Eaton Vance Parametric Tax-Equivalent Yield Calculator

Your investment decisions. Your tax consequences.

Due to differences in tax treatment, municipal bonds that provide federally tax-exempt interest income typically yield less than taxable bonds. For the same reason, municipal bonds whose interest is exempt from state and local income tax may yield less than municipal bonds whose interest is taxed in a particular jurisdiction. When considering potential investments in different types of bonds, you should evaluate yields on…

David Morgan joins Les Winston on Endow America Network to talk about the four-displine approach to REAP’s wealth and retirement planning strategies, including wealth management, estate planning, tax management and income planning, and how these disciplines are intermingled and coalesce with each other.

Objectives for the NCF 2015 Pooled Income Fund

The NCF 1015 Pooled Income Fund – IOUI has been created to provide long-term growth of principal with an emphasis on distribution of income to income benificiaries. Assets of the PIF will be invested in a manner looking to the relative interests of the income beneficiary and the charitable remainderman.

“Total return” provisions (“TRPIF”) are designed to provide distributable net income, with a secondary investment objective of reasonable…

By Sharon Wagner

Whether due to choice or necessity, many adults stay in the workforce well past retirement age. Unfortunately, many of those seniors work in customer-facing professions where they’re at high risk of contracting COVID-19. Sales and service-related jobs are the second and third most common industries for older workers, with 37 percent of workers aged 55 and up employed in these sectors.

For countless seniors in customer-facing professions, the decision…

4 Security Best Practices to Consider

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

Now that you may be spending more time at home and online, knowing how to keep your sensitive information and conversations safe has become even more important.

Are you following the best practices for protecting your financial details (and other sensitive data)?

Here are four steps you may want to take.

Use a password manager. Do you struggle to remember…

Coronavirus’ Devastating Economic Impact on Workers Age 50-Plus

From: www.aarp.org

The case for emergency funds, paid leave and protection from discrimination

The devastating recent jobs numbers show that the coronavirus is taking a historic toll on workers of all ages. Over 10 million filed for unemployment in the last two weeks of March.

Among those affected are the 54 million U.S. workers age 50-plus. According to a federal…

Seniors and Debt: How to Cope with Financial Setbacks Post-Retirement

From: www.annuityfreedom.net

Retirement is supposed to be a time to relax, enjoy simple pleasures, and perhaps check items off your bucket list, like traveling to faraway places. Unfortunately, that worry-free scenario is increasingly rare. Despite decades of working hard and saving, many seniors are finding that unexpected life events have derailed their finances. Medical or dental problems, divorce or widowhood,…

Retirement Insecurity in the Time of COVID-19: The Next Shoe to Drop?

From: www.kff.org

Americans of all ages are increasingly worried about their finances now that the coronavirus has infected the economy. So far, the media coverage has focused more on the fallout for working families who are struggling to make ends meet, after losing their jobs, and income, as businesses shutter for the foreseeable future….

Will Your Social Security Retirement Income Be Enough?

From: www.forbes.com

As more and more Americans are looking ahead to retirement, for some, the reality of not having enough income to pay the bills may be setting in. Even with income benefits from Social Security, many retirees are finding that it is necessary to return to a job or cut back on their living expenses. But, this may not be the…

Maintaining a Healthy Financial Mindset

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

You’ve worked hard to build a safety net and plan carefully for the future, but that doesn’t mean your preparations are set in stone. As we’ve learned over the last few months, things can change when you least expect them to.

By cultivating a healthy approach to uncertainty and your finances in general, you can continue to make the…