You can start Social Security benefits as soon as you reach 62. Know the rules before deciding. #SocialSecurity
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When Should You Take Social Security
Healthcare may be one of your biggest expenses in retirement. Manage your risk.
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Healthy Body, Healthy Pocketbook
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
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“Dirty Dozen” Tax Scams to Watch For
With high equity valuations, low bond yields, a looming election and flu season starting, we could see more volatility in Q4. @ceteraIM's Q4 #Outlook explains: https://bit.ly/340JBlQ
The SECURE Act changed more than just retirement accounts; it also may affect students and families. Learn more now.
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Lesser Known Provisions of the SECURE Act
When it comes to investing, you may be your own worst enemy.
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Don’t Be Your Own Worst Enemy
Your #insurance needs don’t stay the same when the nest empties, but what changes?
CENTURYBFS.COM
Insurance Needs Assessment: For Empty Nesters and Retirees
In September, stock prices dropped as investors worried about stalled fiscal stimulus talks, the upcoming election, and new European coronavirus cases.
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Monthly Market Insights | October 2020
Are you overpaying your #taxes? Here’s six overlooked #tax #deductions.
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Six Most Overlooked Tax Deductions
The market is as unpredictable as the weather. We’re here to help you prepare.
CENTURYBFS.COM
Forecast
This Monthly Recap summarizes market performance, major events and news from September and Q3 2020. Read more here: https://bit.ly/34e8ieV
A recent study, focused on how the pandemic is impacting retirement confidence levels among men and women, found that women may be disproportionately impacted when it comes to retirement security. Check out the latest issue of Financial Watch: http://bit.ly/financialwatch-oct2020
What does the average American budget look like? We’ve created a fun interactive piece that lets you see how your own budget compares. Read more now.
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The Average American Budget
Trump vs Biden. Do markets care who wins? @ceteraIM covers the path to electoral victory for both candidates and look at historical stock market returns during post-WWII 4-year presidential cycles in this latest commentary: https://bit.ly/31nO69V
It may seem like a good idea to close credit card accounts you no longer use to avoid annual fees or if you're not using rewards during the pandemic, but this may have an adverse impact on your credit. Read the latest issue of Retire Wise for more: http://bit.ly/retirewise-oct2020
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
How many credit cards do you have?
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Spotting Credit Trouble
A retiree’s #portfolio should reflect the lifestyle choices he or she makes in #retirement. Does yours?
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Does Your Portfolio Fit Your Retirement Lifestyle?
How much is enough for your emergency fund?
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Your Emergency Fund: How Much Is Enough?
Just entering retirement? Here's what you need to know.
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9 Facts About Retirement
Attention Estate Executors: Do you know about the Alternate Valuation Date?
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Understanding the Alternate Valuation Date
#Markets have their worst day in a month on #Covid concerns, #stimulus plan pessimism, and #election2020 uncertainty. Please check out this latest commentary: https://bit.ly/34tPNnW #economy #stockmarket
When are you taking your #SocialSecurity benefits? Considering the timing can help maximize your benefit.
CENTURYBFS.COM
A Fruitful Retirement: Social Security Benefit
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. #IRA
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IRA Withdrawals that Escape the 10% Tax Penalty
This Monthly Recap summarizes market performance, major events and news from October 2020. Read more here: https://bit.ly/384tBD7
These 6 things might make your next return a prime target for an IRS audit. #taxes #IRS #audit
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Red Flags for Tax Auditors
U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies
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Personal Finance Tips for Military Families
If you thought that payouts from life insurance are tax-free in all cases, think again.
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When Life Insurance Becomes Taxable
No time is more critical than the end of the year to make sure you're taking advantage of opportunities to manage your tax burden. That's especially true this year, thanks to the CARES Act. Read the latest issue of Retire Wise for more: http://bit.ly/retirewise-nov20
If you want to avoid any potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
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Do You Owe The AMT?
