Newsletters


The Health Wealth Connection

It’s a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues often result in yet more nancial struggles. e clear connection between health and wealth is why it’s so important to develop and maintain lifelong plans to manage both.
... Read More...

Be a Financial Caregiver for your Parents & Student Loan Debt: It isn't just for Millennials

If you are the adult child of aging parents, you may find yourself in the position of someday having to assist them with handling their finances. Whether that time is in the near future or sometime further down the road.....
... Read More...

Tax Benefits of Homeownership & Are You Ready to Retire?

Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive....
... Read More...

Converting Retirement Savings Into Income & Spring Cleaning Your Finances

You've been saving diligently for years, and now it's time to think about how to convert the money in your traditional 401(k)s (or similar workplace savings plans) into retirement income..
... Read More...

Federal Income Tax Return Date Approaches - 401(k) Penalty Tax

Tax filing season is here again. If you haven't done so already, you'll want to start pulling things together - that includes getting your hands on a copy of last year's tax return and gathering W-2s, 1099s, and deduction records.
... Read More...

Can the IRS waive the 60-day IRA rollover deadline?

If you take a distribution from your IRA intending to make a 60- day rollover, but for some reason the funds don’t get to the new IRA trustee in time, the tax impact can be signi cant.
... Read More...

Medicare or Medicaid - Credit Card Reward Offers

It's easy to confuse Medicare and Medicaid, particularly since they're both government programs that pay for health care. But there are important differences between each program.
... Read More...

Catch-Up with Your 401(k) or IRA & Smart and Effective Charitable Donations This Holiday Season

A recent survey of baby boomers (ages 53 to 69) found that just 24% were confident they would have enough money to last throughout retirement... ... Read More...

Medicare Open Enrollment

Each year, current Medicare beneficiaries can make changes to their Medicare coverage for the following year during the Medicare Open Enrollment Period that starts on October 15 and runs through December 7. ... Read More...

Early Retirement Health Care Options & Employer Early Retirement Offers

If you're eligible for an early-retirement package from your employer, determine whether post-retirement medical coverage is included. These packages sometimes provide medical coverage until you reach age 65 and become eligible for Medicare. ... Read More...

The Importance of Saving for Retirement at a Young Age

If you're an adult in your 20s, you are entering an exciting stage of life. Whether you've just graduated from college or are starting a new career, you will encounter many opportunities and challenges as you create a life of your own. ... Read More...

Mid-Year 2016: An Investment Reality Check

Market volatility is alive and well in 2016. Low oil prices, China's slowing growth, the prospect of rising interest rates, the strong U.S. dollar, global conflicts--all of these factors have contributed to turbulent markets this year. Many investors may be tempted to review their portfolios only when the markets hit a rough patch, but careful planning is essential in all economic climates. ... Read More...

Projecting a Happy Retirement & Life Insurance Options After Retirement

A 2015 study found that 41% of households headed by someone aged 55 to 64 had no retirement savings, and only about a third of them had a traditional pension. ... Read More...

Understanding Stock Market Indexes & Time to Get Focused

No doubt you've seen headlines reporting that a particular stock index is up or down. But do you know what an index is, and how understanding the nuts and bolts of a specific index may be helpful to you? ... Read More...

Six Potential 401(k) Rollover Pitfalls

You're about to receive a distribution from your 401(k) plan, and you're considering a rollover to a traditional IRA. While these transactions are normally straightforward and trouble free, there are some pitfalls you'll want to avoid. ... Read More...

Rates on the Rise: Strategies for Fixed-Income Investors

A long period of low yields has been challenging for many fixed-income investors, but owning bond investments in a rising interest-rate environment could become even trickier. ... Read More...

Changes to Social Security Claiming Strategies & Filing Your 2015 Federal Income Tax Return

The Bipartisan Budget Act of 2015 included a section titled “Closure of Unintended Loopholes” that ends two Social Security claiming strategies that have become increasingly popular over the last several years. ... Read More...

