Newsletter

2017

July

June

May

April

March

February

January

2016

2016

December

November

October

September

August

July

June

May

April

March

February

January

2015

2015

December

November

 

September

August

July

June

May

April

March

February

January

  • Healthy Resolutions Can Pay Off (Literally)
  • No Matter What Your Age, Your Social Security Statement Matters
  • All About IPOs
  • When Do I Need To Submit College Financial Aid Forms?
  • Do You Understand The Definition Of Financial Aid?

2014

2014

December

  • Cheap Oil Gets Cheaper
  • Relative Prosperity
  • Premium Bonds
  • Four Questions to Ask Before You Open Your Wallet
  • Helping Your Parents Manage Their Finances
  • Importance of Timing A Roth Conversion
  • How Can College Students Save and Spend Money Wisely
  • I’m Having Trouble Paying My Student Loans. Do I Have Options?

November

October

  • Alibaba IPO
  • Pet Trusts
  • Secession Movement
  • Prepare Now For a Year-End Investment Review
  • Leaving Assets to Your Heirs: Income Tax Considerations
  • The Potential Pitfalls of DIY Estate Planning
  • What Factors Could Negatively Impact My Credit Report?
  • I’m Looking to Buy a Home. What Are Some Common Mortgage Mistakes to Avoid?

September

  • Hiding Profits From the Tax Man
  • Money Market Changes
  • Teen Roth IRA
  • How Much Do You Know About Social Security?
  • 10 Basic Tax To Dos for the Rest of 2014
  • Bitcoin: Digital Future or Frenzy?
  • Should I Co-Sign My Daughter’s Private Student Loan?
  • What Should I Do If My Credit- and Debit- Card Information Was Part of a Data Breach?

August

July

  • Food Price Crisis
  • Guaranteed Loser
  • Job Obsolescence
  • Stock Ownership
  • What is a private insurance exchange?
  • Some things to consider about gifts to children
  • Why not make your next trip a volunteer vacation?
  • Have the rules for 401(k) in-plan Roth conversions changed?
  • Is there a new one-rollover-per-year rule for IRA’s?

June

  • Retirement Spending
  • Roubini’s Worry List
  • Top 10 Tax Breaks You’ll Miss in 2014
  • Personal Finance Tips for New Graduates
  • Financial Choices: College, Retirement, or Both?
  • How much money should a student borrow for college?
  • Are con artists adopting trendy twists on old scams?

May

  • Is the Stock Market Rigged?
  • Global Tax Rates
  • 15 Facts about Social Security
  • Tips for Traveling Abroad
  • Saving for the Future: Start Now or Start Later?
  • My Parent’s Can’t Manage Alone Anymore. What Should I do?
  • What is an Assisted-living Facility, and how do I Choose One?

April

  • Roth IRA: Complex Conversion Calculations
  • The Fed’s Great Unwind and Your Portfolio
  • Saving through Your Retirement Plan at Work? Don’t Let These Five Risks Derail Your Progress
  • Home Staging: Getting Your Home Ready to Sell
  • Is there a new way to calculate my home office deduction?
  • How do I figure the tax on the sale of my home?

March

  • JIC: Voting Vs. Weighing Machine
  • The Impact of Health-Care Costs on Social Security
  • What’s New in the World of Higher Education?
  • Business Owners: Don’t Neglect Your Own Retirement Plan
  • I’ve heard the term “ERISA fiduciary.” What does it mean?
  • Will rising interest rates impact my pension benefits?

February

January

  • JIC: Bitcoins — Investment or Bust?
  • The Impact of Health-Care Costs on Social Security
  • Should You Roll Your 401(k) to an IRA?
  • Think Outside the Shoe Box When Organizing Financial Records
  • What Unique Challenges Do Women Face in Achieving a Financially Secure Retirement?
  • My teenage daughter just got her driver’s license. Will my auto insurance rates go up?

