Autumn has arrived, with students back in school, baseball playoffs beginning, and football in full swing. Life is trying to get back to as normal as possible despite the ongoing impact from COVID-19. While the number of new daily cases and hospitalizations from COVID-19 has steadied in the United States, cases in Western Europe are increasing again...
#covid #covid19 #covid19economy #economicrecovery #economicgrowth #recovery #reopening #vaccine #techbubble #election2020
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Signs of Strength in the Economy
Surprises crop up every day, and they’re a great reason to work with us.
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Surprises
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
Take an inside look into Simplified Employee Pension plans.
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Is a SEP-IRA Right for Your Business?
Check out this video on taxes. #IncomeTax
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The Facts About Income Tax
Concerned about identity theft? Some things to leave at home. #IdentityTheft
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Please Leave Home Without It
Three tips for giving smart from the heart.
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Charitable Giving: Smart from the Heart
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
The truth is a little more complicated with these personal finance idioms.
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The Latte Lie and Other Myths
Do your kids have the right stuff for college? #CollegePrep
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Countdown to College
Have a strategy for discussing healthcare with your parents. #AgingParents
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Caring for Aging Parents
Are you overpaying your #taxes? Here’s six overlooked #tax #deductions.
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Six Most Overlooked Tax Deductions
Bedtime Story: U.S. Federal Tax Code. How many pages have you read?
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Understanding Marginal Income Tax Brackets
We all want to know, “What’s next for the financial markets?” But no one knows for sure.
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Where Is the Market Headed?
For a small business, the loss of a key person could cause financial hardship.
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Protecting Your Business from the Loss of a Key Person
Test your estate strategy knowledge with this short quiz.
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Test Your Estate Strategy Knowledge
An ILIT could play a role in your estate strategy.
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A Primer on Irrevocable Life Insurance Trusts
10 tips that can head-off marriage money problems.
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Prevent a Rift: Money Tips for Newlyweds
Here are 4 unexpected locations that make great places to #raise your #family.
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Four Great, Unexpected Places to Raise a Family
Increase #worker #productivity and motivate your #employees with these five simple and inexpensive ideas.
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Creative Ways to Motivate Your Employees
Your #creditscore may impact what you pay for auto and home #insurance.
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Does Your Credit Score Affect Your Insurance Rates?
How much do you know about stocks?
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How Stocks Work
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
Rebalancing = restoring a portfolio to its original risk profile. Are you feeling a little off balance? #Rebalance
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Rebalancing Your Portfolio
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
Does your business have a retirement strategy that fits your short, long-term needs?
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Choosing a Retirement Plan that Fits Your Business
The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but it usually moves so quickly it barely gets noticed. This year it will take longer...
#election2020 #covid19 #economicrecovery #covid19economy #leadership #recovery #elections
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Election 2020 Is Undecided
Ask yourself hard questions: Do I know enough about estate management? Will my family be ready?
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Estate Management Checklist
The beans brewed for your morning coffee may have changed hands many times #MorningCoffee
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The Economic Journey of Your Morning Coffee
Trying to decide whether to buy or rent a home? There are 4 important questions you should consider.
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To Buy or Not to Buy
Agent Jane Bond wants you to know about how bonds help diversify a portfolio.
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Jane Bond: Decoding Diversification
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
Do you know how long it may take for your investments to double in value?
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The Rule of 72
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
Saving for college doesn’t have to be as complicated as college itself.
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Saving for College 101
More than most years, it’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where passions ran high, the impact of lockdowns—it was an unusual year of extraordinary challenges.
In 2021 it’s time to restart the engines, but things are going to look different, feel different. 2020 has changed us, the way we do business, the way we connect. It’s also shown us our constants, what works for us, and what we hold on to.
In 2021 we restart the engine, but we’re not driving toward the same world we left behind in 2019...
#investing #COVID19 #forecast #outlook2021 #financialplanning #recovery #recession
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Outlook 2021 - Powering Forward
Medicare and Medicaid are two terms that seem interchangeable, but aren’t. Learn more here:
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Medicare vs. Medicaid
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
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Monthly Market Insights | December 2020
M0 is the total of all physical currency worldwide. What’s it look like?
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How Big is Money?
Are your passwords easy to crack or difficult to decipher? Test your knowledge.
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Password Protection Strategies
Three tips for giving smart from the heart.
