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Resources: Financial Articles

These last few post-crisis years could be called the Age of Recovery: The Federal Reserve and other central banks have kept interest rates extraordinarily low to try to revive their economies. In doing so, they've helped stocks, but the low rates have made it much more difficult for investors in need of income.

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Summer 2014

Psst...the backdoor route to a Roth IRA
High earners who can't contribute to a Roth have another way in. Read More >>

Five ways to reduce new surtax
Certain high-income investors may be liable for a new 3.8% Medicare surtax on investment income in 2013. Unlike other tax changes in the American Taxpayer Relief Act of 2012 (ATRA) taking effect this year, this provision was part of the Patient Protection and Affordable Care Act of 2010 (PPACA). With some astute planning, you may be able to reduce the surtax you owe in 2013, or even eliminate it. Read More >>

Retirement savings: beauty before age
At what age should you start saving for retirement?   The easy answer: whatever age you are right now.  It is neither too early nor generally too late to begin, although the manner and method of savings will likely vary, depending on your stage of life. Here is a snapshot of what it may look like at different times. Read More >>

A bounce-back for charitable rollovers
Once again, time appears to be running out on a unique estate planning strategy for retirees.  Under a special tax law provision, an individual aged 70½ or older can transfer funds directly from an IRA to a qualified charitable organization while paying zero tax on the distribution.  Such a “charitable rollover” also counts as a required minimum distribution (RMD) for tax purposes. Read More >>

Don’t make the same investment mistakes
We all make mistakes, but some of them turn out to be worse than others.  For instance, the types of errors you might commit as an investor could haunt you for years, dramatically affecting your lifestyle. Read More >>

New Law Includes  Pension  Law Changes
Congress was able to agree on one significant “retirement planning” law prior to the November election.
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Will Working Longer Help—or Hinder—Your Social Security Benefit?
Continued earnings could increase your Social Security benefit depending on your situation. One thing is for sure: working part-time at reduced pay will never cause your benefit to go down.

When to Apply for Social Security Benefits
With the demise of guaranteed pensions, and in light of the risks you face in managing your own retirement assets, maximizing Social Security becomes a critical part of retirement planning

Q&A: Outlook for U.S. Markets
Economist Darrell Spence discusses his outlook for the U.S. economy and financial markets.

Q&A: Outlook for Fed Policy
Economist Benson Durham discusses the prospects for the Federal Reserve to taper its bond purchasing program, the importance of housing market recovery and the long-term legacy of central bank intervention.

Q&A: Outlook on Interest Rates and the Economy
Portfolio Manager John Smet discusses whether interest rates are set to rise as the U.S. economy shows signs of improvement and whether investors should stay invested in bonds.

Recapping Our Beginning-of-Year Calls
Stocks capped off a strong first quarter by closing at record highs. After coming close several times in the past few weeks, the S&P 500 Index gained 0.8% last week to close at 1,569, surpassing the pre-credit-crisis 1,565 record from 2007. The Dow Jones Industrial Average gained 0.5% to yet another new high of 14,578 and the Nasdaq Composite rose 0.7% to a one-year high of 3,267. In fixed income markets, Treasury yields continued to fall (as prices correspondingly rose), with the 10-year yield dropping from 1.93% to 1.85%. Read More >>

Spring 2014

Roth IRA

Social Security Articles

Fall 2013

Winter 2013

Fall 2012

Summer 2012

Spring 2012

Winter 2012

Summer 2011

Spring 2011

Winter 2011

Fall 2010

Spring 2010


This newsletter/advertisement is produced for our clients, friends and associates through an arrangement with WPI Communications, Inc. for the representatives’ use. Although the editorial content is professionally researched, written and edited, neither our firm nor any of its agents, representatives or associates make any representations regarding the accuracy of the content or its applicability to your situation. The information in this communication is not intended as tax or legal advice. In accordance with IRS Circular 230, the information provided herein may not be relied on for purposes of avoiding any federal tax penalties. Any tax advice contained in the body of this material was not intended or written to be used, and cannot be used, by the recipient for the purpose of 1) avoiding penalties that may be imposed under the Internal Revenue Code or applicable state or local tax law provisions, or 2) promoting, marketing or recommending to another party any transaction or matter addressed herein. You are encouraged to seek tax or legal advice from an independent advisor.

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