Estate Planning Strategies & Your Insurance Coverage

The federal government requires the use of certain published interest rates to value various items used in estate planning, such as an income, annuity, or remainder interest in a trust. ... Read More...

Periodic Review of Your Estate Plan

An estate plan is a map that explains how you want your personal and financial affairs to be handled in the event of your incapacity or death. It allows you to control what happens to your property if you die or become incapacitated. An estate plan should be reviewed periodically. ... Read More...

Dont Forget About Year-End Investment Planning

As the year draws to a close, there might be a slew of tasks on your to-do list. One task to consider is setting up a meeting with your financial professional to review your investments. ... Read More...

2015 Year-End Tax Planning BasicsS

As the end of the 2015 tax year approaches, set aside some time to evaluate your situation and consider potential opportunities. Effective year-end planning depends on a good understanding of both your current circumstances and how those circumstances might change next year. ... Read More...

Taxes, Retirement, and Timing Social Security.

The advantages of tax deferral are often emphasized when it comes to saving for retirement. So it might seem like a good idea to hold off on taking taxable distributions from retirement plans for as long as possible. ... Read More...

Financial Mistakes People Make at Different Ages

There's a saying that with age comes wisdom, but this may not always be true in the financial world. As people move through different life stages, there are new opportunities--and potential pitfalls--around every corner. ... Read More...

July 2015 - What’s New in the Housing Market for 2015?

Home buyers and sellers finally have reason to celebrate in 2015. After almost a decade of limping along toward recovery, it seems as though the housing market has finally hit a more comfortable stride. ... Read More...

June 2015 - It’s Complicated: Money and Happiness

Does more wealth lead to more happiness? Researchers have tackled this question for decades, and although the results have differed, one fact is certain: The relationship between money and happiness – or “well-being,” as many researchers put it – is complicated. ... Read More...

May 2015 - How Does Divorce Affect Social Security Retirement Benefits?

One of the challenges of planning for retirement is that an unexpected event, like divorce, can dramatically change your retirement income needs... ... Read More...

April 2015 - When Your Child Asks for a Loan, Should You Say Yes?

You raised them, helped get them through school, and now your children are on their own. Or are they?... ... Read More...

March 2015 - Estate Planning for a Second Marriage

They say that love is lovelier the second time around. But for many individuals, remarriage later in life can create some unique estate planning issues... ... Read More...

Febuary 2015 - 10 Finincial Terms Everyone Should Know

Understanding financial matters can be difficult if you don’t understand the jargon. Becoming familiar with these 10 financial terms may help make things clearer. ... Read More...

January 2015 - No Matter What Your Age, Your Social Security Statement Matters

Fifteen years ago, the Social Security Administration (SSA) launched the Social Security Statement, a tool to help Americans understand the features and benefits that Social Security offers. Since then, millions of Americans have reviewed their personalized statement... ... Read More...

December 2014 - Tips for Stress-Free Travel This Holiday Season

It’s that time of year again--the dreaded holiday travel season. And while overcrowded airports, train stations, and roads, combined with the possibility of inclement weather, can be a recipe for disaster, there are some steps you can take to make traveling this holiday season a bit easier. ... Read More...

November 2014 - Investor, Know Thyself: How Your Biases Can Affect Investment Decisions

Traditional economic models are based on a simple premise: people make rational financial decisions that are designed to maximize their economic benefits. In reality, however, most humans don’t make decisions based on a sterile analysis of the pros and cons. ... Read More...

October 2014 - What factors could negatively impact my credit report?

Having a good credit report is important when it comes to personal finance, because most lenders use credit reports to evaluate the creditworthiness of a potential borrower. ... Read More...

September 2014 - 10 Basic Tax To-Dos for the Rest of 2014

Here are 10 things to consider as you weigh potential tax moves between now and the end of the year. ... Read More...

