Blog & Helpful Articles

Most recent items are posted below. Please use our 'Categories' menu to find more helpful resources by topic.

16th Nov, 2017

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Should you consider setting up a trust?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

You may think of trusts as luxurious financial vehicles for the elite and wealthy, but the variety and versatility of trusts available offer a number of options to anyone with clear ideas about what they want their hard-earned wealth to do.

Trusts Can Allow Greater Privacy
One of the most common uses of a trust…

Forbes 2018 Tax Guide

30th Oct, 2017

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The Internal Revenue Service has announced the annual inflation adjustments for a number of taxrelated provisions for 2018, including, of course, the latest tax rate schedules and tax tables. These are the numbers for the tax year 2018 beginning January 1, 2018 (assuming there are no big changes as the result of tax reform). They are not the numbers and tables that…

27th Oct, 2017

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Don’t Let Myths Derail Retirement

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

As an individual, you’re unique — and so is your retirement plan. Yet many Americans continue to believe some common retirement myths that have the potential to derail or negatively impact one’s future.

Myth: You only need to plan for retirement. Once you retire, the work is done.
It’s best to think of your retirement plan…

13th Oct, 2017

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How safe is your online identity?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

As Americans increasingly turn to the internet to connect, work and shop, the threat of malicious hackers and identity thieves continues to rise. We in the financial services industry are upping efforts to secure clients’ information, but there are additional efforts individuals must consider as part of a more holistic approach.

Understanding IRAs and Retirement Plans

10th Oct, 2017

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Understanding IRAs and Retirement Plans / Tax-Saving Strategies

History of IRAs:

Employee Retirement Income Security Act of 1974 (ERISA):

  • Federal law establishing standards for private pension plans.
  • Did not require employers to have pension plans, but enforces rules for those that do.
  • Studebaker went out of business in the late ‘60s and couldn’t pay their employee pensions because they weren’t funded adequately.
  • Taxpayers could contribute up to $1,500 per year and reduce taxable income by the…

30th Sep, 2017

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What is socially responsible investing?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

The demand for socially responsible investing has grown 33 percent since 2014, signaling increasing investor interest in making a positive difference in the world. Is this a passing fad or an investment factor worth considering?

SRI and ESG
Sustainable, responsible and impact investing (SRI) focuses on environmental, social and corporate governance (ESG) criteria in…

Addressing Consumer’s Objections to Annuities

19th Sep, 2017

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Addressing Consumer’s Objections to Annuities

From: www.wealthmanagement.com

Annuities, according to author and retirement income expert Tom Hegna, aren’t bad, but, he cautions, “there are bad annuities.” In this video clip from The American College New York Life Center for Retirement Income, Hegna speaks with Professor Dave Littell about common consumer objections to annuities and what advisors can do to reframe the conversation with clients about this important tool as part of an…

15th Sep, 2017

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Should you get travel insurance?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

Vacations are worthwhile investments that require logistical and financial planning, often months in advance. What you put in shapes what you’ll get back. So when does it make sense to add travel insurance to your vacation checklist?

Consider the Coverage You Might Need
Most travel insurance policies address three main facets of travel: medical situations, loss/theft…

50 Things: What a Professional Financial Advisor Does for You

15th Sep, 2017

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50 Things: What a Professional Financial Advisor Does for You

Financial Planning

  1. Cares more about you and your money than anyone who doesn’t share your last name.
  2. Guides you to think about areas of your financial life you may not have considered.
  3. Formalizes your goals and puts them in writing.
  4. Helps you prioritize your financial opportunities.
  5. Helps you determine realistic goals.