessness. “I don’t have the words….

A Successful Small Business Start-up

Connie Brezik, 11/1/2019 Small businesses are the backbone of this country. People with great talent and ideas form businesses they believe in to provide others with products and services and to make a living for themselves and their families. As any small business owner knows, there is a lot to running a company, and you…

Finding and Supporting Your Passion

The BAM ALLIANCE, 10/31/2019 Donating to a nonprofit organization is a wonderful way to make a positive impact on an issue that connects to your values. Currently, 2.7 million nonprofits in the U.S. are looking for donors and volunteers1. The opportunities to support a nonprofit can seem endless and overwhelming. Unfortunately, not every nonprofit is…

Navigating the Complexities of Public Service Student Loan Forgiveness

Becca Craig, ABA, 10/3/2019 The past few years have seen the U.S. Department of Education’s Public Service Loan Forgiveness (PSLF) program garner a whirlwind of criticism, from borrowers, watchdogs and lawmakers alike. Its complex and poorly communicated requirements have resulted in hundreds of headlines, several lawsuits, and thousands of heart-breaking personal accounts. The program’s administration has been troubled, to…

The Foundational Aspects of Planning Your Legacy

Elliot Dole, CFP®, EA, AEP®, CExP™, CAP®, 9/30/2019 Families who have determined that they’ve accumulated more wealth than they expect to spend in their lifetimes often approach legacy planning looking primarily for tactical help and technical expertise. They may come to the conversation simply seeking the specific tool or set of tools most appropriate for…

The Fear of Offending

Connie Brezik, 9/3/2019 We often let things go, even to our detriment, to avoid offending someone. This fear of offending can keep you in a bad relationship, keep you from making progress in your career or keep you from making sound financial and investment decisions. Many of us were brought up to be polite and…

First-Time Home Purchase? IRA vs 401(k)

2019 – 08/16 Generally, amounts withdrawn from an individual retirement account (IRA) before age 59-1/2 are subject to an additional 10% tax. Exceptions exist, including when the funds are used for a first-time home purchase. One taxpayer took a distribution to purchase her first home, but the IRS applied the 10% tax. The distribution was…

Surviving Spouse Who Inherited an IRA

2019 – 08/15 Are you a surviving spouse who inherited an IRA? The beneficiary of a deceased spouse’s IRA must decide whether to roll it over into his or her own IRA, or leave the IRA in the deceased spouse’s name. Advantages to making the spousal rollover or election are that spouses, over age 59…

Getting Back to the Basics by Getting the Definitions Right

Doug Buchan, 8/22/2019 Mark Twain once wrote, “The difference between the almost right word and the right word is really a large matter. ‘Tis the difference between the lightning bug and the lightning.” That man had a way with words. And although Samuel Clemens was known as a notoriously atrocious investor, many of his quips are wonderfully analogous to the…

Should You Worry About an Inverted Yield Curve?

Larry Swedroe, Chief Research Officer, 8/20/2019 Ever since December 3, 2018, when the yield curve inverted (with the yield of 2.83 percent on the five-year Treasury note one basis point lower than the yield of 2.84 percent on the three-year Treasury note), I have been receiving calls and emails from investors worried about the impact of an inverted…

Naming a Beneficiary – Avoid 4 Common Pitfalls

2019 – 08/20 Naming a beneficiary is a routine step for several types of accounts. Doing so assures the balance will go to the designated person when you die, or be divided as you wish among multiple people. Beneficiary designations are needed for life insurance policies, as well as annuities, retirement plans and IRAs.a This…

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