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.
Drilling Down: Financial Considerations for Dentists
As financial advisers to many medical professionals, Modera has found that, when it comes to their finances, dentists have very specific needs. Here we address the three typical financial stages of a dental career and explain how a relationship with a Modera adviser can help to secure your financial wellbeing.
Qualified Charitable Distributions and the SECURE Act
What are Qualified Charitable Distributions? Distributions from IRAs are generally taxable at ordinary income rates. As a result, certain taxpayers are often faced with larger-than-expected tax bills once their Required Minimum Distributions (RMDs) kick in, leaving them with little control over their taxable income and marginal tax brackets
Oil: Where Can I Get My Free Gas?
These are certainly unprecedented times: a global pandemic, skyrocketing unemployment here at home, and recently…negative oil prices? Just saying the words “negative oil prices” defies logic. So, what’s going on with oil? For the first time in history, West Texas Intermediate (WTI) oil prices dropped below $0/barrel on April 20th, 2020. In fact, the oil price crashed that afternoon to nearly minus $40/barrel.
U.S.News: 401(k) Mistakes Job Hoppers Make
Tom Orecchio, CEO, Principal & Wealth Manager at Modera was quoted in this U.S. News article about some common 401(k) mistakes when switching employers.
COVID 19 Planning Topic – School Refunds and Student Loan Relief
With so much information being shared at this time, we wanted to make sure you did not miss two very important issues related to educational funding that apply to anyone who 1) paid tuition for the spring 2020 semester out of a 529 account or 2) has student loan debt. Feel free to forward this to others in your life whom it may apply to.
The ‘Three R’ Approach to Managing Financial Stress
If you are feeling stressed about your finances lately, you’re not alone. According to a recent study by the National Endowment for Financial Education, nearly 9 out of 10 participants reported that that they were feeling more financial stress as a result of COVID-19.
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