2013

2013

December

  • Expiring Taxes
  • Mortgage Affordability
  • High Yields, Scary Prospects
  • It’s December 31. Do You Know Where Your Money Is?
  • What’s in Store for Health-Care Reform in 2014?
  • Gift Tax Strategies That Can Benefit Your Family
  • What Will Happen To My Digital Assets If I Die Or Become Incapacitated?
  • What Can I Do To Protect My Username/Password Information From Computer Hackers?

November

  • Third Quarter Capital Market Report
  • 2013 Year-End Tax Planning Considerations
  • Paying for Long-Term Care Insurance with Tax-Free Funds
  • Show Them Love: Low-Cost, High-Value Employee Benefits
  • Do I Need to Make Any Changes to My Medicare Coverage for Next Year?
  • Is It True My Child Can Receive Social Security Benefits Based on My Earnings Record?

October

  • Why You Need a Power of Attorney and Medical Directive
  • Estate Planning and Income Tax Basis
  • All in the Family: Transferring a Business to Your Children
  • Will Interest Rates Rise This Year?
  • What is Asset Allocation?

September

  • Famous People Who Failed to Properly Plan
  • Is College Debt the Next Bubble?
  • Stretch IRAs
  • What Rate of Return Should I Expect From Stocks?
  • What Return Are You Really Earning On Your Money?

August

  • When is Market Volatility Most Dangerous?
  • Choosing a Retirement Community
  • Should You Buy or Lease Your Next Vehicle?
  • I recently incurred a significant amount of credit card debt. How should I begin to pay it off?
  • I recently came across an error on my credit report. Is there any way I can fix it?

July

  • Mid-Year Planning: Accounting for New Tax Rules
  • Coordinating Social Security Benefits with Other Retirement Assets
  • Portability of Applicable Exclusion Amount between Spouses
  • I just bought a vacation home. Do I need to purchase a specific type of insurance?
  • Will my homeowners insurance policy cover hurricane damage?

June

  • 15 Ways to Save on Your Next Vacation
  • Understanding Your 401(k) Plan Fees and Expenses
  • Financial Planning When You Have a Chronic Illness
  • What is a Payable on Death (POD) Account?
  • What is a Joint Account?

May

  • First Quarter Capital Market Review
  • Estate Tax after the Fiscal Cliff
  • Four Retirement Saving Myths
  • Are You Prepared If a Natural Disaster Strikes?
  • What Are Health Exchanges and Do I Have To Buy Health Insurance through Them?
  • I have health insurance. Will I have to change my plan because of the new law?

April

  • Making the Most of Your 401(k) Plan
  • Looking Backward and Forward on Entitlement Programs
  • Understanding the New Medicare Tax on Unearned Income
  • Is there a way to file my return late?
  • I’m getting a large refund this year. What should I do with it?

March

  • Expecting a Large Inheritance? Don’t Count on It
  • The “SEPP” Exception to the IRA Premature Distribution Tax
  • Why a GRAT Can Be GREAT
  • How can my child get a better financial aid package?
  • Cartoon: Higher Education Costs

February

  • Fourth Quarter Review and 2013 Capital Market Outlook
  • Federal Income Tax Filing Season Is Here
  • Questions and Answers about Social Security
  • Estate Planning Strategies in a Low-Interest-Rate Environment
  • Is Winter Storm Damage Covered By My Homeowners Insurance Policy?
  • I Just Installed A New Furnace In My Home. Is the Energy Tax Credit Still Available?

January

  • High Yield Bonds: The Pros and Cons
  • Real Life Financial Tips for Different Generations
  • Compounding Can Add Fuel to your Portfolio
  • Should I Be Worried About Recent Municipal Bankruptcies?
  • Are Municipal Bonds Still a Good Investment?

2012

2012

January

  • Making Financial Resolutions? Look Back at Last Year
  • Retirement Plan and IRA Limits for 2012
  • How Much Do You Know about Social Security?
  • With mortgage rates so low, Does It Make Sense to Refinance?
  • If I Owe More Than My Home Is Worth, Will I Be Able to Refinance?