The latest commentary from @CeteraIM discusses Joe #Biden being declared #President and potential implications from a divided government. Click here to read more: https://bit.ly/3lfQjMa
#economy #markets #stocks #election2020
A #homewarranty may make sense, but you need to set proper expectations.
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Making Sense Of A Home Warranty
In October, stock prices felt increased pressure due to inaction on a second American fiscal stimulus bill and a rise in global COVID-19 cases.
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Monthly Market Insights | November 2020
The COVID-19 pandemic has taken a toll on many U.S. households. However, there are important steps you can take to regain control of your financial future. Check out the latest issue of Financial Watch: https://bit.ly/financialwatch-nov2020
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
CENTURYBFS.COM
Money Draining Food Myths
When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
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When Markets React
Between the main courses of travel, food, and shopping, Thanksgiving holds special significance in the U.S. economy. Find out more by grabbing a fresh slice of the latest commentary from Cetera Investment Management: https://bit.ly/35ycKXD
A will may be only one of the documents you need—and one of the factors you should consider—when it comes to managing your estate.
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Estate Management 101
Benefit. Premium. Policyholder. Learn the language before evaluating your options. #TermLifeInsurance
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Is Term Life Insurance for You?
There are four basic steps to calculating the value of an estate.
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Four Steps to Valuing an Estate
When dealing with a divorce, there are some secrets to dealing with the stress, especially when it comes to money.
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Budgeting After a Divorce
This Monthly Recap summarizes market performance, major events and news from November 2020. Read more here: https://bit.ly/3odtlXd
The reasons to #invest may have nothing to do with your #retirement. Here are four good reasons.
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Four Really Good Reasons to Invest
Are you ready for school—again?
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Estimating the Cost of College
The latest issue of Retire Wise covers 3 tax-smart ways to help family members in need pay for college and provides helpful information to avoid phony COVID-19 contact tracer scams. Read more here: https://bit.ly/retirewise-dec20
Earnings season can move markets. Find out why.
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Earnings for All Seasons
The choice of business structure is not a final decision. You may amend your business structure to your changing needs.
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Choosing a Business Structure
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
CENTURYBFS.COM
Monthly Market Insights | December 2020
Your #creditscore may impact what you pay for auto and home #insurance.
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Does Your Credit Score Affect Your Insurance Rates?
Property taxes too high? Here are ways to potentially lower your assessment. #homeowner #propertytax
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How to Appeal Your Property Taxes
What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1. #IncomeTax
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What Do Your Taxes Pay For?
Test your estate strategy knowledge with this short quiz.
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Test Your Estate Strategy Knowledge
Sharpen your pencils, it's time for @ceteraIM's 2021 #Outlook! The #economy will be going off to college and won't be getting as much financial support in 2021. Read the full 2021 Market Outlook here: https://bit.ly/2KAGVpe
The latest issue of Financial Watch reviews 5 of the most important financial lessons learned this year, and actions you can take as you plan for the new year. Read more: https://bit.ly/financialwatch-dec2020
Second homes have unique risks and insuring them is different than a primary home.
CENTURYBFS.COM
Insuring Your Second Home
When are you taking your #SocialSecurity benefits? Considering the timing can help maximize your benefit.
CENTURYBFS.COM
A Fruitful Retirement: Social Security Benefit
A home is the single largest financial commitment for most people. What mortgage fits you best?
CENTURYBFS.COM
Choosing a Mortgage
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
CENTURYBFS.COM
When Special Care Is Needed: The Special Needs Trust
Test your estate strategy knowledge with this short quiz.
CENTURYBFS.COM
Test Your Estate Strategy Knowledge
Sharpen your pencils, it's time for @ceteraIM's 2021 #Outlook! The #economy will be going off to college and won't be getting as much financial support in 2021. Read the full 2021 Market Outlook here: https://bit.ly/2KAGVpe
The latest issue of Financial Watch reviews 5 of the most important financial lessons learned this year, and actions you can take as you plan for the new year. Read more: https://bit.ly/financialwatch-dec2020
Second homes have unique risks and insuring them is different than a primary home.
