Economic Update 11/16/15

By Robert Pagliarini on November 17, 2015

RETAIL PURCHASES UP JUST 0.1% IN OCTOBER The tiny increase was actually an improvement, as retail sales were flat in both August and September. Gas station sales tailed off 0.9% in October, car sales 0.5%; offsetting those declines, online retail purchases were up 1.4% last month, spending at restaurants and bars up 0.5%. The Commerce…

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What is Key Person Insurance?

By Robert Pagliarini on November 13, 2015

Who are the people most crucial to your business? Have you taken steps to insure them? At every company, there are certain people whose absence would cause day-to-day operations to grind to a halt. If they die or become disabled, the future of the company may be jeopardized. Key person insurance is designed to help…

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Social Security Strategies: Getting the Most Bang for Your Buck

By Robert Pagliarini on November 12, 2015

(This a guest post submitted by the CFP Board) Washington, D.C., November 12, 2015 – For many Americans, retirement is something to look forward to – a time to celebrate years of hard work, enjoy family and friends, and embark on new adventures. But filing for government retirement benefits can be daunting, and new Social…

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Is a Charitable Lead Trust Right for You?

By Robert Pagliarini on

Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating a charitable lead trust. A charitable lead trust is the inverse of a charitable remainder trust. While a CRT is structured to provide income to the trust beneficiaries and an eventual charitable donation, a CLT…

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The Differences Between a Transfer on Death Account & a Living Trust

By Robert Pagliarini on

How do you keep assets out of probate? If that estate planning question is on your mind, you should know that there are two basic ways to accomplish that objective. One, you could create a revocable living trust. You can serve as its trustee, and you can fund it by retitling certain accounts and assets…

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So What is Comprehensive Financial Planning?

By Robert Pagliarini on November 10, 2015

Just what is “comprehensive financial planning?” As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind of approach? While the phrase may seem ambiguous to some,…

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How To Improve Your Credit Score

By Robert Pagliarini on October 31, 2015

We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it? Reduce your credit utilization ratio (CUR). CUR is credit industry jargon, an arcane way of referring to how much…

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Retirement Plan Contribution Limits for 2016

By Robert Pagliarini on October 29, 2015

Over the past 12 months, consumer prices have increased very little. The latest Consumer Price Index (September) shows 0.0% yearly inflation and only 1.9% core yearly inflation. That means no cost-of-living adjustment for Social Security, and very few IRS adjustments to retirement plan contribution limits. Roth IRA & traditional IRA contribution limits stay the same…

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Your Financial To Do Checklist for the New Year

By Robert Pagliarini on October 27, 2015

What financial, business or life priorities do you need to address for 2016? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives. Some year-end financial moves may help you pursue those goals as well. What can you do to lower your 2016 taxes? Before…

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