Investor Education | Financial Articles

Fall 2022

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Winter 2019

Fall 2017

It's hard to believe that Thanksgiving and Christmas are nearly upon us.  As fall clean-up wraps up and our evenings are mostly spent indoors, we have a little extra time to review and plan for our current or future income strategy.  The article on page 3 gives tips for ways to save before retirement and the article on page 4 is great for those of you who are taking mandatory distributions from your IRA's.  I really appreciate your business.  Call anytime with questions.  ~ Tam

Summer 2017

Summer has finally arrived! As you enjoy all the season has to offer, remember income planning during retirement is just as important as saving for retirement, and we can help with both! It's good to review the article regarding the Sandwich Generation, and if you fall into this group, what items to be aware of. The last article on phishing scams is a good reminder that even when you take time off to enjoy the weather, crooks don't. As always, if we can help in any way, please call. Thank you for your business and your friendship. ~ Tam

Spring 2017

It appears that Spring 2017 is finally here! As we finish up tax returns and prepare for spring clean-up and flowers, take a moment to review your financial plan. Does it include goals and a roadmap on how to achieve them? Are you already retired with needs for monthly income? We are able to help both planners and retirees. Call today to schedule your review. Thanks you for your business and your friendship!

Fall 2016

With crisper air and leaves on the ground, we switch our focus from “fun in the sun” to taking time to review our estate planning documents (will, poa, trusts, etc) to make sure our accounts are titled properly, beneficiary designations are updated, and our loved ones know where to find our information if they need to.  See Is your estate-plan letter perfect? for more info.  The article on Filling out the FAFSA: not child’s play talks about changes in FAFSA applications, important for parents sending kids off to school over the next few years to know.  Big changes occurring next year between clients and advisors like myself as a result of the new DOL ruling will result in new contracts.  I will be in touch with you as the changes become effective.  As always, thank you for your business and your friendship, call if you have any questions, and if you know of someone that might be helped by my services, please share this newsletter and ask them to give me call.  Happy Fall!  ~ Tam

Spring 2016

It will be an interesting year of market fluctuations as we go through the election process. But in the midst of it all, it’s important to remember that short term volatility can be much different than long term performance. Check out; Avoid these seven financial sins. We are here to help navigate your plan to your goals, regardless of what the market may throw at us. Please call to schedule your financial review today. Happy Spring! ~ Tam

Winter 2016

As you begin preparations to complete your 2015 tax returns, here’s some timely information regarding taxes and Roth conversions, as well as some interesting insight into the world of QTIPS.  With the current market volatility, it is important to remember your goals and time horizons with regards to money invested, so decisions are not made without regard as to how they may impact your long term planning.  If you have any questions or would like to schedule a review meeting, please call me to set something up. ~ Tam

Fall 2015

As the leaves start to fall and outdoor activities wind down, we have an opportunity to meet with financial and tax planning professionals to consider strategies before year end that can help identify short and long term tax savings.  It is also a good time to review and update retirement goals and evaluate plan performance and outlook.   Gifting and satisfying RMD (Required Minimum Distributions) from retirement accounts must also be considered and satisfied prior to year end.  Call today to schedule your review appointment. ~ Tam

Summer 2015

What a beautiful summer we’re having! This edition of our quarterly newsletter features a terrific reminder of the merits of a durable power of attorney document. I believe it’s one of the most important documents an individual can complete. Please call if you have any questions. ~ Tam

Spring 2015

As more baby boomers consider retirement, focus moves from not only accumulation of assets, but income planning.  I can help you make decisions regarding how to maximize social security, provide lifetime income, and invest assets to meet other goals during retirement.  I am trained to provide expertise in these areas and am committed to help you plan the next big "thing" in your life!  If you haven't come in to complete and review our Goal Planning software program yet, call to schedule an appointment. There is no cost to do this, and it is a great way to determine a probability of success in meeting your goals and help you have confidence planning your retirement dreams. ~ Tam

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.