IN THE NEWS
Monthly Newsletter Articles
VIA Bankrate
Permanent life insurance can do more than pay a death benefit. Some policies let you build a tax-advantaged cash reserve to tap into later in life. How does that work, and what are the tradeoffs?
Via Clark
Turning 18 comes with legal responsibility and some paperwork that most people don’t think about until it’s too late. Learn which documents protect your choices in a medical emergency or legal bind.
VIA Bankrate
Investor activity is rising just as traditional buyers are backing out—a trend that’s reshaping the market in real time. Are these investors hurting buyers or keeping the housing market afloat?
Via Due
Trusts are powerful tools for protecting your legacy, but only if they’re built—and maintained—the right way. Here are five common mistakes that can quietly erode everything you set out to protect.
JANAURY 2025
VIA Bankrate
More Americans are feeling optimistic about their finances in 2025 as inflation fears subside and the economy shows signs of stability. But could this newfound optimism be misplaced, or are we truly turning a corner?
VIA Investopedia
From higher contribution limits to quicker eligibility for part-time workers, 401(k) plans are going to be seeing significant changes in 2025. Here's how you can make the most of these updates.
VIA Bankrate
Understanding how the Fed's actions affect borrowing costs, savings rates, your job security can empower you to make informed financial choices. Here are six key ways the Fed impacts your money and how to navigate.
VIA Entrepreneur
From a business-friendly political environment to rising consumer confidence, the landscape for entrepreneurs has never looked better. What opportunities could these changes unlock for you?
MAY 2024
VIA Kiplinger
Thinking about estate planning? Here’s why revocable trusts are favored for their flexibility and tax benefits and how they compare to irrevocable trusts.
VIA Entrepreneur
The average retiree spends over $52,000 per year, but the median income is only $47,620! What does this mean for how comfortable you’ll be in retirement?
VIA Bankrate
A 401(k) loan might feel like “free money,” but it could cost you big in the long run. Discover the hidden drawbacks and why exhausting other options first is crucial.
VIA Motley Fool
Navigating the complexities of Roth IRAs can be crucial for your financial future. Here are some income restrictions, the five-year rule, and tax-free withdrawal conditions.
VIA Kiplinger
Decades of economic shifts have quietly eroded the foundation of Social Security. Will future retirees have to rely more on savings, work longer, or accept drastically reduced benefits?
JUNE 2024
VIA Yahoo! Finance
Financial stability may be closer than it appears, especially if you’re not living paycheck to paycheck or carrying credit card debt. Here are signs that you’re financially healthier than you might think.
VIA Yahoo! Finance
As inflation concerns persist, US consumers’ confidence in the economy continues to wane, says a consumer sentiment survey. Here’s how rising inflation expectations are shaping perceptions.
VIA Bankrate
IRA rules can be complex, but knowing the right withdrawal times can save you from costly penalties.
Here are the critical dates and strategies.
Here are the critical dates and strategies.
VIA CNN
Rising costs and insufficient retirement savings are pushing more Americans to extend their working years beyond the traditional retirement age. Here’s how economic pressures and evolving job markets affect older workers.
JULY 2025
VIA CNBC
While finances dominate retirement planning discussions, a Harvard clinical professor highlights a critical but often overlooked element: social relationships. Forging strong connections could be the key to a happier, longer life.
VIA Kiplinger
Significant changes to Roth 401(k) rules from the SECURE 2.0 Act include eliminating required minimum distributions, which allows your retirement funds to grow tax-free for longer. Will this change how you plan for retirement?
VIA Kiplinger
Effective tax planning requires more than just knowledge of current laws.
Explore how tailored strategies and early planning can lead to significant tax savings for high-income earners and their families.
Explore how tailored strategies and early planning can lead to significant tax savings for high-income earners and their families.
VIA CNBC
Despite a slight softening in some metropolitan areas, overall U.S. home prices are expected to hit new highs this summer.