August 2014 - Retirement Myths and Realities

We all have some preconceived notions about what retirement will be like. But how do those notions compare with the reality of retirement? ... Read More...

July 2014 - Can You Make Some Green by Investing Green?

The release in April of the long-awaited report from the United Nations’ Intergovernmental Panel on Climate Change has spurred renewed discussion of ways to combat climate change and its effects. ... Read More...

June 2014 - Personal Finance Tips for New Graduates

You’ve marched along to Pomp and Circumstance and collected your diploma--now you’re ready to finally head out on your own. ... Read More...

May 2014 - Saving for the Future: Start Now or Start Later?

There are many ways to try to reach a future goal. There is an advantage to putting your savings and earnings to work for you as early as possible. ... Read More...

April 2014 - Saving through Your Retirement Plan at Work? Don’t Let These Five Risks Derail Your Progress

As a participant in your work-sponsored retirement savings plan, you’ve made a very important commitment to yourself and your family ... Read More...

March 2014 - Keeping Your Current Health Insurance May Cost You Benefits

Beginning January 1, 2014, the health insurance mandate provision of the Patient Protection and Affordable Care Act (ACA) ... Read More...

Febuary 2014 - Filing Your 2013 Federal Income Tax Return

For most people, the due date for filing a 2013 federal income tax return is April 15, 2014. Here are a few things to keep in mind this filing season ... Read More...

January 2014 - Bonds vs. Bond Funds: Which Is Better When Interest Rates Rise?

The Federal Reserve has said it expects to begin raising its target rate sometime in 2014. Since bond prices fall when interest rates rise ... Read More...

December 2013 - Entering the New Year

Includes the articles, 'What’s in Store for Health-Care Reform in 2014' and 'It’s December 31. Do You Know Where Your Money Is?' ... Read More...

November 2013 - Buckets of Money: A Retirement Income Strategy

Some retirees are able to live solely on the earnings that their investment portfolios produce, but most also have to figure out how to draw down their principal over time. ... Read More...

October 2013 - It’s Time to Review Your Life Insurance Needs

Income tax basis can be important when deciding whether to make gifts now or transfer property at your death. This is because the income tax basis of the person receiving the property depends on whether the transfer is by gift or at death. ... Read More...

September 2013 - It’s Time to Review Your Life Insurance Needs

Your life insurance needs may change without you even realizing it. You may have purchased life insurance years ago, and never gave it a second thought ... Read More...

August 2013 - When Is Market Volatility Most Dangerous?

Though a market downturn generally isn’t fun for most people, its timing can have a greater impact on some investors than on others ... Read More...

July 2013 - Portability of Applicable Exclusion Amount Between Spouses

Transfers of property during life or at death are generally subject to federal gift or estate taxes. However, each taxpayer has an amount of property that can be sheltered from federal gift and estate taxes ... Read More...

June 2013 - Coordinating Social Security Benefits with Other Retirement Assets

Social Security provides retirement income you can’t outlive. And, in addition to your own benefit, your spouse may be eligible to receive benefits based on your earnings record in the form of spousal benefits and survivor’s benefits. ... Read More...

May 2013 - Four Retirement Saving Myths

No matter how many years you are from retirement, it’s essential to have some kind of game plan in place for financing it. With today’s longer life expectancies, retirement can last 25 years or more, and counting on Social Security or a company pension to cover all your retirement income ... Read More...

April 2013 - Understanding the New Medicare Tax on Unearned Income

Health-care reform legislation enacted in 2010 included a new 3.8% Medicare tax on the unearned income of certain high-income individuals. The new tax, known as the unearned income Medicare contribution tax, or the net investment income tax (NIIT), took effect on January 1, 2013. ... Read More...

March 2013 - Why A GRAT Can Be GREAT

If you have property that’s rapidly appreciating or generating high earnings, and you’re ready to pass it down to your children or other heirs but want to continue receiving income from the property for a period of years, a GRAT, which stands for grantor retained annuity trust, may be a great strategy for you. ... Read More...

