Does your business have a retirement strategy that fits your short, long-term needs?
HEALDFINANCIAL.COM
Choosing a Retirement Plan that Fits Your Business
Take the time to think about these three things when shopping for your next vehicle.
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Consider These 3 Things Before Driving Off the Lot
Rebalancing = restoring a portfolio to its original risk profile. Are you feeling a little off balance? #Rebalance
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Rebalancing Your Portfolio
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?
When you chase the market, it’s easy to fall behind. Develop a sound investment strategy.
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Events on Wall Street
Tax time can be a good time to give your household budget a checkup.
HEALDFINANCIAL.COM
Budget Check Up: Tax Time Is the Right Time
The CPI has shown low inflation since '09. Are your prices rising faster than the average? #Inflation
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Inflation & Your Money
Worried about passing your wealth to a troubled adult child?There are strategies that can help.
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When Heirs are Imperfect
You've allocated your assets; you just may not realize it yet. #AssetAllocation
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Asset Allocation
Are you overpaying your #taxes? Here’s six overlooked #tax #deductions.
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Six Most Overlooked Tax Deductions
The average college senior graduates with credit card debt. How will your kids manage money?
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Do Your Kids Know The Value of a Silver Spoon?
Are you ready for school—again?
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Estimating the Cost of College
Business owners should consider a succession plan sooner rather than later.
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Succeeding at Business Succession
Value or growth investing? Each has strengths and both may be appropriate for your portfolio.
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Value vs. Growth Investing
If you haven't heard there is an election in one week :)
Historically market signals have done well at predicting the winner.
What is the market saying now?
Read more by following the link:
https://www.lpl.com/news-media/research-insights/weekly-market-commentary/election-2020-are-the-polls-wrong-again.html?utm_medium=organic-social&utm_source=linkedin&utm_campaign=campaign&utm_content=content&utm_term=date&utm_type=corp-comm&utm_postid=ace70323-3b6e-4dec-b23f-65ec1e9da4b9
LPL.COM
Are the Polls Wrong Again?
Do you have concerns about the market?
Unsure if you are on the right track?
Feel free to reach out with any questions (no charge for questions)!
We are here to help guide you.
dloughlin@healdfinancial.com
What charitable organizations do you support? Have you considered strategies other than writing checks?
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Trends in Charitable Giving
Building a personal #legacy may be the highest order of altruism. It can begin with four simple steps.
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Building Your Legacy
Happy Thanksgiving!!! 🍗🦃
Do you know how the SECURE Act will affect your retirement strategy? Watch now for a quick overview.
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Understanding the SECURE Act
''The good news is retail sales has hit a new high for five consecutive months, and the economy has never been in a recession after three consecutive new highs—yet another sign the recession may be over, even if it hasn’t been called officially.''
https://lplresearch.com/2020/11/18/5-noteworthy-charts-to-watch-as-stocks-soar/?utm_medium=organic-social&utm_source=linkedin&utm_campaign=campaign&utm_content=content&utm_term=date&utm_type=corp-comm&utm_postid=6a67ddd2-e1c2-44ba-b40d-8b13d723750a
LPLRESEARCH.COM
5 Noteworthy Charts To Watch As Stocks Soar
Very promising!
Remember the market is forward looking and we have 2 vaccines getting closer to the finish line each day.
https://www.google.com/amp/s/www.bloomberg.com/amp/news/articles/2020-11-16/moderna-vaccine-is-found-highly-effective-at-preventing-covid-19
BLOOMBERG.COM
Moderna Vaccine Found Highly Effective at Preventing Covid
On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note.401(k)sThe salary deferral...
HEALDFINANCIAL.COM
2021 Limits for IRAs, 401(k)s and More
Did you know you can trade in an annuity or a life insurance policy without triggering a tax bill?
HEALDFINANCIAL.COM
What Is a 1035 Exchange?
Taxes!
Did you owe money this year or get more back than you expected?
Great calculator from the IRS to show how different withholdings change your paycheck.
#taxes
https://www.irs.gov/individuals/tax-withholding-estimator
IRS.GOV
Tax Withholding Estimator | Internal Revenue Service
Tax scams to watch out for:
https://www.irs.gov/newsroom/irs-unveils-dirty-dozen-list-of-tax-scams-for-2020-americans-urged-to-be-vigilant-to-these-threats-during-the-pandemic-and-its-aftermath
IRS.GOV
IRS unveils "Dirty Dozen" list of tax scams for 2020; Americans urged to be vigilant to these threats during the pandemic and its aftermath | Internal Revenue Service
Does the stock market care who wins the #superbowl?
Historically the market does better when the NFC wins but as of late does it has been doing well when the AFC wins.
Who are you rooting for?
https://lplresearch.com/2021/02/03/should-investors-root-for-tom-brady-or-patrick-mahomes/
LPLRESEARCH.COM
Should Investors Root For Tom Brady Or Patrick Mahomes?
Do you have an #fsa account through your employer?
3 things typically happen at the end of the year with fsa accounts:
1. Use it or lose it.
2. Carry over $500 ($550 in 2021).
3. Or use prior year benefits until March 15th.
It is usually number 2 or 3 but it cannot be both.
Due to COVID and people having unused balances, Congress passed a few changes in 2020:
-Your employer can file a plan amendment so you can rollover unused balances to the next plan year.
-Dependent care can be used on someone who has not turned 14 yet.
-Can now use for otc drugs without a prescription.
Don't let your hard earned money go to waste!
More below 👇
Wondering what is going on with Gamestop?
https://lplresearch.com/2021/01/29/about-gamestop-daily-market-update/
LPLRESEARCH.COM
About GameStop | Daily Market Update
From 1927 to 2017 the S&P500 has produced positive calendar year returns 74% of the time while it has only been negative 26% of the time.
Why do most websites, magazines/newspapers, & TV pundits focus on the 26%? 📰📺
Simple explanation is fear gets clicks and viewers because humans have a natural 'loss aversion' 📉
Loss aversion is the feeling or perception that a loss is twice as bad as the feeling of potential gains.
How do we change this?
Focus on your individual situation/goals, have a plan in place and understand the effect losses will have on YOUR desired outcome.
Chart 👇
#cfp #nj #financialplanning
