Modera financial advisers enjoy sharing their experience and counsel in many ways. Here we provide a regularly updated list of articles on a variety of topics we hope will be of interest to you.
Modera’s Laurie Burkhardt shares her thoughts on health insurance post retirement
As the world goes increasingly digital, many of us have amassed sometimes large collections of non-physical assets such as digital photos, music, movies, eBooks, cryptocurrencies and more on our computers, smartphones, portable media players, hard drives and other devices. Although they are in an electronic format, these assets often have personal or financial value, which can make them part of your estate. And that means they should be included in your estate planning.
If company stock is offered to you through a 401(k) or other workplace retirement plan, it can be a great opportunity for you to have a stake in the business. Plus, if you accumulate employer stock within a qualified employer retirement plan over many years, that stock may appreciate considerably. However, when the time comes to take distributions out of the account, perhaps because you’re retiring or switching jobs, there are important tax implications to consider.
Perhaps your cousin’s best friend is an insurance agent who provides financial planning. Or maybe your neighbor’s brother-in-law was bending your ear at a recent barbeque about how annuities are key to an effective financial plan. So, you may be wondering, what exactly is a “financial plan”? And when different people use that term, are they all describing the same thing?
If you or a loved one has disabilities or special needs, you know that the costs related to care can be substantial. The good news is, you may be able to reduce these costs by maximizing the tax strategies available to you.
A month, a year, even 10 or 20 years are short periods of time in the entire scheme of things. Just as the Grand Canyon wasn’t created in a day, neither can a successful investment strategy be measured in the returns of one week, six months or even three years.
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