CENTURYBFS.COM
Insuring Your Second Home
Trying to decide whether to buy or rent a home? There are 4 important questions you should consider.
CENTURYBFS.COM
To Buy or Not to Buy
When the rules of the game change, tactics should follow in response to the new landscape.
CENTURYBFS.COM
Revising Estate Strategy Assumptions
Recovery. Recession. Gross Domestic Product. Learn the language of economic cycles.
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The Business Cycle
A home is the single largest financial commitment for most people. What mortgage fits you best?
CENTURYBFS.COM
Choosing a Mortgage
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
CENTURYBFS.COM
When Special Care Is Needed: The Special Needs Trust
Test your estate strategy knowledge with this short quiz.
CENTURYBFS.COM
Test Your Estate Strategy Knowledge
The latest commentary from @CeteraIM discusses a likely Democratic sweep of Congress and potential implications of their slim majority in the Senate. Click here to read more: https://bit.ly/3nmiQQz
#economy #markets #stocks #election2020
Here are 5 facts about Social Security you absolutely need to know. #socialsecurity #retirement
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Social Security: Five Facts You Need to Know
#Markets have had an impressive run since March 2020 lows. Rising headwinds could cause a correction. Planning ahead and being prepared is important. Check out the latest commentary from Cetera Investment Management: https://bit.ly/2MyxM1n
#economy #stockmarket #correction
It might surprise you how well Millennials are saving for retirement. #genY #retirement #savings
CENTURYBFS.COM
What Our Kids Can Teach us About Saving Money
This Quarterly Recap summarizes market performance, major events and news from Q4 2020. Read more here: https://bit.ly/355Mbs3
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
CENTURYBFS.COM
Money Draining Food Myths
The Internal Revenue Service today expanded the Identity Protection PIN Opt-In Program to all taxpayers who can verify their identities. Taxpayers who want an IP PIN for 2021 should go to IRS.gov/IPPIN and use the Get an IP PIN tool.
It's 2021: time to check your tax bracket! The latest issue of Retire Wise covers the 2021 tax rate schedule, standard deduction increases, and 5 ways to reduce pandemic-related stress. Read more here: http://bit.ly/retirewise-jan21
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
Have a kid heading off to college? Here are a few tips.
CENTURYBFS.COM
A Cheat Sheet for Sending Your Kid to College
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
CENTURYBFS.COM
Monthly Market Insights | January 2021
The latest commentary from @CeteraIM discusses a likely Democratic sweep of Congress and potential implications of their slim majority in the Senate. Click here to read more: https://bit.ly/3nmiQQz
#economy #markets #stocks #election2020
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
CENTURYBFS.COM
What Is a 1035 Exchange?
Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?
CENTURYBFS.COM
Rightsizing for Retirement
The Internal Revenue Service today expanded the Identity Protection PIN Opt-In Program to all taxpayers who can verify their identities. Taxpayers who want an IP PIN for 2021 should go to IRS.gov/IPPIN and use the Get an IP PIN tool.
It's 2021: time to check your tax bracket! The latest issue of Retire Wise covers the 2021 tax rate schedule, standard deduction increases, and 5 ways to reduce pandemic-related stress. Read more here: http://bit.ly/retirewise-jan21
When was the last time you checked your credit score? #CreditScore
CENTURYBFS.COM
How Does Your Credit Score Compare?
Have a kid heading off to college? Here are a few tips.
CENTURYBFS.COM
A Cheat Sheet for Sending Your Kid to College
It isn't whether you should have auto insurance - it's what kind you should have. #autoinsurance
CENTURYBFS.COM
The ABC’s of Auto Insurance
The latest issue of Financial Watch recommends 4 steps for strengthening your financial safety net in the new year. Read more: http://bit.ly/financialwatch-jan2021
Check out this video on taxes. #IncomeTax
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The Facts About Income Tax
#SocialMedia may be important in growing your company, but it may introduce liability. Is your company protected?
