Month: July 2020

The I.R.S. Has Enhanced the 2020 RMD Waivers

Jul 29, 2020

Required Minimum Distributions
Investors may be eligible to “undo” certain retirement account withdrawals before September.

In March, the Coronavirus Aid, Relief, and Economic Security (CARES) Act became law. It was designed to help Americans impacted by the COVID-19 pandemic.1

The new law offered investors a financial break. It gave people the option to skip required minimum distributions (RMDs) from traditional Individual Retirement Accounts (IRAs) and 401(k)-style plans in 2020. (Original owners of Roth IRAs never have to take RMDs from those accounts.)2,3 (more…)

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30 Year Home Loans Fall to Historic Lows

Jul 27, 2020

Mortgage Interest Rates
Investors and homebuyers take note

Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for 30-year home loans have fallen to 2.98%. In addition, the average interest rate for a 15-year home loan had declined to 2.48%.1,2,3 (more…)

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Little Known Homeowners Insurance Facts

Jul 24, 2020

Home Insurance Documents
You may be surprised to learn what is and is not covered

If you have a homeowners insurance policy, you should be aware of what this insurance does and does not cover. These policies have their limitations as well as underrecognized perks. (more…)

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What is Earnings Season

Jul 22, 2020

Earnings Season Stock Quotes
Financial results are reported each quarter

Every few months, you may hear the phrase “we’re entering earnings season” as you read financial news.

But what exactly is “earnings season” and why is it important to Wall Street? (more…)

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What is Reg BI?

Jul 20, 2020

Regulation Best Interest Sign
A Look at Regulation Best Interest

Recently, you may have heard that financial industry regulators established a new set of rules designed to guide investors who work with an investment professional. This new set of rules is called “Regulation Best Interest” rule, known colloquially as “Reg BI.” 1 (more…)

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2020 Mid-Year Outlook

Jul 16, 2020

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Whats Driving Current Market Behavior?

Jul 15, 2020

Want to know what economic conditions look like 6-9 months from now? Current stock market behavior may tell us.

In the era of COVID-19, and the financial woes it has created, I often get asked, “Why is the stock market holding up so well when the economy appears to be struggling?” (more…)

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Epic Impact – Summer 2020

Jul 15, 2020

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Epic Insights – Summer 2020

Jul 14, 2020

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CARES Act: Will There Be a Phase 4?

Jul 10, 2020

CARES
Phase 4: What you need to know if it comes.

With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act. (more…)

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More Insights

Dec 1, 2021

Getting rich quick can be liberating, but it can also be frustrating. A sudden wealth windfall can help you address retirement saving or college funding anxieties, and it may also allow you to live and work on your terms. On the other hand, you’ll pay more taxes, attract more attention, and maybe even contend with … Continue reading “When a Windfall Comes Your Way”

Nov 29, 2021

  You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay more than $250,000 in healthcare costs during the rest of their lives. In fact, Fidelity Investments now projects this cost at $285,000. The effort to prepare for these potential expenses is changing the … Continue reading “Healthcare Costs are Cutting into Retirement Preparations”

Nov 24, 2021

Preparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.

Nov 22, 2021

Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle, it becomes even more difficult to follow along. Enter the Fed’s decision for tapering bond purchases.

Nov 19, 2021

The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and well. As the leaves turn colors and begin to fall to the ground, there are many reasons to be thankful.

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