What does this mean for buyers hoping for a cooldown?
What does this mean for buyers hoping for a cooldown?
VIA CBS News
Assumable mortgages offer a unique advantage by potentially allowing homebuyers to inherit a seller's lower interest Rate. This option could significantly reduce one's financial burden in a high-rate environment
AUGUST 2024
VIA CNN
As inflation eases, a new concern is rising—unemployment, signaling potential economic shifts. What could this mean for the Federal Reserve’s next moves?
VIA CNBC
Retirement planning isn't just about how much you save. It's also about how long you'll need those savings to last. Here’s why experts say understanding your life expectancy.
VIA CNBC
Are you still clinging to the traditional "defer, defer, defer" tax strategy? Here’s why a certified public accountant is now advocating for paying taxes at today's historically low rates.
VIA Entrepreneur
Entrepreneurs often overlook estate planning, risking significant hidden costs and liabilities. How can smart planning today protect your legacy and reduce estate taxes tomorrow?
VIA Yahoo! Finance
While Americans lament the rising costs of everyday goods, they may be overlooking a crucial factor: their own increasing wages. (They tend to attribute raises strictly to on-the-job performance or career progression.
VIA Kiplinger
Will your monthly Medicare premiums increase next year? It depends. You’ll want to check if your past income might subject you to IRMAA.
SEPTEMBER 2024
VIA Kiplinger
Reassessing your finances throughout the year is crucial for optimizing outcomes, but making tweaks in the second half of 2024 is particularly vital.
VIA Kiplinger
Transitions can be hard, stressful and costly. With a little preparation and the right team on your side, you can handle all the curve balls life throws.
VIA CNN
U.S. mortgage rates plummeted after weaker-than-expected employment data raised odds of the Federal Reserve cutting interest rates next month.
VIA CNBC
As the IRS finalizes rules on inherited IRAs, understanding the implications of your withdrawal strategy is going to be crucial.
VIA CNBC
A new Labor Department rule aimed at protecting retirement savers faces legal challenges. Could this jeopardize your retirement savings and leave you vulnerable to conflicted advice?
VIA Kiplinger
The capital gains tax could catch many homeowners by surprise as they find their profits upon selling exceeding their $500,000 exemption. Here’s how strategic planning can keep you under the exemption threshold.
OCTOBER 2024
VIA Kiplinger
President Biden's FY25 budget proposal includes a significant shift in taxing unrealized gains, focusing on the ultra-wealthy. Here’s what this could mean for the future of wealth.
VIA Kiplinger
Capital gains tax rates might be lower than the gift and estate tax rates, but how you handle your estate and whether you use a trust can make a big difference in taxes owed.
VIA Entrepreneur
Scaling a startup to a billion-dollar valuation is the dream of many entrepreneurs. Here are seven key insights to guide your journey to becoming the next unicorn.
VIA CNBC
Inheriting an IRA can be a financial windfall, but it could also trigger a "tax bomb." Are you aware of the potential tax implications and how to avoid them?
NOVEMBER 2024
VIA Entrepreneur
Juggling your priorities in business and personal finances can feel like a tightrope walk, but setting clear financial goals can bring much-needed balance.
VIA Kiplinger
Social Security adjustments for 2025 include a new wage cap and COLA increase. Learn what these updates mean for your taxes and benefits going forward.
VIA CNBC
The real estate market just got a shake-up! A recent settlement in a class-action lawsuit against the National Association of Realtors has changed the rules on agent commissions.
VIA CBS News
Planning ahead for your taxes can save you money down the road. But are you aware of the projected changes to tax brackets and standard deductions for 2025?
APRIL 2024
VIA Kiplinger
Want to avoid frustrating beneficiaries with lengthy probate delays? Learn how trusts can streamline the inheritance process.
VIA Kiplinger
It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable. What are they?
VIA Bankrate
If you’re looking at retirement accounts, you may come across the 403(b) and the 401(k) plans. Here’s how both plans work.
