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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Long-established retirement account rules change. Provided by Walter Roop CLU, RHU The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement savings law...
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New I.R.S. Contribution LimitsChanges for 2020. Provided by Walter Roop The I.R.S. just increased the annual contribution limits on IRAs, 401(k)s, and other widely used retirement plan accounts for 2020. Here’s a quick look at...
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“When do I have to make mandatory withdrawals from my IRAs?” The basic rule is simple. Mandatory withdrawals from traditional IRAs, SIMPLE IRAs, and SEP IRAs generally begin after age 70½. They occur every year. (You...
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The Sequence of Returns A look at how variable rates of return do (and do not) impact investors over time. What exactly is the “sequence of returns”? The phrase describes the yearly variation in an investment...
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Investment Policy Statements What are they? Why are they important? Provided by Walter Roop CLU, RHU A self-fulfilling policy. An investment policy statement (IPS) is a document which helps the client and advisor stay “on the...
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Thursday, December 20, 2018
Some Changes Are Coming for 401(k)s Take note of them for 2019. Provided by Rob Lackey Some notable developments are about to impact 401(k) plans. They follow a major change that became effective in 2018. Thanks to the Tax Cuts & Jobs...
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Look beyond this moment and stay focused on your long-term objectives. Provided by Walter Roop CLU, RHU Volatility will always be around on Wall Street, and as you invest for the long term, you must learn to tolerate it. Rocky moments,...
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YOURS, MINE AND OURS: ESTATE STRATEGIES FOR SECOND MARRIAGES If you are one of the many Americans who are in a second marriage, you may need to revisit your estate strategy.¹ Unlike a typical first marriage, second marriages often...
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Some alterations to the Internal Revenue Code were less publicized than others. Provided by Walter Roop CLU, RHU Late last year, federal tax laws underwent sweeping changes. Nearly a year later, you can be forgiven for not keeping up...
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Thursday, August 30, 2018
Health Savings Accounts may provide you with remarkable tax advantages. Provided by Alicia Spurlock, MBA Why do higher-income households inquire about Health Savings Accounts? They have heard about what an HSA can potentially offer...
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Why You Want a Retirement Plan in Writing Setting a strategy down may help you define just what you need to do. Provided by Walter W. Roop, CLU®, RHU® Many people save and invest vaguely for the future. They know they need to...
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Tuesday, July 31, 2018
Should You Leave Your IRA to a Child? What you should know about naming a minor as an IRA beneficiary. Provided by Rob Lackey Can a child inherit an IRA? The answer is yes, though they cannot legally own the IRA and its invested assets...
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As an independent financial and investment advisor representative serving families, I believe in a client-focused, research-backed approach. My investment portfolios are designed to meet your wealth goals, on your schedule....
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Financial Elder Abuse: Perception vs. Reality Someday, you or your parents could be at risk. Provided by Walter W. Roop CLU®, RHU® |Financial Advisor* You may know victims of financial elder abuse. According to a new Wells...
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Comparing the old rules with the new. Provided by Walter W. Roop CLU®, RHU® |Financial Advisor* The Tax Cuts and Jobs Act made dramatic changes to federal tax law. It is worth reviewing some of these changes as 2019 approaches...
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A tax-advantaged option too many families overlook. Provided by Walter W. Roop CLU, RHU At first glance, a Roth IRA might seem an unusual college savings vehicle. Upon further examination, it may look like a particularly smart choice....
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The Many Benefits of a Roth IRAWhy do so many people choose it rather than a traditional IRA? Provided by Walter Roop CLU, RHU The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a...
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WHAT I THINK OF RETIREMENT Presented by Walter Roop CLU, RHU When I think of retirement, I think of spending every 90 days traveling to different places with my wife tasting exotic cuisines. I want to go fishing in Alaska with my son...
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ACA Open Enrollment Season Is Here After a November 1 start, the window closes December 15.Provided by Corey Branam, Roop Financial Account ManagerThis fall, the annual enrollment period to sign up for health insurance is shorter. In...
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Retirement Plan Trusts These tools can shield inherited IRA assets from lawyers and creditors. Provided by Walter W. Roop CLU®, RHU® |Financial Advisor* Inherited IRA assets are vulnerable in bankruptcy proceedings. Many older...
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Friday, August 18, 2017
Smart Ways to Prepare For Your Life Insurance Medical Exam Presented by Tyler Roop, Operations Manager
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SIGNING UP FOR A HEALTH INSURANCE PLAN DURING OPEN ENROLLMENT If you want to buy a health plan or change the plan you have, what do you do? Presented by Corey Branam, Group Accounts Manager Newly-elected President Trump and the...
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Wednesday, August 16, 2017
WHAT TO DO FINANCIALLY WHEN A SPOUSE DIES Steps to see that financial matters remain in good order. Presented by Walter Roop CLU, RHU When a spouse passes away, the emotion and magnitude of the loss can send our lives reeling. This...
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Sunday, August 13, 2017
Medicare Enrollment Options for 2017-18A summary of what you need to know. Provided by Alicia Spurlock MBA Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries...
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Will You Be Prepared When the Market Cools Off?Markets have cycles, and at some point, the major indices will descend. Provided by Walter W. Roop CLU®, RHU® | Financial Advisor* We have seen a tremendous rally on Wall Street,...
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