What would happen to your loved ones if you were gone? Make financial preparations today.
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Variable Universal Life Insurance
Retirement Recovery Plan
To learn more click here:
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Marc On Money - Retirement Recovery Plan 4/25/20
Your ideal #retirement may differ from reality, but we can work together to better align the two.
EFS4U.COM
RE: Retirement
How prepared are you for retirement?
EFS4U.COM
The Pre-Retirement Checklist
EFS4U.COM
How Will Working Affect Social Security Benefits?
Are you planning to work after taking Social Security benefits? Know the rules. #SocialSecurityBenefits
EFS4U.COM
How Will Working Affect Social Security Benefits?
Do you know the ins and outs of charitable giving? It's more complicated than you may think. Learn more now.
EFS4U.COM
Year-End Charitable Gifting and You
Ever wonder about those free credit scores you get once a year? #creditscore #credit
EFS4U.COM
The Lowdown on Those Free Credit Scores
Learn more about whether you need to pay estimated taxes.
EFS4U.COM
You May Need to Make Estimated Tax Payments If…
In September, stock prices dropped as investors worried about stalled fiscal stimulus talks, the upcoming election, and new European coronavirus cases.
EFS4U.COM
Monthly Market Insights | October 2020
An ILIT could play a role in your estate strategy.
EFS4U.COM
A Primer on Irrevocable Life Insurance Trusts
You've allocated your assets; you just may not realize it yet. #AssetAllocation
EFS4U.COM
Asset Allocation
When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
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When Markets React
Understanding credits and deductions is one of the critical building blocks to making the tax code work for you.
EFS4U.COM
How to Make the Tax Code Work for You
You won’t believe what these taxpayers tried to get away with. #IRS #taxes #funny #humor
EFS4U.COM
Tax Deductions You Won't Believe
Agent Jane Bond wants you to know about how bonds help diversify a portfolio.
EFS4U.COM
Jane Bond: Decoding Diversification
Here’s a look at what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
EFS4U.COM
Life and Death of a Twenty Dollar Bill
Cast Your Vote!
Pick your favorite sock worn by our stylish Retirement Investment Advisors!
#1 - Bryon
#2 - Marc
#3 - Dana
#4 - Don
Of course, Bryon had to show a little leg!
A retirement income plan should include guaranteed income, growth potential, and flexibility. Plan for a long retirement, inflation, market volatility, and withdraw the right amount from savings to help reduce the chances of running...
EFS4U.COM
Smart retirement income strategies
Happy Birthday Stephanie Drost! May all of your birthday wishes come true!
To make money harder to copy, there have been continual changes to the artwork, paper and ink. #Counterfeit
EFS4U.COM
Countering Counterfeit Currency
Is there a role for both active and passive investments in your portfolio?
EFS4U.COM
The Great Debate Continues: Active vs. Passive
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.
EFS4U.COM
Monthly Market Insights | November 2020
Increase #worker #productivity and motivate your #employees with these five simple and inexpensive ideas.
EFS4U.COM
Creative Ways to Motivate Your Employees
Chris Rock once remarked, “You don’t pay taxes – they take taxes.” That applies not only to income, but also to capital gains.
EFS4U.COM
A Taxing Story: Capital Gains and Losses
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
EFS4U.COM
“Dirty Dozen” Tax Scams to Watch For
Should gold be a part of your diversified portfolio?
EFS4U.COM
Should I Invest in Gold?
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
EFS4U.COM
What If You Get Audited?
To All of Our Beloved Veterans
WE ARE THANKFUL FOR YOUR SERVICE!
EFS4U.COM
Veterans Day 2020
Does your business have a retirement strategy that fits your short, long-term needs?
EFS4U.COM
Choosing a Retirement Plan that Fits Your Business
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
EFS4U.COM
Tax Rules When Selling Your Home
In the world of finance, the effects of the "confidence gap" can be especially apparent.
EFS4U.COM
Bridging the Confidence Gap
What did it take to become the richest man in Babylon?
EFS4U.COM
The Richest Man in Babylon
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.
EFS4U.COM
Estate Management 101
Concerned about the social impact of your investments?
EFS4U.COM
Investing with Your Heart
If you died, what would happen to your email archives, social
profiles, and online accounts?
EFS4U.COM
Safeguard Your Digital Estate
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
EFS4U.COM
Monthly Market Insights | December 2020
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
EFS4U.COM
What is the Value of Your Business?
Surprises crop up every day, and they’re a great reason to work with us.
EFS4U.COM
Surprises
It’s possible to avoid these classic #retirement traps, with a little preparation.
EFS4U.COM
Retirement Traps to Avoid
Are you ready for school—again?
EFS4U.COM
Estimating the Cost of College
Learn more about whether you need to pay estimated taxes.