VIA Kiplinger
Splitting 401(k) assets in a divorce can lead to unintended tax consequences. However, there are ways to avoid financial penalties.
VIA Yahoo! Finance
Home prices are rising faster than incomes, and inventory is tight. It’s a good time to be a seller, but there are challenges for first-time buyers.
VIA US News
Discover the critical differences between Medigap (Medicare Supplement) and Medicare Advantage to determine which plan is right for you.
MARCH 2024
VIA CNBC
Retiring comfortably in the U.S. requires a hefty savings account, with the cost fluctuating vastly across states.
VIA Kiplinger
Tax deductions, tax credit amounts, and some tax laws have changed since you filed your last federal income tax return. They may affect your tax bill.
VIA US News
As mortgage rates slowly fall, more buyers and sellers will enter the market, but housing prices should stabilize.
VIA CNBC
Advanced planning can protect your legacy and make an emotional time significantly easier for some of your loved ones.
VIA NerdWaller
Medicare Supplement Insurance, or Medigap, is an optional add-on that can fill “gaps” in Medicare Part A and Part B. Do you need it?
VIA Entrepreneur
Embarking on the journey to personal wealth involves distinct phases, each with its unique goals. From covering basic expenses to securing one’s future, giving back, and planning for heirs, these are the five stages of personal wealth.
FEBRUARY 2024
VIA CNBC
A piece of legislation known as Secure 2.0 passed Congress in 2022 and brought with it a raft of changes to the rules surrounding Americans’ retirement savings.
VIA Kiplinger
Unlike many resolutions that require constant vigilance, such as dieting or exercising, you only have to take a few steps to improve your financial health and security in 2024 and the future.
VIA NerdWallet
The market remains tough for buyers, but there’s still no time like the present to start shopping. The long-term benefit of buying often outweighs the pain of toughing out the search.
VIA CNN
From reevaluating your spending habits to understanding the true value of money in your life, learn how to make your finances work towards your personal happiness and security.
VIA CNBC
The IRS will start accepting and processing 2023 tax returns for individual filers on January 29. Most taxpayers must file federal returns and pay balances by April 15 to avoid penalties and interest.
VIA US News
Lower interest rates pose a dual-edged sword for fixed-income investors, experts say. With the Federal Reserve likely to cut interest rates, here’s how retirees may approach their investment portfolios.
JANUARY 2024
VIA CNN
Bill Perkins shares how rethinking your retirement strategy can lead to a richer, more experience-filled life guided by real-life examples and poignant reflections.
VIA CBNC
The 2025 implementation of a law limiting how much Medicare enrollees pay for prescription drugs is leading to some substantially higher Medicare Part D premiums in 2024.
VIA CNN
The trend toward lower mortgage rates is influenced by Federal Reserve policies and their impact on home affordability. This can provide key insights for potential homebuyers.
VIA The Motley Fool
High earners take note: the mega backdoor Roth offers a unique opportunity to enhance your tax-advantaged savings, blending smart financial strategy w/ practical insights.
DECEMBER 2023
VIA Kiplinger
Some of the SECURE 2.0 retirement savings provisions kicked in this year. Others come in subsequent years. Here's what you should know.
VIA CBNC
A new U.S. Department of Labor proposal set to impact 2024 potentially could revolutionize how financial advice is given for 401(k)-to-IRA rollovers.
VIA CBS News
Navigating the current real estate market requires more than just a dream, as data reveals the need for six-figure incomes to afford a median-priced home in these 97 cities.
VIA CBNC
In 2024, retirement savings will be geting a boost as the IRS raises contribution limits for 401(k) plans to $23,000 and is raising contribution limits for IRAs to $7,000.
NOVEMBER 2023
VIA Clark.com
Preparing for unforeseen life events is crucial. Here are the essential legal and financial documents you should consider.
