Heading into the fourth quarter, it's a sensitive time for the markets as we navigate a recession, hopes for a COVID-19 vaccine & the presidential election. All things considered, we're feeling optimistic about the economic recovery & overall direction of the markets.
https://cnb.cx/302qgj9
Politics aside, a true mark of leadership is when two opponents can meet beyond their differences and discover common ground. This is a great quote from the article:
"In this very dangerous time in our deeply polarized country, where people are increasingly distrustful and even disdainful of those who do not share their political views, Ginsburg’s instinctual determination to respect and engage with people on the “other side” is perhaps her most important lesson for us all."
USATODAY.COM
Opera, travel, food, law: The unlikely friendship of Ruth Bader Ginsburg and Antonin Scalia
Our very own Jaime Anderson is celebrating her 21st Anniversary with Ameriprise Financial Advisors. Having started out working in the Financial Planning department for other advisors back when it was American Express Financial Advisors, she is now providing advice to the clients of Harmony Financial Advisory Group. Join us in congratulating her for this milestone!
Be honest - which #'s are you?
Happy Anniversary Moira Montgomery! Moira has been with Ameriprise for 18 years today and her experience shines through in her excellent client service. Harmony Financial Advisory Group appreciates all you do!
2020 has been quite a ride, forcing many of us to go beyond our comfort zones and grow as leaders. Would you agree with the two-thirds of Americans that believe they're better people after all?
NEWS.YAHOO.COM
Two-Thirds of Americans Think Coronavirus Self-Isolation Made Them a Better Person, Study Finds
Please join us on Wednesday, October 14th at 12:00 pm Central time for an informative market update prior to the election. RSVP for dial in information.
October is National Cyber Security Awareness Month. This month and every month, it’s important to be alert and aware of threats to your investments and personal information.
AMERIPRISE.COM
5 types of fraud to watch out for
Don't leave money on the table! Year-end is a critical time for your financial & tax planning.
It’s a challenging market for homebuyers, but this guide can help you navigate the homebuying process.
AMERIPRISE.COM
5 financials steps for home buyers
If your asset allocation is operating under the traditional "60/40" model, 60% stocks & 40% bonds, it may be time for a second opinion. Let us help you navigate the "new normal" of the markets - uncertainty!
KIPLINGER.COM
Does a 40% Bond Allocation Make Sense in Today’s Portfolios? | Kiplinger
Together, we can track your progress and update your strategies as circumstances change. Let's work to keep you moving toward your goals, in any market conditions.
This is an amazing opportunity to feed those who are struggling with hunger! Participating in this challenge may also lower your tax bill. For more information click here:
https://bit.ly/3lnC33W
If you haven't already, Please RSVP for call in information for our Special Election & Market Update Call - tomorrow, October 14th at 12:00 pm Central Time. You won't want to miss it!
It's National Savings Day. Where can you improve or take immediate action? Feel free to reach out if you'd like guidance!
Regularly rebalancing your long-term investments can help keep your risk tolerance and asset allocation aligned and keep you on track to your goals.
FAFSA will be in high demand with a limited supply. The pandemic has thrown a wrench into a lot of families college plans. Act now!
CNBC.COM
The FAFSA opens Oct 1—and it's more important than ever to complete it ASAP
The election and the COVID-19 pandemic combined are creating a sense of unrest and uncertainty. During these challenging times, it's important to take care of our mental and emotional health. Here are 5 ways on how to cope with election anxiety...
If different healthcare options have been on your mind this year, it's time to make your move! Every year you should take time to assess your options and 2020 is no different. Whether you participate in Medicare, job-based health insurance, individual market health insurance, or qualify for a special enrollment period -- we're here to help!
VERYWELLHEALTH.COM
What You Need to Know About Open Enrollment
First performance of the season for the Marching Band, Drill Team & Cheerleaders!
From the classic piggy bank to dedicated savings accounts, here are some tips for teaching your kids or grandkids the value of a dollar.
TIME.COM
Why Parents Should Start Small When Teaching Their Kids About Saving
It all begins with having the courage to reflect on where you're standing right now and being able to push through your own obstacles to keep climbing to the top!
Remember that YOU get to choose to think positively or negatively today. You're in control of your thoughts, your mood, and your actions. Make it great!
