Modera Wealth Management
Modera Wealth Management

Brian Schiess

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Financial Planning Through a Client’s Life Stages

Are you protecting your financial future from its most significant risks? Are you investing your savings in a manner that is in line with your financial goals? Are taxes consuming more of your income than they should? For years, we have used an age-based financial map to help guide our clients towards their financial goals. We figure it is about time that we share the wealth (pun entirely intended).

2022-08-01T20:59:57+00:00Good to Know|

Summer Party Time: Are You Protected?

Welcome to summer, when warmer weather ushers in all kinds of fun events — pool parties, barbeques, boating, and of course the more formal gatherings like birthday parties and weddings. After a period of pandemic precautions, we are all eager to enjoy the company of friends and family without restrictions. But before you party like it is 2019 again, you may want to take one more precaution: evaluate your personal liability exposure.

2022-07-06T19:50:45+00:00Good to Know|

A Guide to 401(k) Plans for Small Business Owners

As many of our clients grow their businesses, we have helped them replace their existing company retirement plans with 401(k) plans.  In general, 401(k) plans can provide more options and flexibility than other types of retirement plans.  Here, we will explore some of the key attributes of 401(k) plans and the potential benefits they can provide on both a personal level and in various aspects of managing your business.

2022-02-01T20:23:04+00:00Business Owners, Good to Know|

Spousal IRAs: A Quick Guide

A “spousal” Individual Retirement Account (IRA) allows a spouse with little or no compensation from employment to open a separate IRA and complete contributions based on the other spouse’s income. I’ve put together this quick guide to help you evaluate whether a spousal IRA might be beneficial for you.

2021-08-31T20:54:44+00:00Good to Know, Retirement|

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

2022-02-15T19:49:05+00:00Good to Know|

New Year, New Retirement Plan Contribution Limits

Good news. Once again the IRS has increased the employee contribution limit for 401(k) and other retirement plans in 2020. The contribution limit has been increased from $19,000 in 2019 to $19,500 in 2020 for employees participating in the following types of employer-sponsored retirement plans:

2020-10-09T20:54:30+00:00Good to Know, Retirement|

Does the SECURE Act Affect Me?

The new Setting Every Community Up for Retirement Enhancement (SECURE) Act was passed by Congress and signed into law by President Trump in December 2019. The law will take effect on January 1, 2020.

2020-05-28T21:18:01+00:00Good to Know|
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