OCTOBER 2023
I'm 'Laddering' My CDs To Earn The Most On My SavingsVIA Insider
Learn how Jackie Lam strategically laddered CDs in 3-month increments, benefiting from higher interest rates without locking away funds indefinitely.
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Charitable Gift Annuities: Benefit Yourself And Your Favorite CharityVIA Kiplinger
Donating to charitable gift annuities can provide you with tax breaks now and income later.
Here’s what you need to know. |
Here Are 3 Things To Know About Your Retirement BenefitsVIA 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.
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Estate Planning Amid Family Estrangement: Limiting The FalloutVIA Kiplinger
Learn why open conversations about inheritance intentions might be the key to avoiding misunderstandings and promoting family harmony.
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SEPTEMBER 2023
Retirement’s longer lifespans and changing needsVIA 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.
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Big retirement account changes you haven’t heard aboutVIA 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.
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The ten-year rule for inherited IRAsVIA 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?
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Keep low-interest rates with mortgage 'porting'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?
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Four housing market myths hurting buyers and sellersVIA 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.
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Avoid last-minute stress on tax preparationVIA 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.
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AUGUST 2023
5 Signs You Might Be Better Prepared For Retirement Than You ThinkVIA Yahoo! Finance
You don’t necessarily have to be alarmed if you aren’t sporting a seven-figure balance in your retirement nest egg.
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Living Trust Vs. Will: Which Is The Best Way To Pass Inheritance To Your Family?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.
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Can A Divorced Person Collect Social Security Using Their Ex's Salary History?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.
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IRS Delays IRA RMD Rules AgainVIA Kiplinger
The IRS is again delaying certain required minimum distribution (RMD) rules. Here’s what the latest change means for some inherited IRA beneficiaries.
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Capital Gains Vs. Investment Income: How They DifferVIA 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.
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Millions Of High Earners Pay This Investment Income Tax Every Year. Here’s How To Avoid ItVIA 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.
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JULY 2023
How to avoid paying 401(k) withdrawal taxesYahoo! 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.
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Mortgage rates are poised to fallRealtor.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.
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The most important retirement table you’ll seeThe 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.
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Should you keep accounts open at multiple banks?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.
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JUNE 2023
3 Ways To Rethink Old Age And Retirement, MIT Expert SaysVIA 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.
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4 Things To Know About Today’s Inflation ReportVIA 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.
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What Happens To Your Mortgage When You Die?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.
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Regional Banks Have Been Failing — Here Are 3 National Banks Where Your Savings Are Secure And You’ll Earn High RatesVIA 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.
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MAY 2023
Solo 401(k) Vs. SEP IRAVIA 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.
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What The Banking Crisis Means For Mortgage RatesVIA 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.
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How To Use Your HSA As A Retirement PlanVIA 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. |
Should I Sell My House Now? 7 Great Reasons To List This Spring—And 3 Times You Might Want To WaitVIA 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.
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How To Factor Your Health Into Your Financial Planning, According To A Doctor-Turned-AdvisorVIA 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.
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Barbara Corcoran Says Young People Should ‘Get In The Game Of Real Estate’ As Fast As They Can—Here’s WhyVIA 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.
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APRIL 2023
How To Pay 0% Capital Gains Taxes With A Six-Figure Income In 2023VIA 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.
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What To Know About Bank Deposits And The FDIC Deposit Insurance FundVIA 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?
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529 Plans Get a Boost With Tax-Free Rollovers to Roth IRAsVIA 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.
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Here Are The New 2023 Tax Brackets — And How To Determine YoursVIA 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.
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Jason A. Frederico
CFP®, ChFC®, CLU®, RICP®, CLTC® |
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. 2022-142574 Exp. 9/24
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