Planning for Prosperity / Wealth Management Advisor

Showing 273–288 of 301 results

  • Time to catch your breath – The new year offers a chance to sit down and reassess your financial standing

    January / February 2010
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 540

    Abstract: The last two years were an especially slippery slope for individual finances, thanks to a volatile stock market, record unemployment and tight credit markets. These circumstances make the new year an ideal time to assess personal financial status. Any such assessment should begin with determining net worth. Another key area to reconsider is homeowners insurance, which might be affected by recent declines in the housing market, and life insurance. It’s also important to determine whether W-4 withholding status, 401(k) beneficiaries and deferral amounts are up to date.

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  • During market uncertainty, annuities can offer reassuring value

    January / February 2010
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 843

    Abstract: Annuities have a reputation for being a slightly stodgy alternative to other types of investments. But these days, stodgy may seem just fine to investors, many of whom are reconsidering the value these insurance contracts offer for their retirement savings. In their ability to provide income throughout retirement, annuities resemble a traditional company pension plan, but in some cases may also provide a death benefit. But there are differences between fixed and variable annuities, and a number of pros and cons to consider when deciding whether to annuitize.

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  • Document it or lose it – Substantiation rules for charitable gifts

    January / February 2010
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 750

    Abstract: The right combination of lifetime donations and charitable bequests can not only help support charitable organizations, but also reduce income taxes and minimize gift and estate taxes. But the government isn’t so generous when it comes to inadequate documentation of these donations. There are different degrees of documentation required, depending on the value of gifts and whether they’re donated in the form of cash, securities or property. To avoid losing deductions, it’s important to have documentation in order before filing a return.

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  • Do you think college financial aid is out of your reach? It may not be — if you take steps to maximize your eligibility

    January / February 2010
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 691

    Abstract: As college costs continue to rise faster than inflation, it’s never been more challenging — or more important — to have a plan for managing those expenses. But families more fortunate than others might not have realized the extent to which financial aid may be available to them. This article takes a look at grants, scholarships and loans, and offers tips to increase eligibility for aid. A sidebar discusses the Free Application for Federal Student Aid (FAFSA) form that is often required when applying for aid.

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  • 21st century financial services – Go online to manage your personal finances

    November / December 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 350

    Abstract: Today, the Internet affects almost all facets of many people’s lives, including managing their personal finances. There’s a wealth of information literally at one’s fingertips, including current bank account balances and up-to-the-minute stock prices. Two important vehicles for online management are banking sites and podcasts.

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  • On the same page – Communicate your estate planning motives with a mission statement

    November / December 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 580

    Abstract: There are several reasons to create an estate plan, and there are many estate planning techniques and strategies to help achieve one’s estate planning goals. But, to avoid disputes, an important final step is communicating one’s intent and wishes to family members. This can be accomplished through a written mission statement — an effective way to help loved ones understand the decedent’s motives and the values and principles underlying the estate plan.

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  • Is it time to refinance your mortgage?

    November / December 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 557

    Abstract: After the Federal Reserve Board slashed interest rates last spring, it triggered a new wave of mortgage refinancing applications from homeowners seeking to lock in the historically low borrowing costs. But it’s important to review the pros and cons for one’s specific situation before taking the refinancing plunge. Homeowners need to ask themselves questions about their existing mortgage rate and whether it’s fixed or adjustable, along with how long they’ve had their mortgage and how long they expect to be in their home. And strong credit is more important than ever. A sidebar to this article looks at loan-to-value ratios.

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  • Two options, one choice – As retirement nears, should you keep funds in your employer’s 401(k) plan or roll over into an IRA?

    November / December 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 813

    Abstract: There’s no one right answer about whether someone approaching retirement should roll over retirement assets or leave them in their 401(k) plan. But one thing is true for everyone — the choice can make a difference in their ability to achieve their long-term financial goals. Taxes and penalties, investment fees, opportunities for diversification, timing of withdrawals, the ability to borrow, and inheritance issues should all be considered in arriving at the best answer.

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  • Smooth transition – Financial tips for managing unemployment

    September / October 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 510

    Abstract: The possibility of becoming unemployed is on many people’s minds these days. But it may be possible to mitigate the effects of unemployment by planning ahead. Items to consider include possible severance pay, unemployment benefits, and health insurance options.

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  • An additional gift for your heirs – Educate beneficiaries on the advantages of using a trust

    September / October 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 713

    Abstract: After a person’s death, his or her heirs will receive their inheritance, which then becomes a part of their taxable estates. To avoid this potential additional estate tax liability, it might be advisable to leave amounts to a trust rather than directly to loved ones. This article describes some of the benefits of a trust and discusses what to look out for when setting one up.

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  • Do you have enough life insurance?

    September / October 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 682

    Abstract: Life insurance can help a family maintain its standard of living even if the breadwinner is no longer around to provide for it. A policy can help prevent a family from having to sell its house or make other dramatic adjustments in their standard of living to make ends meet. But different people have different insurance needs. This article explains what to consider when planning for the future, while a sidebar describes the differences between term and permanent insurance.

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  • Nest egg repair – Rebuild your retirement savings one step at a time

    September / October 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 594

    Abstract: For all but the most conservative investors, it’s not likely that retirement account balances are what they used to be. Unfortunately, only time may bring back what many have lost. But the silver lining is that they can take steps today to rebuild their 401(k) plans or other retirement accounts and prepare their portfolios for better times ahead. Among their options are to save more, invest automatically, and work longer.

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  • Consider taxes before you hire household help

    July / August 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 571

    Abstract: When you hire someone to work in your home, you become an employer. Thus, you have specific tax obligations, such as withholding and paying Social Security and Medicare (FICA) taxes and possibly federal and state unemployment insurance. So before you say, “You’re hired,” make sure you understand your tax obligations — and the penalties for not meeting them. This includes knowing who qualifies as an employee, what taxes are owed, and how to pay them.

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  • Planning ahead – Tips for a near-term retirement

    July / August 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 756

    Abstract: Whether you’ve already retired or plan to do so soon, one question is likely foremost on your mind: “Will I have enough?” To make sure the answer is “yes,” there are a number of specific steps you can take to keep your portfolio growing and to balance income and spending — and to play “catch-up” if it looks as if you’re falling short of your objectives.

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  • Education savings – Making the most of your 529 plan

    July / August 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 918

    Abstract: Many are discovering that their 529 college savings plans have taken a hit in the current economic downturn. You can’t change the past, but you can make the most of the present situation. Depending on your investing time frame, you may be able to use market conditions to your advantage. Also, as a sidebar explains, recent legislation has expanded the kinds of higher education expenses that are covered. Even if you choose to close an account, you may be eligible to claim a loss on your income tax return.

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  • Do your dependents qualify you for tax breaks?

    July / August 2009
    Newsletter: Planning for Prosperity / Wealth Management Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 790

    Abstract: When you’re doing your taxes, can you count your unemployed brother-in-law as a dependent? How about your live-in niece? IRS rules say that both of the above could qualify as a dependent, under the right circumstances. For federal tax purposes, it all depends on whether that person is your “qualifying child” or, in some cases, a “qualifying relative.” This article discusses some of the criteria that can help you determine whether a child or relative may give you a tax advantage.

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