VIA Business Insider
Amidst rising concerns about inflation, 82% of Americans are seeking ways to solidify their finances. Here are five practical methods to enhance savings
VIA Kiplinger
Amidst rising concerns about inflation, 82% of Americans are seeking ways to solidify their finances. Here are five practical methods to enhance savings
VIA NerdWallet
From picking a plan for the perks to not checking next year’s network, here are some traps it’s easy to fall into while shopping for Medicare Advantage
VIA US News
Rising interest rates and a housing supply crunch have led to a housing affordability crisis in many areas of the country. Learn how your long-term savings could be affected by the shortage of homes
VIA CNBC
If you’re saving for retirement with a 401(k) or individual retirement account, it’s easy to lose money to taxes and penalties when moving money between accounts.
OCTOBER 2023
VIA Insider
Learn how Jackie Lam strategically laddered CDs in 3-month increments, benefiting from higher interest rates without locking away funds indefinitely.
VIA Kiplinger
Donating to charitable gift annuities can provide you with tax breaks now and income later.
Here’s what you need to know.
Here’s what you need to know.
VIA CNBC
President Franklin D. Roosevelt signed the Social Security Act into law in 1935. Eighty-eight years later, the program has never missed a payment.
VIA Kiplinger
Learn why open conversations about inheritance intentions might be the key to avoiding misunderstandings and promoting family harmony.
SEPTEMBER 2023
VIA Kiplinger
Many disruptive factors will impact retirement in the future. Thus, the time for workers to start preparing to deal with these disruptive factors is now. Here are some potential solutions.
VIA Clark.com
Congress passed a slew of new retirement account changes recently. And three of them are worth singling out for how they may be able to help your wallet.
VIA Kiplinger
The SECURE Act, which was passed in 2019, made some significant changes to the rules for inherited IRAs, including the 10-year rule. What is it, and what are the exceptions to it?
VIA Realtor.com
“Mortgage porting” is the practice of transferring the terms of your existing mortgage over to a new property. But how exactly does it work, and what will you need to qualify?
VIA Realtor.com
Some of the supposed housing issues that are coming up time and again aren’t true. Here are the four biggest myths about the current housing market and why experts say they’re wrong.
VIA Entepreneur.com
The way to make your annual taxes a good experience is to do your work now instead of waiting until right before they’re due. Here’s why.
AUGUST 2023
VIA Yahoo! Finance
You don’t necessarily have to be alarmed if you aren’t sporting a seven-figure balance in your retirement nest egg.
VIA Motley Fool
No matter how well a family gets along, the process of settling an estate can be tricky or messy — especially if there are large sums at stake.
VIA Motley Fool
If you think you might qualify for Social Security benefits based on an ex-spouse’s work history, you might find this information quite beneficial.
VIA Kiplinger
The IRS is again delaying certain required minimum distribution (RMD) rules. Here’s what the latest change means for some inherited IRA beneficiaries.
VIA Bankrate
When it comes to making money in the markets, investors have two main ways: capital gains and investment income. Here are key similarities and differences between the two.
VIA CBNC
Higher earners are more likely to owe an extra levy on investment earnings than a decade ago. But there are ways to reduce your tax bill, experts say.
JULY 2023
Yahoo! Finance
401(k)s and other workplace retirement plans are an excellent way to save for retirement while also saving money on taxes. But that doesn’t mean there aren’t any taxes associated with these accounts.
Realtor.com
Mortgage rates will stabilize over the short term and could begin to fall in the late summer and early fall. This could make it a more affordable time to buy a home, especially for those who have been waiting on the sidelines.
The Motley Fool
Motley Fool presents a table that shows the power of compound interest over time. The table shows how much money you could have saved for retirement if you started saving at a young age and invested regularly.
NerdWallet
Having multiple bank accounts can be a smart way to organize your finances and earn higher interest rates. However, it’s important to choose the right banks and accounts for your needs.
JUNE 2023
VIA CNBC
The classic retirement framework aims for seniors to have enough money to fund their lifestyle in old age. There are some big questions people planning for their retirement years should be asking.
