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The Third Best Investment You Can Make – June 2017

By |June 5th, 2017|

The second-best investment you can make is paying off high interest rate debt (see CPA Client Bulletin, August 2016). That could come after you’ve contributed enough to your 401(k) to get a full match from your employer. What should come next? If you have no expensive debt to pay down and you’re getting the full

Tax-Wise Portfolio Rebalancing – May 2017

By |May 28th, 2017|

Studies indicate that savvy asset allocation may lead to long-term investment success. Individuals can find a desired mix of riskier asset classes, such as stocks, and relatively lower risk asset classes, such as bonds. Sticking with a chosen strategy might deliver acceptable returns from the volatile assets, as well as fewer fluctuations along the way

Dealing With an IRS Audit – April 2017

By |April 11th, 2017|

IRS data indicate that fewer than 1% of all individual income tax returns are audited each year. That’s true, but some taxpayers are more vulnerable than others. For starters, the IRS is more likely to audit taxpayers who report high incomes because that’s where larger amounts of underpaid taxes might be found. April 2017|Categories: Newsletters

Playing Defense as Stock Prices Soar – March 2017

By |March 23rd, 2017|

As of this writing, major U.S. stock market indexes are at or near record highs. This bullish run might continue...or it might end with a severe slide. Here are some strategies to consider. March 2017|Categories: Newsletters Download

After-Tax Dollars in Traditional IRAs – February 2017

By |February 16th, 2017|

Workers under age 70½ can deduct contributions to a traditional IRA, as long as they are not covered by an employer’s retirement plan. The same is true for those workers’ spouses. February 2017|Categories: Newsletters Download

Be Cautious With Hard-to-Value IRAs – January 2017

By |January 18th, 2017|

A new year begins with celebrations, resolutions, and dual IRA opportunities. Most workers and their spouses have until April 18, 2017 (April 19 in some states), to contribute to an IRA for 2016. At the same time, contributions to 2017 IRAs are now permitted; the earlier money goes into the account, the more time for

Seeking a Stable Retirement – December 2016

By |December 4th, 2016|

Anecdotally, retirement finances formerly were based on a “three-legged stool.” After people stopped working and no longer had earned income, their cash flow would come from Social Security, personal savings, and a pension from a former employer. This pension would have been a traditional defined benefit plan, paid out for the retiree’s lifetime and perhaps

More Certainty for Year-End Tax Planning – November 2016

By |November 30th, 2016|

Recently, year-end tax planning has been challenging. Many tax code provisions expired, and it was uncertain whether they would be renewed, with Congress’ action potentially not coming until extremely late in the year. November 2016|Categories: Newsletters Download

Financial Steps to Take After a Child Is Born – October 2016

By |September 29th, 2016|

The arrival of a newborn can be a joyous occasion. Even while emotions are at their peak, though, you shouldn’t neglect the practical aspects. Several steps should be taken to protect the family’s finances, and the sooner the better. October 2016|Categories: Newsletters Download

Customization Comes to Target-Date Funds – September 2016

By |September 21st, 2016|

According to Morningstar, target-date funds (TDFs) attracted nearly $70 billion in 2015. Another research rm, Cerulli Associates, has predicted that 88% of new 401(k) contributions will go into TDFs by the end of 2019. As this market expands, new versions are appearing: the “custom” TDF has been labeled the fastest growing segment. September 2016|Categories: Newsletters