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Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

Tuesday, February 6, 2024

In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in retirement regulations define 2024, and we’re committed to keeping...

Tuesday, January 23, 2024

It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the matchups, commercials, and Usher’s Big Game halftime show, you...

Tuesday, January 9, 2024

With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025. Although some of the provisions within the TCJA are...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

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Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 24, 2023

Many of us have adapted to a world with remote team members and back-to-back Zoom calls with customers spread across the country, which certainly has its benefits. Nevertheless, one drawback is the difficulty of getting together in...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

Monday, August 7, 2023

You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA). The Department of Education is calling it the “most...

Tuesday, July 25, 2023

7/25 The 6 Biggest Mistakes DIY Investors Make and How to Avoid ThemIntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022,...

Tuesday, July 11, 2023

Changes to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...

Thursday, July 6, 2023

What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

Monday, March 6, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

Wednesday, February 15, 2023

According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...

Wednesday, February 8, 2023

By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...

Monday, January 23, 2023

With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...

Tuesday, January 10, 2023

Brought to you by Saul Simon in conjunction with Lincoln Financial Advisors*A financial windfall is something many people dream of, and for quite a few people that dream actually comes true. When people imagine this happening...

Wednesday, January 4, 2023

In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...

Tuesday, December 13, 2022

As you plan for your financial legacy, you may create one or more trusts to secure and convey assets to your future heirs. Chances are the trust(s) you create may exist long after you’re gone. And while a trust’s legal...

Monday, December 12, 2022

In today’s social media-obsessed world full of popular “influencers” targeting teens, pre-teens, and even younger groups, instilling values in your children and grandchildren about what really matters in life is more...

Monday, December 5, 2022

In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...

Friday, December 2, 2022

Some basics of trusts…. for example, a living trust, an irrevocable trust and a life insurance trust. Questions, direct message me…VARIOUS TYPES OF TRUSTSTRUST BASICS Generally, a trust is a relationship (among a grantor,...

Monday, November 28, 2022

The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...

Monday, November 14, 2022

Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...

Wednesday, November 2, 2022

Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...

Thursday, September 1, 2022

Social Security as a Stream of Post-Retirement IncomeWhat is Social Security?The Social Security Act was signed by President Roosevelt in 1935 as part of the New Deal to support a steady income for retired individuals 65 and older....

Thursday, July 21, 2022

We are going through a very uncertain time with market volatility, high interest rates, the highest inflation in 40 yrs, and high gas prices. This seems to be the new normal. Now is a good time to review your financial well-being.

Wednesday, June 8, 2022

According to the Social Security Administration, a 65-year-old can expect to live another 19 to 21.5 years, on average. And interestingly, the government agency also says a third of 65-year-olds will hit age 90, and 1 in 7 will live...

Thursday, May 12, 2022

Wednesday, April 13, 2022

If you decide to make FL your permanent residence, and you are a high net worth individual or couple, you may be caught off guard to find out that you still owe taxes to your previous high-income tax state, even after you have moved to FL.

Tuesday, March 15, 2022

Costs for higher education have sky-rocketed in the past few years and are only getting higher...so if you have children or grandchildren, that's probably something you think about quite a lot these days.

Wednesday, February 23, 2022

As Americans, we have a history of persevering in the face of adversity. If you’re like many people today, you may be asking yourself, “Where do I go from here?” We think the answer is simple: “You go forward”. 

Wednesday, January 5, 2022

With so many people living longer today, it is more important than ever to make sure you have done your planning so that you can continue to enjoy your present way of life well into your 80s or even 90s.

Friday, December 3, 2021

Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle, it becomes even more difficult to follow along.At its November meeting, the Fed outlined its plan to taper monthly...

Tuesday, October 26, 2021

It’s not conveying anything new when we say that we are living in very uncertain times. But one thing we know for sure, just as you should use a roadmap when you head out for a trip, the same is true for your personal finances....

Thursday, October 14, 2021

For families caring for a loved one with a disability, special needs trusts—also called supplemental needs trusts—can provide a sense of security. Special needs trusts allow the family to improve the quality of life for the...

Thursday, September 9, 2021

It’s approaching 20 years since our country was attacked and I still have occasional nightmares about the day it happened. The morning of 9/11 I was on a flight from Newark, NJ, with one of my business associates heading to...

Tuesday, July 20, 2021

No one wants to think about being alone and without your spouse by your side, and as much as it is painful to think about, it must be discussed and planned for as the reality is at some point in every life the inevitable will occur. So...

Wednesday, May 19, 2021

When going through a divorce, everything suddenly changes. What I hope to do in this blog about Divorce, is to help you plan for an amicable financial uncoupling of family assets while maintaining civility for all parties involved.

Friday, April 9, 2021

The latest blog in our series is, “Having the Talk With Your Business Partner”. This can be a difficult and somewhat sensitive discussion, however, it has major implications that could impact you and your partner, the...

Tuesday, March 16, 2021

Last month we discussed the difficult topic of, “Having the Talk with Your Parents”. This struck a chord with so many people and we had a very positive response from our contacts and connections. Therefore, this month we...

Sunday, February 14, 2021

As we get older and hopefully wiser, more responsibilities fall upon us. We are often referred to as the Sandwich Generation, the ones in the middle, caught between our aging parents and our children. We, as children of aging parents,...

Tuesday, January 26, 2021

Many people realize that their financial future and family legacy may depend upon their choice of a competent Financial Advisor. The ability to grow wealth and protect assets from being depleted by risky investments, income taxes and...

Tuesday, January 12, 2021

I think we can all agree that 2020 was a most challenging year and many people have been through some unexpected upheaval. With that said, how can you make sure that 2021 is going to be an outstanding year for personal and financial...

Friday, December 11, 2020

As the year comes to a close, now is a good time to consider preparing for the 2021 tax season. Yes, we know it’s early, but this is the best time of year to consider what the tax implications might be for financial decisions you...

Monday, November 16, 2020

How long has it been since you last updated your estate plan? If you’re like many of us, the last time you reviewed your will and/or estate plan was when it was originally signed in your attorney’s office. When was that? 10...

Monday, November 2, 2020

It’s not conveying anything new when we say that we are living in very uncertain times. Just as you should visit your doctor each year for a complete medical check-up, the same is true for your personal finances. Rather than a...

Monday, October 19, 2020

As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is elected?" or, "What policy changes to prepare for in the next four years?"In reality, however,...

Tuesday, October 6, 2020

When training to become a financial professional, much of our course work centers on the six critical areas of creating a financial strategy. Some recognize October as Financial Planning Month, so it's an excellent opportunity to...

Tuesday, August 25, 2020

You’ve all heard the cautionary tales. An ex-spouse collects a death benefit that was intended for the current spouse. Along the way, fights break out. Lawsuits happen. Family members stop talking. And the biggest irony? The...

Tuesday, August 25, 2020

I hope this finds each of you safe and healthy as we walk through the challenges that surround us. I have sent communications surrounding investments, giving historical perspective as well as reassurance during these volatile times in...

Tuesday, August 25, 2020

You are already a successful person in your field however we all go through times of self doubts, it is during times such as these steps can be invaluable. Surround Yourself With The Right People Be around the right people. When you...

Tuesday, August 25, 2020

Stop putting yourself last on your “to do” list. Take the appropriate steps to prepare for your financial future now. We’re living thru challenging times & we’re continuing to wear many hats. We all live hectic...