Newsletter Archive



Ways To Structure A Business Sale
If you plan to sell your business within a few years, there are a number of ways to do so. Here are a few scenarios you might consider before selling.

Supercharge It
If you turn 50 this year, the federal tax code offers a few ways to contribute more tax-deferred money to your retirement accounts. Here’s a look at how much you can save in some popular plans.

Supercharge It
If you turn 50 this year, the federal tax code offers a few ways to contribute more tax-deferred money to your retirement accounts. Here’s a look at how much you can save in some popular plans.

Saving For College
Paying for college or university has become increasingly expensive. Outstanding student loan debt in the fourth quarter of 2018 rose to $1.46 trillion, an increase of $15 billion, according to the New York Federal Reserve. Higher education may be expensive, but even if high school graduation is only two years away, you have five years to save for senior year of college. A 529 plan and Coverdell Education Savings Account (ESA) are two tax-advantaged ways to save.

August 2019 Client Profile
Jean and Bill are snowbirds who spend half the winter in a Sunbelt state. They heard that they can establish their residency in that state and pay lower taxes because the warmer state has no income tax. How do they establish residency?

Working Capital And Your Company
It’s one thing to be thrifty if you own your own business, but you’ll need to open your company wallet if you want to grow your business. Here are some ways to find the working capital you’ll need.

Nannies, Housekeepers and Taxes
If you hire a nanny, housekeeper or other household worker who will earn at least $2,100 from you in 2019, you will have to pay employment taxes. Here’s what you need to know, courtesy of the Internal Revenue Service.

August 2019 Q & A
Let's talk about the impact storm damage can have on your home and small business.

August 2019 Short Bits
Healthcare costs are up, retirement confidence is up, and the GDP is up in Q1. Let's take a closer look.

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Time For A Tax Tune-Up
The dog days of summer are a great time to review your finances and make the adjustments needed to ensure a tax-efficient year. Here are some strategies you might consider to minimize taxes:

No Gift Clawback
The IRS and Treasury Department issued proposed regulations that would ensure no clawback of large gifts if the federal estate tax exemption reverts back to 2017 levels.

Terms Income Investors Should Know
If you are an income investor, you’ll want to understand what yield curve, inversion and laddering are all about. Here’s why:

July 2019 Client Profile
Laura is nearing her planned retirement at age 66 and she is considering cashing in her entire 401(k) plan in one lump sum. What are the pros and cons of taking this money all at once

Disaster Plans For Small Businesses
Before hurricanes, tornadoes and floods make summer news, take some time to create or review a disaster plan for your business.

How To Set Up An Internship Program
If your business has grown or you are constantly looking for qualified employees, setting up an internship program may help both your business and interns who seek valuable job experience. An internship program is not, however, free labor. Federal law prohibits it in most cases, requiring most interns be paid at least the federal minimum wage.

July 2019 Question and Answer
Let's discuss Medicare enrollment, and mutual funds.

June 2019 Short Bits
PPI SLOWING. The Producer Price Index (PPI) for final demand for the year ending February 2019 rose just 1.9%, calming inflation fears.

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A Different Type of Audit
Auditing your human resources, whether you have a department devoted to it or not, can help protect you, your employees and your business while identifying solutions that can make your company stronger.

Safe Harbor
The IRS has provided guidance on a safe harbor method for determining depreciation deductions for passenger automobiles acquired and put into service after September 27, 2017 that qualify for the 100% additional first-year depreciation deduction.

5 Reasons Why Estate Planning Matters
Ask the average person if estate planning is necessary and you will likely hear this answer: “That’s only for the rich.” This is not true. At some level, estate planning is necessary for almost everyone, regardless of income or amount of assets. Let’s count the areas of your life estate planning affects:

June 2019 Client Profile
Spencer has run a successful restaurant for more than five years, but is now reaching a crossroad. He wants a bigger space for his business to grow, but he can’t afford the prices in his current neighborhood. Should he relocate?

Audits For Private Companies
Publicly traded companies are used to undergoing financial audits — it’s a requirement for most of them - but privately held companies can generally keep their finances private. However, lenders and some insurance companies may require you to have an audit performed. And, in any event, an audit can help owners pinpoint problem areas and identify solutions that can improve their company’s prospects.

Benefits of an Insurance Audit
A financial audit isn’t the only type of helpful review. Individuals can conduct their own insurance review, taking a comprehensive look at the financial protection they need in various areas of their lives.

June 2019 Question and Answer
Let's talk qualified business deductions and student loan interest deductions.

June 2019 Short Bits
Let's take a quick look at some key U.S. economy metrics.

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Retirement Revised
If you have unsuccessfully tried to ignore the flood of warnings about how much healthcare, long term care and increased longevity will cost in retirement, you have company. While you shouldn’t ignore any information that can help you prepare, you need to examine the aspects of retirement that are most likely to affect your savings. Here are some common warnings, and ways you might want to respond to fit your situation.

Next Up: Generation Z
The first of the youngest group of workers — Generation Z — is making its way into the workplace. How will they differ from previous generations and what should employers know to communicate best with them, whether about company culture or employee benefits? If you have a business you hope to take far into the future, you should get to know Gen Z.

May 2019 Client Profile
Lisa has a special-needs adult child and wants to ensure the child has the money necessary for care after she is no longer here to provide it herself. Can a specialneeds trust help, and how does she get one started?

Filling the Gaps
If you’re like most business owners, you offer vacation time to your employees. And if your employees are like most workers, they’ll take some time off during the summer when the kids are out of school and the weather is nice. For many business owners, temporary workers help fill the gaps during this time. If your business is considering a temporary staffing solution, consider this:

Advice from the Master
Legendary mutual fund pioneer John Bogle died in January, but his legacy lives on. The inventor of the first mutual index fund more than 40 years ago, Bogle was a huge believer in the power of numbers and low investing costs. His beliefs are as valid today as they were decades ago. Here are three pieces of wisdom that still apply:

May 2019 Question and Answer
Let's discuss disability income insurance, and filing for FAFSA.

May 2019 Short Bits
Let's take a quick look at some statistics from the Bureau of Labor (BLS).

Passing Through
The IRS issued final regulations and more guidance for the new qualified business income (QBI) deduction available to some business owners. Also known as the pass-through deduction, this benefit allows many sole proprietors and owners of partnerships, S corporations, trusts and estates and some real estate investment trusts to deduct up to 20% of their QBI on their tax returns.

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