Moira's son Brayden is taking on some new responsibilities!
Could the market crash after the election? Maybe. Can the market crash in any given moment? Yes.
We can never predict where the markets are heading with absolute certainty. The good news is that history shows that even the worst of crashes ultimately recover. And as long as you're investing for the long term, it won't necessarily matter what happens in the next few months or years.
Of course, we are here to help you feel confident during uncertain times. Please reach out if you feel the need!
FORBES.COM
Why You Shouldn’t Fear For Your Retirement Come This Election Day
Wishing you all a spooky weekend, stay safe!
Life is tough! But the good news is that you have the power to choose your path. Pick wisely!
Time flies! Today is Cyndi's 1st anniversary with Harmony Financial Advisory Group. Please help us congratulate her!
We are forever grateful for your courage and dedication in protecting our nation. Happy Veterans Day!
With just two months left in 2020, the IRS has released the new tax brackets for 2021. Adjusted for inflation, next year's tax rates will jump about 1%.
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Charitable tax deductions, penalty-free early IRA withdrawals, remote care coverage and other CARES Act benefits to consider before year's end.
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Learn how we can help you achieve your financial goals, today and tomorrow. Reach out today to schedule your complimentary initial consultation.
With socially responsible investing, you can make a positive impact with your dollars. Let’s discuss if ESG investing is right for you and options that support your long-term goals.
https://cnb.cx/2IvplBJ
They say you are the average of the five people you spend the most time with. Who's in your inner circle?
Medicare open enrollment runs from Oct. 15 to Dec. 7. These tips can help you choose your coverage and get the most out of open enrollment.
https://bit.ly/32yp6x4
We often take what we have for granted! But it only takes a shift in perspective to make us appreciate what we have.
In a new Ameriprise videocast, experts share insights on economic drivers, the stock market, policy implications and year-end tax considerations.
AMERIPRISE.COM
Video: Insights for election and COVID-19 conditions
Count your blessings and have a wonderful Thanksgiving!
With three major shopping holidays happening this weekend, we'd like to remind you that this year small businesses are struggling. Choosing to shop local goes a long way, especially during these times!
Reduce your expenses, focus on your total portfolio, and other tips for boosting retirement income in the era of low interest rates.
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Wondering what to do with a 401(k) from a former employer? Together, we can assess your options and determine the best plan of action for you and your goals.
https://cnb.cx/396D2Cq
We're hoping everyone got to enjoy some time with family & friends over the holiday weekend - either in person or virtually. There is nothing better than some outdoor activity!
Donating to a favorite charity this holiday season? Even if you take the standard deduction on your taxes, for just this year you can deduct up to an additional $300 in donations.
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This holiday season – like much of this year – is more complex, even financially. How will your holiday shopping be different this year?
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It can be a tough balance to strike – providing for your children while also assisting in their journey to financial independence. Here are some tips on helping them navigate their road to self-sufficiency.
KIPLINGER.COM
How to Not Financially Paralyze Your Children | Kiplinger
It’s not too late to save on your 2020 taxes. We can join a conversation with your tax professional to discuss strategies to help lower your tax bill.
https://bit.ly/2LpMOG8
Which of these skills are your strengths? Which ones could you improve on? Mastery will bring a lifetime of positive outcomes!
May your Hanukkah be filled with peace, joy and light.
Accepting yourself is more important than any validation you can receive from anyone.
Family time is valuable! Don't let the current situation create distance from the people you love. Here are some fun ways to stay connected through modern technology.
May your home be filled with love, peace & joy.
Local non-profits are doing their part to help our neighbors this holiday season. Let’s show them what we can do when we work together. Ask us how. #strongertogether
Family money talks can be tough but rewarding. Ask us how we can help facilitate financial discussions with your family.
http://bit.ly/3r80cyU
Giving back can be rewarding. We can help you create a charitable giving plan that reflects your values and takes tax considerations into account.
http://bit.ly/2K4OPap
Wishing you happiness and success in the year to come!
How are you living in the moment?
Communication within families goes a long way helping prevent financial concerns. For your will or estate, sharing your plan – even at a high level – with your family can prevent future conflict.
http://cnb.cx/3gQacZ0
Have you started creating your goals for 2021 yet?