VIA NerdWallet
Inflation reported for April continued its steady cooldown, but its slow pace shows it’s still resilient, too, according to the Bureau of Labor Statistics’ consumer price index report. Here’s how that information is valuable looking forward.
VIA Yahoo! Finance
If you have a mortgage, you might worry about what that means for your heirs and all of your loved ones. Who will be responsible for making payments? Let’s take a look at what happens to a mortgage when someone passes away.
VIA Business Insider
Regional banks are in turmoil as depositors withdraw their money from their bank accounts. Remember that up to $250,000 per depositor is safe at financial institutions that are FDIC- or NCUA-insured.
MAY 2023
Solo 401(k) Vs. SEP IRA
VIA businessinsider.com
Solo 401(k)s and SEP IRAs are options for the self-employed and small-business owners to save for retirement. These plans are designed for individuals or those with a small number of employees to benefit from tax-advantaged retirement savings. Here is a deeper look at each that can help you decide which is right for you.
What The Banking Crisis Means For Mortgage Rates
VIA cnn.com
Home buyers can anticipate mortgage rates to move down through the rest of this year as the banking crisis drags on, which could cool down inflation. But there are bound to be some bumps along the way. Here’s why rates have been bouncing around and where they could end up.
How To Use Your HSA As A Retirement Plan
VIA bankrate.com
If you’re looking to maximize your retirement savings, using your Health Savings Account (HSA) could be a wise choice.
Here’s what you should know about HSAs and how they can be used to boost your retirement savings.
Here’s what you should know about HSAs and how they can be used to boost your retirement savings.
Should I Sell My House Now? 7 Great Reasons To List This Spring—And 3 Times You Might Want To Wait
VIA realtor.com
With spring upon us, many home sellers could be wondering: Should I sell my home now? While this season tends to bring out both home sellers and buyers en masse, this particular spring is prompting many to pause.
How To Factor Your Health Into Your Financial Planning, According To A Doctor-Turned-Advisor
VIA cnbc.com
When you consider health as part of a financial plan, you may think in terms of insurance premiums and related out-of-pocket costs like copays. While those expenses matter, your health should influence far more than a single line item in a budget. Here’s what else you might consider.
VIA cnbc.com
Barbara Corcoran has made quite a name for herself in her more than 50 years in the real estate business. When asked about the time to buy, Corcoran always has the same answer. Here’s what it is.
APRIL 2023
VIA cnbc.com
Planning to sell some investments this year? It’s less likely to affect your 2023 tax bill, experts say. Here’s why: The IRS made dozens of inflation adjustments for 2023, including the long-term capital gains brackets, applying to investments held for more than one year.
VIA cbsnews.com
Financial institutions pay quarterly into the Deposit Insurance Fund or “DIF,” and the size of their fees is based on an assessment of the institution’s size and risk profile. The account exists to repay insured depositors when a financial institution fails. How will it work this time?
529 Plans Get a Boost With Tax-Free Rollovers to Roth IRAs
VIA kiplinger.com
Thanks to the SECURE 2.0 Act, you’ll soon be able to roll over funds from your 529 plan into a Roth IRA, as long as certain conditions are met. Here’s what you need to know about the new changes set to go into effect next year.
VIA Yahoo! Finance
Americans could save on taxes this year because of historically large inflation adjustments set by the IRS. Tax bracket changes could result in a slight decrease in the tax rates for some individuals, but not for others.
Jason A. Frederico
CFP®, ChFC®, CLU®, RICP®, CLTC®
CFP®, ChFC®, CLU®, RICP®, CLTC®
Park Avenue Securities Form CRS
Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 5280 CARROLL CANYON ROAD, SUITE 300, SAN DIEGO CA, 92121, 619-684-6400 . Securities products and advisory services offered through PAS, member FINRA, SIPC. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. WestPac Wealth Partners, LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License #0G14394. 7031678.1 Exp 09/26
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