EFS4U.COM
You May Need to Make Estimated Tax Payments If…
To make money harder to copy, there have been continual changes to the artwork, paper and ink. #Counterfeit
EFS4U.COM
Countering Counterfeit Currency
Remember, you may need to begin taking required minimum distributions (RMDs) from certain retirement accounts once you reach age 72. Prior to the 2019 SECURE Act, the age was 70½.
EFS4U.COM
Reminder: Required Minimum Distribution Age 72
Bedtime Story: U.S. Federal Tax Code. How many pages have you read?
EFS4U.COM
Understanding Marginal Income Tax Brackets
SOUNDCLOUD.COM
Marc On Money 5 Things To Avoid in Retirement
Does your #insurance cover you if you get into an accident with an uninsured driver?
EFS4U.COM
Protection Against Uninsured Drivers
Are you overpaying your #taxes? Here’s five overlooked #tax #deductions.
EFS4U.COM
Five Most Overlooked Tax Deductions
[Video] Agent Jane Bond wants you to know about the basics of the #bond #market.
EFS4U.COM
Jane Bond: Infiltrating the Market
The #investments you’ve made in your life so far have helped prepare you for the future. We can help, too.
EFS4U.COM
Investments
Are you aware about the recent retirement changes brought about by the SECURE Act? We break down some of the biggest changes for you.
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The SECURE Act
Worried that inflation may rise in the years ahead? You’re not alone. #TIPS
EFS4U.COM
TIPS for Inflation
[Video] Agent Jane Bond wants you to know about the basics of the #bond #market.
EFS4U.COM
Jane Bond: Infiltrating the Market
The #investments you’ve made in your life so far have helped prepare you for the future. We can help, too.
EFS4U.COM
Investments
Ladenburg Thalmann Asset Management President & CEO Phil Blancato offers his view on why we should be optimistic heading into 2021. Click to listen: https://bit.ly/2JkQjgo
#covideconomy #economicrecovery
Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.
EFS4U.COM
How to Read Your Credit Report
Unemployment figures are steadily improving! Ladenburg Thalmann Asset Management President & CEO Phil Blancato breaks down the virus’ impact on unemployment figures in the latest episode. Click to listen: https://bit.ly/2JkQjgo
#covideconomy #economicrecovery
Before retiring early, take a look at the cold, hard facts. #retiringearly #retirement
EFS4U.COM
How to Retire Early
We have all experienced change this past year, but it is how we react to the change that sets us apart… see how your #NewYearsResolutions can be the keys to success in 2021!
FORBES.COM
A New Year’s Resolution For 2021: Harness The Power To Change
Working in Retirement: New trend or same old story?
EFS4U.COM
Where Will Your Retirement Money Come From?
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
EFS4U.COM
Monthly Market Insights | January 2021
Listen to Marc on Money on KSCJ 1360AM or 94.9FM on Sunday mornings at 7:30 for Smart Retirement Strategies. To listen to pre-recorded shows now visit: https://soundcloud.com/user-939064
EFS4U.COM
Retirement Strategies - Marc on Money Sundays 7:30AM KSCJ or Sound Cloud
Check out this video on taxes. #IncomeTax
EFS4U.COM
The Facts About Income Tax
Sunday 7:30AM - Listen to Marc on Money on KSCJ 1360 AM and 94.9 FM to learn about Retirement Strategies.
The New Year brings new books! Check out the literary gold coming in 2021, great way to keep busy in our socially distanced world! #NewYearsResolutions
OPRAHMAG.COM
55 of the Most Anticipated Books of 2021
Do you have a will? Is it updated?
EFS4U.COM
When Do You Need a Will?
“Old age is no place for sissies,” said actress Bette Davis. #LifeInsurance
EFS4U.COM
Planning for the Expected
Thinking of volunteering in retirement? Some considerations. #Volunteering
EFS4U.COM
Volunteering in Retirement
Spending months at home has made our jeans and our wallets tighter… find out what everyone is doing to fix this heading in to 2021! #Healthyliving#FitnessGoals #FitandFab
FORBES.COM
Food Trends Forecast 2021: Being Healthy In A Post Covid-19 World
Tax time can be a good time to give your household budget a checkup.
EFS4U.COM
Budget Check Up: Tax Time Is the Right Time
There are four basic steps to calculating the value of an estate.
EFS4U.COM
Four Steps to Valuing an Estate
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
EFS4U.COM
Monthly Market Insights | January 2021
When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
EFS4U.COM
When Markets React
Do you know what all those emojis you keep seeing in your text messages mean? Here’s a handy guide.
