Rental Car Insurance
Jun 5, 2023
The rental car you’re driving while on vacation or a business trip is nice–you almost wish you could take it home with you. But what happens if you have an accident while you’re renting it? When you do go home, the last thing you want to take back with you is the liability associated with a car you don’t even own.Tags: Certified Financial Planner Charlotte NC, Current Events, Insurance, Personal Finance
Asset Protection in Estate Planning
May 31, 2023
You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card issuers, business creditors, and creditors of others.
To insulate your property from such claims, you’ll have to evaluate each tool in terms of your own situation. You may decide that insurance and a Declaration of Homestead may be sufficient protection for your home because your exposure to a claim is low. For high exposure, you may want to create a business entity or an offshore trust to shield your assets. Remember, no asset protection tool is guaranteed to work, and you may have to adjust your asset protection strategies as your situation or the laws change.
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Estate Planning, Family Wealth, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Personal Finance
Vacation Home Insurance
May 24, 2023
Vacation homes require a special type of insurance–one that protects your vacation home but doesn’t overlap with your already existing homeowners insurance coverage. Here are some things to consider when insuring your vacation home.Tags: Certified Financial Planner Charlotte NC, Insurance, Investing, Personal Finance
Record Keeping for Your Own Business
May 22, 2023
Keeping good business records will not only help you stay in business but may also help you increase profits. Your business records let you analyze where your business is and where it’s going. They point out potential trouble spots and serve as a guide to where you want your business to be.Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Personal Finance, Tax Planning, taxes
Six Keys to Investing
May 15, 2023
A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.Tags: Certified Financial Planner Charlotte NC, Family Wealth, Investing, Investment Planning, Investment Portfolio, Investments
Understanding Social Security
May 12, 2023
Approximately 70 million people today receive some form of Social Security benefits, including retirement, disability, survivor, and family benefits.1 Although most people receiving Social Security are retired, you and your family members may be eligible for benefits at any age, depending on your circumstances.Tags: Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor charlotte nc
Estimating Your Retirement Income Needs
May 8, 2023
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.Tags: Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor charlotte nc, retirement, Retirement Planning, Retirement Tax Savings
Market Update: Investor Sentiment Tested
May 5, 2023
Spring is often thought of as an uplifting time, marked by growth and renewed hope as we emerge from the long months of winter and look ahead to the rest of year. Investors saw signs of such renewed hope in recent weeks, especially on the inflation front as several inflation measures showed signs of improvement. We also saw markets stabilize after the surprisingly fast collapse of Silicon Valley Bank. But although it initially appeared that a stable spring would set the markets up for a calm, quiet summer, a flurry of recent activity is testing investor sentiment. (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events
Charitable Giving
May 3, 2023
When developing your estate plan, you can do well by doing good. Leaving money to charity rewards you in many ways. It gives you a sense of personal satisfaction, and it can save you money in estate taxes.Tags: Certified Financial Planner Charlotte NC, Estate Planning, financial advisor charlotte nc, Wealth Building
Revisiting the 4% Rule
Apr 21, 2023
Saving for retirement is not easy, but using your retirement savings wisely can be just as challenging. How much of your savings can you withdraw each year? Withdraw too much and you run the risk of running out of money. Withdraw too little and you may miss out on a more comfortable retirement lifestyle.
Tags: Certified Financial Planner Charlotte NC, Investing, Personal Finance, Retirement Planning, Retirement Tax Savings, Wealth Building
More Insights
Jun 5, 2023
The rental car you’re driving while on vacation or a business trip is nice–you almost wish you could take it home with you. But what happens if you have an accident while you’re renting it? When you do go home, the last thing you want to take back with you is the liability associated with … Continue reading “Rental Car Insurance”
Jun 2, 2023
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
May 31, 2023
You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card issuers, business creditors, and creditors of others. To insulate your property … Continue reading “Asset Protection in Estate Planning”
May 26, 2023
It’s nice to own stocks, bonds, and other investments. Nice, that is, until it’s time to fill out your federal income tax return. At that point, you may be left scratching your head. Just how do you report your investments and how are they taxed?
May 24, 2023
Vacation homes require a special type of insurance–one that protects your vacation home but doesn’t overlap with your already existing homeowners insurance coverage. Here are some things to consider when insuring your vacation home.
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