What are your financial goals for 2021? Together, we can work towards achieving your priorities for this year and beyond.
Based on stabilizing market and economic conditions and favorable monetary and fiscal policies, combined with broadly available vaccines, #AmeripriseResearch believes the opportunity for outsized growth this year is real.
https://bit.ly/2MdnyDq
How are you starting the New Year?
Wishing you happiness and success in the year to come!
How are you living in the moment?
Communication within families goes a long way helping prevent financial concerns. For your will or estate, sharing your plan – even at a high level – with your family can prevent future conflict.
http://cnb.cx/3gQacZ0
We can help you understand your progress toward your goals with a free 30-minute phone consultation.
Happy Birthday Stew! We all wish you a year filled with good health, love, happiness & celebrations with family and friends!
Review these steps to learn how you can prepare prior to a job loss and what to do after losing a job. We’re here to help.
http://bit.ly/2KXqJ1l
Based on stabilizing market and economic conditions and favorable monetary and fiscal policies, combined with broadly available vaccines, #AmeripriseResearch believes the opportunity for outsized growth this year is real.
https://bit.ly/2MdnyDq
Please RSVP for call in information for tomorrow's Market Outlook call - our first of the year and you won't want to miss it!
Love > Hate. Happy MLK day!
When was the last time you did something that made you truly happy? Your mental health and emotional well-being matter.
How does divorce after a lengthy marriage impact your investment strategies and long-term planning? Having a plan in place throughout the process is key to keeping your finances on track when your marriage ends.
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2020 brought many ups and downs. Have your financial goals changed? Let's review and update them to keep you on track in 2021.
We can help you understand your progress toward your goals with a free 30-minute phone consultation.
It's incredible what we can do when we do it together. #helpyourneighbor
Happy Anniversary to a very special member of our Team! Today marks 3 years since we welcomed Becky to Harmony Financial Advisory Group!
Self-sabotage is real. Don't be a victim.
With the latest COVID-19 relief bill, Congress extended numerous tax breaks for individual taxpayers. We can consult with you and your tax professional to evaluate your situation.
http://cnb.cx/2K58sz1
Please RSVP for call in information for tomorrow's Market Outlook call - our first of the year and you won't want to miss it!
When we go from believing to knowing, we eliminate all possibilities for doubt.
Get the personalized advice you need to envision and build a confident financial future.
How will the latest stimulus package and pace of vaccine distribution impact the markets? Ameriprise Chief Market Strategist David Joy shares his insights.
http://bit.ly/3nY2dv1
The way you start your morning sets the tone for the day. Make it good!
Happy Birthday Moira! Wishing you a day filled with all that you love and a year filled with happiness. May all of your wishes come true!
COVID-19 has forced us to adapt in all aspects of life, including our financial lives. Before you make any money moves, let’s connect and review your situation.
http://bit.ly/3sWMAr8
Stress comes from the need to control everything. It's good to stay open to the possibilities!
It’s appropriate that National Time Management Month is the shortest month of the year. This February, let’s find time to talk.
Required minimum distributions from retirement accounts were waived for 2020 but resume in 2021. Let’s connect on the best RMD strategy for your situation.
http://bit.ly/3a2jf64
When we go from believing to knowing, we eliminate all possibilities for doubt.
Check it out!
http://bit.ly/3tjiQFm
Considering a 401(k) to IRA rollover? Together, we can assess your options and determine the best plan of action for you and your goals.
http://cnb.cx/3cIWZ4k
Do you want to be happy? Start with gratitude. Being thankful for everything in your life, both big and small, is the key to unlocking abundance.
Happy Birthday Moira! Wishing you a day filled with all that you love and a year filled with happiness. May all of your wishes come true!
COVID-19 has forced us to adapt in all aspects of life, including our financial lives. Before you make any money moves, let’s connect and review your situation.
http://bit.ly/3sWMAr8
Stress comes from the need to control everything. It's good to stay open to the possibilities!
Take the load off!
There may still be time to lower your 2020 tax bill. Below are several ideas to discuss with your Ameriprise financial advisor and tax professional. #TaxTime
http://bit.ly/2LF8Jth
Today is a good day to set aside our differences and remember, we're all Americans.
We hope you enjoy today with your loved ones!
Even the most successful professionals benefit from professional financial advice. Let’s talk.