EFS4U.COM
Mastering Mobile Lingo
“Old age is no place for sissies,” said actress Bette Davis. #LifeInsurance
EFS4U.COM
Planning for the Expected
Thinking of volunteering in retirement? Some considerations. #Volunteering
EFS4U.COM
Volunteering in Retirement
Spending months at home has made our jeans and our wallets tighter… find out what everyone is doing to fix this heading in to 2021! #Healthyliving#FitnessGoals #FitandFab
FORBES.COM
Food Trends Forecast 2021: Being Healthy In A Post Covid-19 World
Tax time can be a good time to give your household budget a checkup.
EFS4U.COM
Budget Check Up: Tax Time Is the Right Time
Considering alternative investments? It’s critical to sort through the complexity. #AlternativeInvestments
EFS4U.COM
Are Alternative Investments Right for You?
There are billions in unclaimed dollars in the US. Is some of that yours?
EFS4U.COM
Surprise! You’ve Got Money!
Fallen trees damage property and strain neighborly relations. Who pays when your tree falls?
EFS4U.COM
Fallen Tree Damage—Who Pays?
The coronavirus pandemic threw everyone for a loop in 2020. As 2020 becomes the past, it’s a great time to reflect on your financial goals, reset and prepare for the future.
CNBC.COM
How did you do on financial goals for 2020? Here’s what to do for a better 2021
You don't know what you don't know until you know it. I had a prospective client come in and they had already filed for Social Security. It was clearly going to cost his retirement income a lot of money. He was able to go back and redo...
EFS4U.COM
Social Security Tid Bit
The choice of business structure is not a final decision. You may amend your business structure to your changing needs.
EFS4U.COM
Choosing a Business Structure
Generate income and rebuild principal. A powerful one-two punch.
EFS4U.COM
Split Annuity Strategy
Have trouble sticking to #NewYearsResolutions in the past? So do most Americans… see how you can set financial goals for the New Year here!
PEOPLE.COM
Most Americans Are Ditching Traditional New Year's Resolutions for 2021, Survey Finds
Considering alternative investments? It’s critical to sort through the complexity. #AlternativeInvestments
EFS4U.COM
Are Alternative Investments Right for You?
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
EFS4U.COM
Monthly Market Insights | February 2021
Buying a home may be your largest financial commitment. Which loan is best for your situation?
EFS4U.COM
Fixed or Variable Mortgage, Which Should You Pick?
Technology has transformed the way we live… found out what is to come in 2021 and be ready for some exciting changes!
FORBES.COM
The 5 Biggest Technology Trends In 2021 Everyone Must Get Ready For Now
Three important questions to consider before you start taking #SocialSecurity.
EFS4U.COM
Three Key Questions to Answer Before Taking Social Security
How literate are you when it comes to your finances? Brush up with these five basics.
EFS4U.COM
The Five Basics of Financial Literacy
Listen to Marc on Money on KSCJ 1360AM or 94.9FM on Sunday mornings at 7:30 for Smart Retirement Strategies. To listen to pre-recorded shows now visit: https://soundcloud.com/user-939064
EFS4U.COM
Page Not Found | EFS Group Wealth Management
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
EFS4U.COM
“Dirty Dozen” Tax Scams to Watch For
Movie critic Bruce Miller, The Sioux City Journal. says “Minari” uses small moments to make big statements. Visually and emotionally, it’s a beautiful film – one that stakes a claim to your heart and reminds you...
EFS4U.COM
Movies in a Minute:
Movies in a Minute: "Minari" by Bruce Miller, The Sioux City Journal
SIOUXCITYJOURNAL.COM
Movies in a Minute: "Minari"
Did you make any financial resolutions this New Year? For some great suggestions, check this out! #NewYearsResolutions #FinancialHabits
https://www.businesswire.com/news/home/20201215005053/en/21-Financial-Resolutions-for-2021-from-the-AICPA
You’ve heard Medicare Parts A, B, C, & D referenced, but what do they mean—and what do they cover? Find out more here:
EFS4U.COM
Breaking Down the Parts of Medicare
When are you taking your #SocialSecurity benefits? Considering the timing can help maximize your benefit.
EFS4U.COM
A Fruitful Retirement: Social Security Benefit
Are you prepared for a 20-year retirement? How women can consider their retirement strategy.
EFS4U.COM
How Women Can Prepare For Retirement
Time can be a tricky thing to manage, especially when we have so much of it! Here are six tips for maximizing your time better in 2021!
FITNANCIALS.COM
6 Productivity Tips To Make 2021 Your Best Year Ever (That Actually Work)
Social Security has been a fact of retirement life since 1935. Are you eligible for benefits?
EFS4U.COM
9 Facts About Social Security
The average #retirement lasts for 18 years. Are you prepared to fill that many days?
EFS4U.COM
18 Years’ Worth of Days
Creating a home inventory can help you fully recover any property losses you incur. Include these four things.