February 2013 - Questions And Answers About Social Security

Whether you’re close to retirement or years away from receiving Social Security benefits, you may not know much about the intricacies of this important program. Here are some questions and answers that can help you learn more. ... Read More...

January 2013 - Are Municipal Bonds Still A Good Investment?

That may depend on your situation. Bond prices generally have benefitted greatly over the last few years from low interest rates, and munis have been no exception. Also, income from munis is generally exempt from federal income taxes ... Read More...

December 2012 - Healthy Personal Finance Resolutions for the New Year & Government Benefits for Returning Service Members

The new year is the time when many individuals start making resolutions to live a healthier lifestyle. And while resolving to eat better and exercise more is a good thing, you should be sure to make resolutions that pertain to the overall health of your personal finances as well. ... Read More...

November 2012 - On the Precipice: The "Fiscal Cliff"

The phrase fiscal cliff has been used to describe the unique combination of financial realities scheduled to take effect in 2013: expiring tax breaks; the imposition of new taxes on high-income individuals; and automatic deficit-reduction spending cuts. ... Read More...

October 2012 - Year-End Investment Planning and the Fiscal Cliffhanger

Investment planning at the end of 2012 revisits issues that have complicated the planning process for the last two years — tax cut extensions and spending cuts designed to reduce the U.S. budget deficit. ... Read More...

September 2012 - Breaking Down the Taxpaying Population

Every quarter, the Statistics of Income Division of the Internal Revenue Service (IRS) publishes financial statistics obtained from tax and information returns that have been filed with the federal government. ... Read More...

August 2012 - Speculating on the Future of the Federal Estate Tax

What’s the future of the federal estate tax? All we know is that no one knows for sure; it’s all speculation. So, let’s take a look at what could happen. There are five possibilities: (1) Congress could extend current tax law (commonly referred to as the “Bush tax cuts”) ... Read More...

July 2012 - Mid-Year Reality Check

Imagine playing a complicated game, but the rules of the game are changing, and the new rules have yet to be announced. That’s what income tax planning is like this year. In fact, if there was ever a year to spend some quality time with your financial professional, this is it. Here are a few items to discuss. ... Read More...

June 2012 - Market-Moving Indicators for Monitoring Europe

If you’ve struggled to make sense of the ongoing European debt debacle, you’re not alone. It’s difficult even to keep track of all the pieces of this financial Rube Goldberg puzzle, let alone understand how they can influence one another. ... Read More...

May 2012 - Why Women Need Social Security

Did you know that the first person ever to receive ongoing Social Security benefits was a woman? Ever since Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide much-needed retirement income. Social Security provides other important benefits too, including disability and survivor's benefits, that can help women of all ages and their family members. ... Read More...

April 2012 - Asset Protection Strategies Beyond Insurance

You’ve worked hard to accumulate your assets and property; that’s why it’s so important to take measures to protect your wealth. Often, the simplest way to protect assets is by shifting the risk to an insurance company. But insurance may not provide all the protection you need or it might not be available, so you may need to consider other strategies. ... Read More...

March 2012 - Election Year Tax Talk

This year's election chatter is sure to include a healthy dose of tax talk. To keep up, here are five terms you should know. ... Read More...

February 2012 - 2011 Tax Season Considerations

You don’t want to pay more in taxes than you have to. That means taking advantage of every deduction and credit that you’re en- titled to, and recognizing potential oppor- tunities to save. It also means staying on top of deadlines, and avoiding mistakes that could prove costly down the road. So, here are some things to keep in mind this filing season. ... Read More...

January 2012 - Making Financial Resolutions? Look Back at Last Year

Each new year brings the chance for a fresh start, and the opportunity to improve your financial picture. As you make financial resolutions for 2012, looking back at what happened last year can help you make some positive changes this year. ... Read More...