February

  • Keeping Market Volatility in Perspective
  • Debt Payoff Strategies
  • Q&A on Filing the Federal Financial Aid Application
  • Can reducing my credit card debt actually lower my credit score?
  • How can I tell if I have too much debt?

March

  • Planning for a Career Change
  • Investing in a Low Interest Rate Environment
  • Seniors Are Often Targets of Scams
  • What’s a Self-Directed IRA?
  • Can My Self-Directed IRA Invest in Real Estate?

April

May

  • Super Committee Failure Sets Stage for Election-Year Debate
  • Non-Equity Alternatives to Rock-Bottom Yields
  • Asset Protection Strategies beyond Insurance
  • What Is Personal Liability Insurance and Do I Have It?
  • What Is Umbrella Insurance and Why Do I Need It?

June

  • How to Plan a Last-Minute Vacation
  • Pay Down Debt or Save and Invest?
  • How to Raise a Saver
  • What Happens to My Retirement Benefits of My Employer Goes out of Business?
  • What Is the Pension Benefit Guarantee Corporation?

July

  • Mid-Year Reality Check: Covering Your Bases in Uncertain Times
  • Retirement Rules of Thumb
  • Four Things to Do in the Four Years before College
  • Is It True That Social Security Beneficiaries Are Being Required to Receive Their Payments Electronically?
  • Is the Social Security Administration Mailing out Annual Social Security Statements?
  • Second Quarter Capital Market Review
  • On the Lighter Side

August

  • Market-Moving Indicators for Monitoring Europe
  • New 401(k) Plan Disclosure Rules
  • Ways Parents Can Help Their Bommerang Kids
  • Can I convert my tradtional IRA to a Roth IRA in 2012?
  • Can I undo my Roth IRA conversion?

September
  • Making Financial Resolutions? Look Back at Last Year
  • Retirement Plan and IRA Limits for 2012
  • How Much Do You Know about Social Security?
  • With mortgage rates so low, Does It Make Sense to Refinance?
  • If I Owe More Than My Home Is Worth, Will I Be Able to Refinance?

October
  • Year-End Investment Planning and the Fiscal Cliffhanger
  • Four Retirement Planning Mistakes to Avoid
  • Is Your 529 Plan Making the Grade?
  • Can I be reimbursed from my health-care FSA for over-the-counter medications?
  • Should I participate in my employer’s wellnes program?

November

December
  • The Economics of Borrowing From Your 401(k)
  • How to Give Wisely and Well
  • Healthy Personal Finance Resolutions For the New Year
  • What Health Care Provisions Are Effective In 2013?
  • How Does Health Care Reform Affect Women?

2011

2011

January

  • Five Hot Topics in 2011
  • Estate Tax Update
  • New Adoption Assistance Opportunities and Requirements
  • Can I Roll over My Traditional 401(k) Plan Distribution to a Roth IRA?
  • Can I Roll over My Roth 401(k) Plan Distribution to a Roth IRA?

February

  • 1040 Tax Tips
  • Are We in a Bond Bubble?
  • Retirement Planning IRA Limits for 2011
  • Understanding the Map of Recovering from Losses
  • Are You Sabotaging Your Own Portfolio?

March

  • Changes Affecting Small Business
  • Important Questions to Ask Aging Parents
  • Are There Gaps in Your Insurance Coverage?
  • What Health-Care Changes Become Effective in 2011?
  • Are Some Preventative Care Services Free?
  • First-Quarter Capital Market Review
  • USA Inc.

April

  • Saving for Retirement and a Child’s Education at the Same Time
  • Rising Interest Rates: The Downside of Economic Recovery
  • A/B and A/B/C Trusts
  • Can I Make Charitable Contributions from My IRA?
  • Can I Name a Charity Is Beneficiary of My IRA?