EFS4U.COM
Inventorying Your Possessions
The beans brewed for your morning coffee may have changed hands many times #MorningCoffee
EFS4U.COM
The Economic Journey of Your Morning Coffee
U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies
EFS4U.COM
Personal Finance Tips for Military Families
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.
EFS4U.COM
Do You Owe The AMT?
What do you need to know in the face of post COVID-19 volatility?
EFS4U.COM
Pullbacks, Corrections, and Bear Markets
New experiences for the New Year! When it's safe to travel again, here are 20 places to travel in 2021…take a look! #NewExperiences #NewYearNewYou
FORBES.COM
The 20 Best Places To Travel In 2021: Where To Go Next
Consider a bucket plan to go with your bucket list. #RetirementSavings
EFS4U.COM
A Bucket Plan to Go with Your Bucket List
What do you think your #retirement will be like? Attitudes are changing, and many are working in their #goldenyear
EFS4U.COM
Retirement Redefined
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
EFS4U.COM
Money Draining Food Myths
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
EFS4U.COM
Monthly Market Insights | March 2021
Sector investing may present an opportunity — if you do your homework. #investing
EFS4U.COM
The Utility of Sector Investing
What is one of the most underestimated risks in retirement?
EFS4U.COM
Risks in retirement?
A retirement income plan should include guaranteed income, growth potential, and flexibility. Plan for a long retirement, inflation, market volatility, and withdraw the right amount from savings to help reduce the chances of running...
EFS4U.COM
Smart retirement income strategies
When are you taking your #SocialSecurity benefits? Considering the timing can help maximize your benefit.
EFS4U.COM
A Fruitful Retirement: Social Security Benefit
Business owners should consider a succession plan sooner rather than later.
EFS4U.COM
Succeeding at Business Succession
Thinking about a new job in the new year? Don’t wait…read these tips on how to stand out! #CareerGoals
FORBES.COM
Council Post: The Pandemic Has Permanently Changed The Job Market — Here's How To Stand Out In 2021
Got retirement? Create a strategy for your future.
EFS4U.COM
An Inside Look at Retirement Living
Finding the proper #insurance for your #condo means knowing what is covered by the association’s insurance.
EFS4U.COM
A Brief Guide To Condo Insurance
Are you prepared for unexpected things to occur during retirement?
EFS4U.COM
Don't Risk Your Retirement
How much money do I need to retire? I'd like to hear what you think.
EFS4U.COM
Page Not Found | EFS Group Wealth Management
Thinking of volunteering in retirement? Some considerations. #Volunteering
EFS4U.COM
Volunteering in Retirement
For many Americans, retirement may look different in 2021 than it has in years past. Here are 10 tips to help you refine your retirement planning in the new year!
FORBES.COM
Top 10 Retirement Tips For 2021
When was the last time you updated your will?
EFS4U.COM
Will Power
When giving to charity, some make cash donations. Others want a more sophisticated strategy. #CharitableGiving
EFS4U.COM
Trends in Charitable Giving
Business owners should consider a succession plan sooner rather than later.
EFS4U.COM
Succeeding at Business Succession
Thinking about a new job in the new year? Don’t wait…read these tips on how to stand out! #CareerGoals
FORBES.COM
Council Post: The Pandemic Has Permanently Changed The Job Market — Here's How To Stand Out In 2021
Tax deferral can have a dramatic affect on the growth of an investment. Know what's at stake. #FixedAnnuity
EFS4U.COM
Annuity Comparison
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
EFS4U.COM
What Is a 1035 Exchange?
Test your estate strategy knowledge with this short quiz.
EFS4U.COM
Test Your Estate Strategy Knowledge
Do you have a written financial plan for your retirement?
SOUNDCLOUD.COM
Marc On Money - Written Financial Plan
Thinking of volunteering in retirement? Some considerations. #Volunteering
EFS4U.COM
Volunteering in Retirement
For many Americans, retirement may look different in 2021 than it has in years past. Here are 10 tips to help you refine your retirement planning in the new year!
FORBES.COM
Top 10 Retirement Tips For 2021
Renter? Think you’re covered by the owner’s insurance? Do a double check. #rentersinsurance #renting #insurance
EFS4U.COM
An Overview of Renter’s Insurance
Do you know the risk factors that can lead to cognitive decline? #dementia #alzheimersdisease
EFS4U.COM
Avoiding Cognitive Decline
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
EFS4U.COM
Tax Rules When Selling Your Home
When was the last time you paid yourself first?
EFS4U.COM
Pay Yourself First
Your ideal #retirement may differ from reality, but we can work together to better align the two.
EFS4U.COM
RE: Retirement
Tax deferral can have a dramatic affect on the growth of an investment. Know what's at stake. #FixedAnnuity
EFS4U.COM
Annuity Comparison