December 2011 - The Problem with DIY Estate Planning

As the number of Internet websites and software packages have quickly multiplied, along with the many books and stationery store kits that have always been available, do-it-yourself (DIY) estate planning is on the rise. ... Read More...

November 2011 - Why Does Europe Affect Your Portfolio?

When a possible default on Greek sovereign debt becomes headline news, a lot of people find themselves wondering, "How can the problems of a country so small and so far away create such turmoil in the world's financial markets?" ... Read More...

October 2011 - The Debt Ceiling and the Road Ahead

The Budget Control Act of 2011 left all sides with plenty to argue about for the rest of the year. In addition to gradually increasing the debt ceiling, it's intended to bring down the federal budget deficit by an estimated $2.1 trillion over the next 10 years ... Read More...

July 2011 - Tax Advantages of Homeownership

Although tax considerations probably aren't the motivating force behind most home purchases, the tax advantages associated with homeownership are significant enough that they may factor into the decision process. Here's a quick review of federal tax benefits available ... Read More...

June 2011 - Life Insurance Policy Loans: Tax and Other Implications

As the owner of a life insurance policy, you can generally borrow the policy's cash surrender value and use the proceeds for any purpose. Before you take a policy loan, be sure you understand the implications of the loan ... Read More...

May 2011 - Inflation or Deflation: Watching for Warning Signs

There's been much debate in investing circles over the last year about whether inflation or deflation represents a more likely threat to the future of the U.S. economy. With a recovery that's still tentative compared to previous recessions, measures ... Read More...

April 2011 - Rising Interest Rates: The Downside of Economic Recovery

Over the last several years, investors have grown accustomed to historically low interest rates. Ever since the Federal Reserve Board's target fed funds rate--the rate at which banks lend to one another--hit a high above 19% ... Read More...

December 2010 - Paying for Long-Term Care During Retirement

You may have spent a good part of your working years planning for a financially secure retirement. But many issues can arise during retirement that can impact your financial health as well as your quality of life. For instance, the cost of medical expenses ... Read More...

October 2010 - Year-End Investment Planning Is More Challenging in 2010

If you don't normally review your investments at the end of each year, 2010 might be a good time to start. And if year-end investment planning is already part of your routine, you might want to pay special attention this year. Why?... Read More...

September 2010 - In-Service Withdrawals from 401(k) Plans

You're probably familiar with the rules for putting money into a 401(k) plan. But are you familiar with the rules for taking your money out? All 401(k) are not the same... Read More...

August 2010 - Avoiding Probate: Is It Worth It?

When you die, your estate goes through a process that manages, settles, and distributes your property according to the terms of your will. This process is governed by state law and is called probate... Read More...

July 2010 - Will You See Higher Tax Rates in 2011?

The year was 2001. The top marginal federal income tax bracket was 39.6%, and the tax rate that applied to most long-term capital gains was 20%. Then the Economic Growth and Tax Relief Reconciliation Act of 2001 arrived... Read More...

June 2010 - What You Should Know About Inherited IRAs

The rules governing inherited IRAs can be complicated. This article covers the major issues... Read More...

May 2010 - Tax Benefits of Conservation Easements

A conservation easement (also called a conservation covenant or restriction) is an encumbrance on privately held real estate that prohibits the development of that property in perpetuity. Read More...

Due to technical problems, no April newsletter was distributed.

March 2010 - Ten Financial Terms Everyone Should Know

Understanding financial matters can be difficult because of the jargon used. Becoming familiar with these ten financial terms may help make your financial picture clearer.Read More...

Articles


PDF icon

October 17, The Lakeland Ledger,
Health Insurance Today

Check the background of this firm on FINRA's BrokerCheck.

Securities offered through Centaurus Financial, Inc., member FINRA and SIPC. Advisory services offered through Ingram Advisory Services, LLC, a Registered Investment Advisor. Centaurus Financial, Inc., Ingram Financial Group, Inc. and Ingram Advisory Services, LLC are not affiliated companies.