May

  • 401(k) in-Plan Roth Conversions
  • Don’t Be Nickeled and Dimed By Account Fees
  • Social Security Survivor’s Benefits
  • What Health-Care Changes Became Effective in 2011?
  • Are Some Preventive Care Services Free?

June

  • Inflation or Deflation: Watching for Warning Signs
  • Estate Tax Exemption Is Portable (For Now)
  • These Deferred Annuity Mistakes Can Be Taxing
  • Can the IRS Waive the 60-day IRA Rollover Deadline?
  • What Is the IRA One Rollover per Year Rule?
  • Second-Quarter Capital Market Review
  • Debt Implications

July

  • Crisis Investing: Keeping Your Head
  • Deciphering Health Savings Vehicles
  • Life Insurance Policy Loans: Tax and Other Implications
  • What Is a Funeral Trust?
  • What Is a Pet Trust?

August

  • Talking to Your Child about College Expectations
  • Do You Need Flood or Earthquake Insurance?
  • Medicare and Medicaid: Do You Know the Difference?
  • What Happens to My Online Accounts When I Die?
  • How Do I Include My Cyber Assets in My Estate Plan?

September

  • The Spousal IRA Rule
  • Portability of Basic Exclusion Amount between Spouses
  • Factoring Health-care That Costs into Retirement Planning
  • I’m Retiring to a State with No Income Tax. Can My Former State Tax My Retirement Benefits?
  • What State Tax Issues Should I Consider When Deciding Where to Retire?
  • Third-Quarter Capital Market Review

October

  • Year-End Investment Planning: The Clock Is Ticking
  • Making Benefit Decisions during Open Enrollment
  • Could You Handle a Financial Windfall?
  • I’m a Step Parent. Is My Financial Information Listed on the FAFSA?
  • When parents are divorced, Who Fills out the FAFSA?

November

  • Five Year-End Tax Planning Considerations
  • Long-Term Care Planning Is Important for Women
  • Can You Get to $1 Million?
  • Does the Federal Financial Aid Formula Count All Parental Assets?
  • How Are 529 Plans Treated for Federal Financial Aid Purposes?

December

2010

2010

January

  • 2009 Legislation in Review
  • Retirement: Does Your Withdrawal Strategy Need a Second Look?
  • Retirement Issues to Watch in 2010
  • What Is a Short Sale?
  • What Is the Deed-in-In Lieu Of Foreclosure?

February

  • Four Money Mistakes You Can Learn From
  • College Debt: How Much Is Too Much?
  • Hardship Withdrawals From 401(k) Plans
  • What Can Affect the Cost of Homeowners Insurance?
  • How Can I Reduce the Cost of My Homeowners Insurance?

March

April

  • Key Economic Indicators and What They Mean
  • Got Stock? The Long and Short of Capital Gains
  • 10 Financial Terms Everyone Should Know
  • What Is the Premature Distribution Tax?
  • What Is the “SEPP” Exception To the Premature Distribution Tax?

May

  • How Will the Health-Care Bill Help You This Year?
  • Evaluating Risk in Your Portfolio
  • How Much Life Insurance Is Enough?
  • Can I Buy Gold and Silver in My IRA?
  • Frequently Asked Questions about 2010 Roth IRA Conversions

June

  • What You Should Know about Inherited IRAs
  • Returning to Work after You’ve Retired
  • Stock Dividends: And Income Alternative
  • How Have Stocks Performed after Recession?
  • How Long Does It Take a Bear Market to End?
  • Second-Quarter Capital Market Review

July

  • Will You See Higher Tax Rates in 2011?
  • Social Security: File-and-Suspend for Higher Benefits
  • Avoiding Probate: Is It Worth It?
  • My Child Got a Scholarship for College. Is It Taxable?
  • How Will a College Scholarship Affect My Child’s 529 Plan?

