Newsletters

March

• HOT TOPIC: The Coronavirus and the Global Economy

  An examination of how China’s coronavirus-driven slowdown has affected global business activity and a look at its potential economic impact.

• Stay-at-Home Spouse? Consider a Spousal IRA

  Stay-at-home spouses can fall behind in saving for retirement. This article explains how a spousal IRA can help keep retirement savings on track.

• Three Lessons from Retirees

  A survey of workers and retirees yielded three key findings that may prove helpful in planning for retirement. Find out more.

• Five Red Flags That Raise the Odds of an Audit

  Ever wonder why the IRS might take a closer look at a taxpayer’s return? This article discusses different types of audits and what might trigger one.

• Behavioral Biases That Can Lead to Costly Mistakes

  Learn about six blind spots that can lead to regrettable portfolio decisions (and how investors might avoid them).

• Classifying Workers: Know the Rules and Risks

  This article explores the complex web of federal and state tax and employment laws that determine how businesses must classify workers.

February

• HOT TOPIC: The SECURE Act and Your Retirement Savings

  A discussion of the important provisions in the SECURE Act that could affect retirement, tax, and estate planning strategies.

• Three Generations of Retirement Strategies

  Millennials, Gen Xers, and baby boomers face different challenges in pursuing retirement goals. This article offers strategies to help address them.

• Do Target-Date Funds Hit the Bull’s-Eye for You?

  More than half of 401(k) participants invest in target-date funds, but are they right for everyone? This article provides an overview.

• Retirement Savings: Traditional, Roth, or Both?

  How does a traditional or Roth structure affect your IRA or employer-sponsored retirement plan? And what do their differences mean for older workers?

• Municipal Bonds

  Tax changes in the 2017 Tax Cuts and Jobs Act affect some investors more than others, with implications that spill into the municipal bond market.

• What Is Cyber Insurance, and Do You Need It?

  Cyber attacks and loss of data can be devastating, so businesses should be proactive about addressing this risk.

January

• Give and Receive with a Charitable Remainder Trust

  Discover how to give a substantial gift to a favorite charity while receiving a flow of income during your lifetime.

• Running with the Dogs

  See how the Dogs of the Dow, an investing strategy known for chasing dividends and value, can be implemented through a unit investment trust.

• Rain, Sleet, Snow — and Lawsuits?

  Icy winter walkways can lead to injuries and lawsuits. Find out how an umbrella policy can offer higher liability coverage.

• Business or Hobby? It’s All About Taxes

  The difference between a money-losing business and a hobby matters at tax time. This article presents IRS criteria for making the distinction.

• Is It Time to Step Up Your Digital Marketing?

  Now that 28% of Americans report being online “almost constantly,” could digital marketing be a cost-effective way to attract new customers?

December

• Online Shopping Tips

  As web-based retail sales continue to grow, these tips may help ensure a safer online shopping experience.

• What’s Required of the Executor of an Estate?

  Being named the executor of an estate can be an honor, but this overview shows why it can also be a difficult and time-consuming job.

• Prices and the Economy

  Low inflation may seem like good news, but it has a darker side. See which factors might be driving down inflation in the United States.

• Qualified Charitable Distributions

  Discover how qualified charitable distributions work and why they may now be more valuable than taking a tax deduction.

• A New Option for Providing Health Coverage in 2020

  Learn more about Individual Coverage Health Reimbursement Arrangements and how they may help small businesses offer employee health coverage.

November

• Three Regrets of Retirees

  More than half of retirees surveyed had retirement planning regrets. Explore the three most common mistakes and how to avoid them.

• Medicare Open Enrollment

  This article explains the changes that Medicare beneficiaries can make during the annual open enrollment period from October 15 to December 7.

• Closed-End Funds May Offer Higher Income

  Discover why closed-end funds may offer potentially higher income streams than traditional mutual funds holding similar securities.

• Taming Investment Taxes

  Do you know how investments are taxed and which strategies can help improve a portfolio’s tax efficiency?

• Retirement Plans for the Self-Employed Dangle Tax Benefits

  Solo 401(k) plans and SEP IRAs may help small-business owners and the self-employed shelter more income from taxes and save for the future.

October

• HOT TOPIC: Could a Health Savings Account Help Strengthen Your Retirement Plan?

  In addition to setting aside pre-tax income to pay current and future medical expenses, an HSA could play an important role in your long-term retirement strategy.

• Protection to Help Your Family

  Explore the benefits of individual life insurance versus work-based coverage, and compare term and permanent policies.

• Five Money Issues to Talk About Before the Wedding

  Before saying “I do,” newly-engaged couples may want to discuss these five key financial topics.

• What Medicare Won’t Cover

  See potentially expensive services Original Medicare doesn’t cover and how Medicare Advantage, Medigap or private insurance might help.

• Index Update: Shifting Sectors Reflect Social Change

  How do recent classification changes reflect shifts in the telecommunications sector, and what does that mean to investors?

• Coping with a Labor Shortage

  As small businesses struggle to recruit and retain employees in a tight job market, these tips may help owners meet staffing needs.

September

• Sticker Shock May Drive Consumers to Used Cars

  As new car prices skyrocket, these three trends could make 2019 a good year to buy a three-year-old vehicle.

• Risk Tolerance: Stress-Test Your Portfolio…and Yourself

  Do you know your personal tolerance for market risk? Here are three key questions that may help you find out.

• Steps to Help Lower Capital Gains Taxes

  Discover how the step-up in basis provision may help reduce capital gains taxes and preserve the value of assets left to heirs.

• Life Insurance Strategies: Reasons Empty Nesters May Want Permanent Coverage

  As policyholders age, life insurance could help supplement retirement income, support a surviving spouse, and/or leave a legacy.

• Could Employee Ownership Be Part of Your Succession Plan?

  An employee stock ownership plan may be a tax-friendly way for retiring small-business owners to pass the reins to employees.