Steps to Help Protect Your Credit from Identity Theft
This step by step guide offers options for credit monitoring, credit freezes, and fraud alert to help protect your credit from identity theft.
CCRCs: Another Way to Age in Place
When married couple Mara, age 67 and Lou, age 70, started thinking about the next phase of their lives they knew change was in their future. After raising three children and taking care of a large home for many years, they were ready to move to a community where the property would be maintained for them. They realized that living independently for the rest of their lives, while appealing in theory, might not be realistic.
Getting Ready for Maternity and Paternity Leave
For working parents-to-be, planning for your baby’s arrival means far more than picking out furniture, packing a bag, and having the doctor’s number memorized. There are also a number of work and financial issues to consider. Whether your maternity/paternity leave is for a few weeks or several months, this checklist will help streamline the transition from workplace to home and back again.
Making the Right Moves Your First Thirty Days after a Layoff
The first thirty days after a layoff are crucial to get back on track and put your motor in gear. Your first action steps must be goal identification, needs analysis, financial planning, and investment analysis. These steps could pay significant personal and financial dividends.
A Reminder on Satisfying Your Quarterly Estimated Tax Payment Obligations
It’s not uncommon for individuals to continue to work, perhaps in a different capacity or on a part-time basis, after they have retired from their full-time job. Many of our clients enjoy using their years of experience and knowledge to maintain an income stream and keep busy. But for those who used to benefit from the convenience of their employer’s payroll management, the estimated tax requirements of self-employment can come as a surprise.
2019 Q2 Investment Perspectives
Investment performance in both U.S. stock and bond markets has been strong year-to-date and while some investors are concerned about a sell-off, others are worried: worried about a possible recession, worried about interest rates, uncertain about growth. They’re also worried about missing out on the next big thing, worried about “beating the markets” and perhaps not worrying enough about the risks of their investments.
Special Needs Trusts for Gifting and Inheritance
If you have a minor or adult child with special needs, financial concerns are likely top of mind. Often, family members or close friends want to help you by gifting to your child or leaving an inheritance to them. Though this generosity may be appreciated, there can be unintended side effects of gifting outright to someone who has special needs.
CNBC: 401(k) balances skyrocket in the decade since the market bottom
Modera’s Michael Gibney shares his thoughts on how to make the most of a 401(k).
Wall Street Journal: How Much Cash Should You Hold in Retirement?
Modera's Laurie Burkhardt provides perspectives on cash reserves considerations.
CNBC: More financial advisors are turning to insurance products to boost fixed income for clients
Modera's Mindy Cleaveland discusses strategies to generate income for retirement and how insurance may be worth considering to fill an income gap.