August

  • Year-End Tax Planning–Special Concerns for 2010
  • How Will Financial Reform Affect You?
  • Health-Care Reform Create Small Business Tax Credit
  • Will the New Health-Care Law Affect My Medicare Drug Plan
  • Does the New Health-care Reform Law Affect Health Spending Accounts?

September

  • Medicare Annual Enrollment Season Is Here
  • In-Service Withdrawals from 401(k) Plans
  • Year-End Investment Planning Is More Challenging in 2010
  • Will the New Health-Care Law Affect My Medicare Drug Plan?
  • Does the New Health-care Reform Law Affect Health Spending Accounts?
  • Third-Quarter Capital Market Review
October
  • The Independent 529 Plan
  • They’re Back: RMD’s for 2010
  • Transferring Your Family Business to Your Children
  • Is It Time to Give Mobile Banking a Try?
  • How Secure Is Your Mobile Device?

November

  • Federal Estate Tax Update — Inheriting Property in 2010
  • Eight Financial Aid Myths
  • What You Can Learn from a Mutual Fund Prospectus
  • Does Homeowners Insurance Cover Personal Liability?
  • Will My Homeowners Insurance Cover Tree Damage?

December

2009

2009

January

  • Exceptions to the Early Distribution Penalty
  • Federal Protection for Bank Deposits
  • Rethinking Your Retirement Game Plan
  • Can I Get an Estimate of My Child’s Financial Aid Eligibility Before We Officially Apply for Aid?
  • When Does My Child Need to Submit Financial Aid Applications?

February

  • The Higher Education Opportunity Act
  • Retirement Planning IRA Limits for 2009
  • The ABCs of 1031 Like-Kind Exchanges
  • Is My Brokerage Account Protected?
  • How Much Coverage Does SIPC Provide?

March

  • Improve Your Chances of Getting a Home Loan
  • IRAs and 401(k) Plans: Four Strategies in a Declining Market
  • You Just Lost Your Job. Now What?
  • Can I Convert My Traditional IRA to a Roth in 2009?
  • I Converted My Traditional IRA to a Roth in 2008–Can I Undo This?
  • First-Quarter Capital Market Review

April

  • Writing off Worthless Securities on Your Taxes
  • Investing in a Low Interest Rate Environment
  • What You Don’t Know Can Hurt You
  • How Much of Your Company’s Stock Should You Hold?
  • What Issues Might Company Stock Options Raise At Tax Time?

May/June

  • A Small Business Plan for Uncertain Times
  • Investing in a Low Interest Rate Environment
  • Retiring Early? Don’t Forget about Health Insurance
  • Can I Open a 529 Account in Anticipation of My Future Grandchild?
  • Can More Than One 529 Plan Account Be Open for the Same Beneficiary?
  • Second-Quarter Capital Market Review
  • New Tax Incentives

July

  • Changing Jobs? Take Your 401(k) and Roll It!
  • Estate Planning for a Second Marriage
  • Going to Graduate School: Ways to Pay
  • What Is the Credit Card Act of 2009?
  • What Is Two-Cycle Billing?

August

  • Social Security: What Does the Future Hold?
  • Refinancing Your Mortgage: Is It Worthwhile?
  • Estate Planning Opportunities in a Down Market
  • Can Creditors Reach My 401(k) Plan Account?
  • Can Creditors Reach My IRA Assets?

September

  • Is “Buy and Hold” Dead?
  • Roth IRA Conversions in 2010: Goodbye, Income Limits!
  • Understanding Principle-Protected Notes and CDs
  • What Health Insurance Options do College Students Have?
  • Can a Student’s Health Insurance Be Canceled during a Medically Necessary Leave of Absence?
  • Third-Quarter Capital Market Review

October

  • Protecting Yourself from Investment Scamsters
  • Finding the Right Financial Professional
  • Homeward Bound: Investing in the American Dream
  • Can I Change Investments in My 529 Plan Account?
  • I Am a Conservative Investor. Is a 529 Plan a Good Way to Save for College?

Nov & Dec