Insights + Resources
Epic Insights
Cash Balance Plans
May 27, 2020
In corporate America, pension plans are fading away. Only 16% of Fortune 500 companies offered them to full-time employees in 2018, according to Willis Towers Watson research. In contrast, legal, medical, accounting, and engineering firms are keeping the spirit of the traditional pension plan alive by adopting cash balance plans.1 (more…)
Tags: Financial Help, Personal Finance, retirement, Retirement Planning
The Gift Tax
May 25, 2020
I’d like for you to meet my friend, Hugh. He’s a retired film stuntman who, after a long career, is enjoying his retirement. Some of what he’s enjoying about his retirement is sharing part of his accumulated wealth with his family, specifically his wife and two sons. Like many Americans, Hugh likes to make sure that, when he’s sharing that wealth, he isn’t giving the I.R.S. any overtime because he knows about the gift tax. (more…)
Tags: Financial Planning, Personal Finance, Tax Planning, taxes
Better Times Are Coming
May 22, 2020
“Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald
The economic struggles in our country are among the worst we’ve ever seen. In April, a record 20 million people lost their jobs, and 36 million people have filed for unemployment since the COVID-19 pandemic struck in mid-March. Record drops in consumer confidence, manufacturing, and spending are all adding to the immediate economic fallout. Specific industries have been devastated, with names like J.C. Penney, J.Crew, and Neiman Marcus filing for bankruptcy. (more…)
Tags: Current Events, Financial Help
Backdoor Roth IRA
May 20, 2020
You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a backdoor Roth IRA grow tax free as long as the owner abides by the Internal Revenue Service (I.R.S.) rules, and withdrawals are federally tax free once you reach age 59½ and have held the Roth IRA for at least five years.1 (more…)
Tags: financial advisor, Investing, retirement, Retirement Planning, Tax Planning
Coping With An Inheritance
May 18, 2020
Inheriting wealth can be a burden and a blessing. Even if you have an inclination that a family member may remember you in their last will and testament, there are many facets to the process of inheritance that you may not have considered. Here are some things you may want to keep in mind if it comes to pass. (more…)
Tags: financial advisor, Legacy, Personal Finance
Protecting Yourself While Shopping Online
May 15, 2020
We’re all at home now and shopping online has become commonplace. Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online. (more…)
Tags: charlotte NC, Current Events, Financial Help, Personal Finance
Federal Student Loan Relief
May 13, 2020
Are you or someone you know currently making federal student loan payments? In light of the COVID-19 pandemic, some welcome relief may be on the way. (more…)
Tags: Current Events, Financial Help, Personal Finance
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Resources
Epic Insights – Spring 2020
CARES Act – Key Components
Epic Capital Impact – Winter 2020
Epic Capital Insights – Winter 2020
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