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Social Media: #NewestBusinessLiabilityRisk
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
CENTURYBFS.COM
What Is a 1035 Exchange?
Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?
CENTURYBFS.COM
Rightsizing for Retirement
The latest commentary from @CeteraIM discusses the recent market volatility due to increased speculative trading by retail investors. Click here to ready more: https://bit.ly/2NNgkH4
#valatility #markets #stocks
When the rules of the game change, tactics should follow in response to the new landscape.
CENTURYBFS.COM
Revising Estate Strategy Assumptions
Ever wonder about those free credit scores you get once a year? #creditscore #credit
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The Lowdown on Those Free Credit Scores
The latest commentary from @CeteraIM discusses the first FOMC meeting of 2021. Expect a discussion around #economy, fiscal #stimulus, and monetary policy. Click here to read more: https://bit.ly/2Yb7Qve
#Fed #markets #stocks
It isn't whether you should have auto insurance - it's what kind you should have. #autoinsurance
CENTURYBFS.COM
The ABC’s of Auto Insurance
The latest issue of Financial Watch recommends 4 steps for strengthening your financial safety net in the new year. Read more: http://bit.ly/financialwatch-jan2021
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
CENTURYBFS.COM
Monthly Market Insights | February 2021
Whether you realize it or not, you’ve allocated your assets.
CENTURYBFS.COM
A Decision Not Made Is Still a Decision
This Monthly Recap summarizes market performance, major events and news from January 2021. Read more here: https://bit.ly/3cu7A2H
Being healthy may help your personal finances.
CENTURYBFS.COM
Putting a Price Tag On Your Health
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
CENTURYBFS.COM
When Special Care Is Needed: The Special Needs Trust
The latest commentary from @CeteraIM discusses the recent market volatility due to increased speculative trading by retail investors. Click here to ready more: https://bit.ly/2NNgkH4
#valatility #markets #stocks
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
CENTURYBFS.COM
What is the Value of Your Business?
How many credit cards do you have?
CENTURYBFS.COM
Spotting Credit Trouble
RMDs are back. What's your strategy? Read more here: http://bit.ly/retirewise-feb21
It might surprise you how well Millennials are saving for retirement. #genY #retirement #savings
CENTURYBFS.COM
What Our Kids Can Teach us About Saving Money
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
CENTURYBFS.COM
Monthly Market Insights | February 2021
Whether you realize it or not, you’ve allocated your assets.
CENTURYBFS.COM
A Decision Not Made Is Still a Decision
What does it actually cost to raise a child? You might be surprised.
CENTURYBFS.COM
The Half Million Dollar Baby
Rebalancing = restoring a portfolio to its original risk profile. Are you feeling a little off balance? #Rebalance
CENTURYBFS.COM
Rebalancing Your Portfolio
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
CENTURYBFS.COM
What is the Value of Your Business?
How many credit cards do you have?
CENTURYBFS.COM
Spotting Credit Trouble
RMDs are back. What's your strategy? Read more here: http://bit.ly/retirewise-feb21
It might surprise you how well Millennials are saving for retirement. #genY #retirement #savings
CENTURYBFS.COM
What Our Kids Can Teach us About Saving Money
Do you know the difference between a global mutual fund and an international mutual fund?
CENTURYBFS.COM
Global and International Funds
Is the economy primed for a recovery? Find out in the latest commentary from @CeteraIM. Read more: https://bit.ly/3qDFUfY
The key to #healthcare in retirement might be a patchwork of different choices.
CENTURYBFS.COM
Extended Care: A Patchwork of Possibilities
You need to know 8 things before you file your 2020 tax return. Read more: http://bit.ly/financialwatch-feb21
What does it actually cost to raise a child? You might be surprised.