Check it out!
http://bit.ly/3tjiQFm
You work hard to save for retirement. A diversified tax strategy with IRAs can help your assets last longer. #TaxTime
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Education and awareness is powerful. #BHM
While kids can learn many beneficial financial lessons from their parents, they can also absorb negative ones. Consider these common family money mistakes and how to avoid them.
http://bit.ly/2N4NdP4
Take the load off!
There may still be time to lower your 2020 tax bill. Below are several ideas to discuss with your Ameriprise financial advisor and tax professional. #TaxTime
http://bit.ly/2LF8Jth
An emergency fund can cover expenses you don’t plan for. Let’s work together and determine how much money you should set aside. #AmericaSavesWeek
Trust and keep moving forward!
To start increasing your savings, review what you’re currently spending and consider options for cutting back. #AmericaSavesWeek
July 1, 2023 will be a big day for college students and their parents. It’s the day many new financial aid rules go into effect that may reduce college aid for some families. We’re here to help you evaluate your options.
http://bit.ly/2ZfEXP9
Many employers will match a certain amount of what you save in a retirement plan. If you don’t maximize the match, you're leaving money on the table. #AmericaSavesWeek
Things can change in a moment, are you living for today?
http://bit.ly/3poV6MD
Balance is key!
We're so grateful for our team! We wouldn't be where we are today without them.
The CARES Act waived RMDs in 2020 but they’re reinstated for 2021. We can review your RMDs to help you avoid a big tax penalty. #TaxTime
http://bit.ly/3srHWk1
Leaders make a positive impact on everyone around them.
If you’d like your finances to reflect your passions or causes -- racial equality, sustainability, animal welfare or others -- here are 5 ways to be a socially conscious consumer and financial activist.
http://bit.ly/3jP6pwA
Think long-term.
A tale of rallying the little investor, selling borrowed stock and the impact it had on the market. What is selling short, what happened in January, and what does it mean going forward? #AmeripriseResearch
https://bit.ly/3kA6rc6
Some of the greatest rewards and lessons come from leaning into our fears.
Does working from home because of the pandemic mean you can get a tax deduction? It depends on your employment status. #TaxTime
http://bit.ly/2PfCpi3
Celebrate, appreciate and honor the women in your life.
Balance is key!
We're so grateful for our team! We wouldn't be where we are today without them.
Don’t let taxes diminish retirement savings more than necessary. There are benefits to diversifying tax treatments now, across accounts. #TaxTime
http://bit.ly/38uCXau
Today is Freedom of Information Day, which also happens to be James Madison's birthday. The former president was an advocate for transparency between a government and its citizens. Let's honor our Founding Fathers' idea of a more informed, engaged society.
Together, we can work to envision your ideal financial future – and build it.
A tale of rallying the little investor, selling borrowed stock and the impact it had on the market. What is selling short, what happened in January, and what does it mean going forward? #AmeripriseResearch
https://bit.ly/3kA6rc6
Some of the greatest rewards and lessons come from leaning into our fears.
Does working from home because of the pandemic mean you can get a tax deduction? It depends on your employment status. #TaxTime
http://bit.ly/2PfCpi3
We are proud to announce Jaime Anderson has been named to the Ameriprise Financial Circle of Success – a distinction reserved for the firm’s top advisors. This recognition reflects Jaime Anderson’s deep commitment to serving her clients. Join us in congratulating Jaime!
AMERIPRISEADVISORS.COM
Financial Advisor Jaime Anderson in Richardson, TX | Harmony Financial Advisory Group
At the end of the day, it's not about being the smartest person in the room.
Sustainable funds accounted for about a fourth of the money that flowed into all U.S. stock and bond mutual funds last year, according to Morningstar. If you’re interested in adding environmental, social, or governance investments to your portfolio, let’s discuss.
http://cnb.cx/39213tR
Take a step back and look at the bigger picture.
Don’t let taxes diminish retirement savings more than necessary. There are benefits to diversifying tax treatments now, across accounts. #TaxTime
http://bit.ly/38uCXau
Today is Freedom of Information Day, which also happens to be James Madison's birthday. The former president was an advocate for transparency between a government and its citizens. Let's honor our Founding Fathers' idea of a more informed, engaged society.