CENTURYBFS.COM
The Half Million Dollar Baby
Rebalancing = restoring a portfolio to its original risk profile. Are you feeling a little off balance? #Rebalance
CENTURYBFS.COM
Rebalancing Your Portfolio
Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.
CENTURYBFS.COM
How to Read Your Credit Report
Could you find acres of diamonds in your own backyard? Watch this video.
CENTURYBFS.COM
Acres of Diamonds
Check out the latest commentary from @CeteraIM which discusses the reasons for the most recent technology stock selloff: https://bit.ly/3dNCHH4
#economy #markets #stocks #techstocks
Considering alternative investments? It’s critical to sort through the complexity. #AlternativeInvestments
CENTURYBFS.COM
Are Alternative Investments Right for You?
Do you know the difference between a global mutual fund and an international mutual fund?
CENTURYBFS.COM
Global and International Funds
Is the economy primed for a recovery? Find out in the latest commentary from @CeteraIM. Read more: https://bit.ly/3qDFUfY
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
CENTURYBFS.COM
Monthly Market Insights | March 2021
The beans brewed for your morning coffee may have changed hands many times #MorningCoffee
CENTURYBFS.COM
The Economic Journey of Your Morning Coffee
This Monthly Recap summarizes market performance, major events and news from February 2021. Read more here: https://bit.ly/3bTglkT
U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies
CENTURYBFS.COM
Personal Finance Tips for Military Families
Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.
CENTURYBFS.COM
How to Read Your Credit Report
Could you find acres of diamonds in your own backyard? Watch this video.
CENTURYBFS.COM
Acres of Diamonds
Concerned about identity theft? Some things to leave at home. #IdentityTheft
CENTURYBFS.COM
Please Leave Home Without It
What if you haven't saved enough? Check out 3 ways to boost cash reserves in retirement. Read more here: http://bit.ly/retirewise-mar21
The tax rules that govern donating art are complex and confusing. #taxes #art
CENTURYBFS.COM
Donating Art: Taxation Abstraction
With increasing wealth comes unique financial challenges.
CENTURYBFS.COM
Investment Challenges of the Affluent Investor
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
CENTURYBFS.COM
Monthly Market Insights | March 2021
The beans brewed for your morning coffee may have changed hands many times #MorningCoffee
CENTURYBFS.COM
The Economic Journey of Your Morning Coffee
When the rules of the game change, tactics should follow in response to the new landscape.
CENTURYBFS.COM
Revising Estate Strategy Assumptions
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
CENTURYBFS.COM
What If You Get Audited?
Concerned about identity theft? Some things to leave at home. #IdentityTheft
CENTURYBFS.COM
Please Leave Home Without It
What if you haven't saved enough? Check out 3 ways to boost cash reserves in retirement. Read more here: http://bit.ly/retirewise-mar21
The tax rules that govern donating art are complex and confusing. #taxes #art
CENTURYBFS.COM
Donating Art: Taxation Abstraction
With increasing wealth comes unique financial challenges.
CENTURYBFS.COM
Investment Challenges of the Affluent Investor
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
CENTURYBFS.COM
What Is a 1035 Exchange?
More #stimulus checks as economies reopen could provide a tailwind for the Q2 #economy. But does #inflation loom? Read more from @ceteraIM's #Outlook here: https://bit.ly/3tHTVKS
#Bonds #Stocks
Here are a few key factors to consider when naming an executor for your estate.
CENTURYBFS.COM
And the Executor Is
How will you avoid these 5 common retirement planning pitfalls? Read more: http://bit.ly/financialwatch-mar21
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
CENTURYBFS.COM
Tax Rules When Selling Your Home
When the rules of the game change, tactics should follow in response to the new landscape.
CENTURYBFS.COM
Revising Estate Strategy Assumptions