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Charitable Giving: Smart from the Heart
Do you know the ins and outs of charitable giving? It's more complicated than you may think. Learn more now.
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Year-End Charitable Gifting and You
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
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What If You Get Audited?
$100 not spent is more like $143. Intrigued? #taxes #saving
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Stop Wasting Money
There are many factors to consider before tapping retirement money to pay for college.
MYF.MG
myf.mg
Over age 50? You may be able to catch-up on retirement.
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Catch-Up Contributions
Is there a role for both active and passive investments in your portfolio?
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The Great Debate Continues: Active vs. Passive
How will your investments weather the ups and downs of the business cycle?
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The Business Cycle
The average #retirement lasts for 18 years. Are you prepared to fill that many days?
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18 Years’ Worth of Days
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
Childhood attitudes and habits can determine your child's health in his or her adult years.
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Raising Healthy Children
A home is the single largest financial commitment for most people. What mortgage fits you best?
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Choosing a Mortgage
What should you look for in a personal finance app?
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What to Look for in Personal Finance Apps
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
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Monthly Market Insights | January 2021
How much do you know about stocks?
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How Stocks Work
Happy New Year!
A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a significant threat. Healthcare workers continue to perform heroically, while the rest of us must continue to make sacrifices until vaccines are widely distributed.
#COVID19 #recession2020 #recovery #expansion #vaccine #epidemic
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2021 Brings a Fresh Start
Childhood attitudes and habits can determine your child's health in his or her adult years.
PERENNIALFINANCIALSERVICES.COM
Raising Healthy Children
Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:
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The Basics of Medicare
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
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Put It in a Letter
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?
What should you look for in a personal finance app?
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What to Look for in Personal Finance Apps
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
PERENNIALFINANCIALSERVICES.COM
Monthly Market Insights | January 2021
How much do you know about stocks?
PERENNIALFINANCIALSERVICES.COM
How Stocks Work
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.
PERENNIALFINANCIALSERVICES.COM
Estate Management 101
Protect yourself from identity theft. #IdentityTheft
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To Catch a Thief
Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:
PERENNIALFINANCIALSERVICES.COM
The Basics of Medicare
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
PERENNIALFINANCIALSERVICES.COM
Put It in a Letter
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.
PERENNIALFINANCIALSERVICES.COM
Do You Owe The AMT?
What should you look for in a personal finance app?
PERENNIALFINANCIALSERVICES.COM
What to Look for in Personal Finance Apps
Thinking about a prepaid debit card? Consider the pros and cons. #debitcard
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Weighing the Benefits of Prepaid Debit Cards
A #homewarranty may make sense, but you need to set proper expectations.
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Making Sense Of A Home Warranty
Here are eight mistakes to avoid when #saving #retirement.
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Eight Mistakes That Can Upend Your Retirement
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.
PERENNIALFINANCIALSERVICES.COM
Estate Management 101
Protect yourself from identity theft. #IdentityTheft
PERENNIALFINANCIALSERVICES.COM
To Catch a Thief
Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:
PERENNIALFINANCIALSERVICES.COM
The Basics of Medicare
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
We're excited to welcome the latest addition to the Perennial Financial team, our new Chief Technology Officer, Kenji Martinez!
As the CTO of Perennial Financial Services, Kenji is strategically updating, migrating to and developing new technologies to streamline the efficiencies of Perennial’s advisors and staff*. While updating infrastructure and line of business applications, Kenji is ensuring alignment with FINRA, PCI and CPRA compliance. The unforeseen changes of 2020 and its call for robust remote work solutions and effective cybersecurity strategy are his top priorities as the CTO to keep business continuity.
*Kenji Martinez and Oversight IT Consulting, LLC provide services directly to Perennial Financial Services and Perennial Investment Advisors staff and advisors. Kenji Martinez and Oversight IT Consulting, LLC are not affiliated with or endorsed by LPL Financial.
“In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.” Warren Buffett.
2021 is under way, as our nation and the rest of the world look to begin to put the global pandemic behind us...
#vaccine #reopen #covid19 #covid19economy #investing #stockmarket #recovery #recession #volatility
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Stay the Course
Do you know what all those emojis you keep seeing in your text messages mean? Here’s a handy guide.
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Mastering Mobile Lingo
Does the 4% rule still work? The answer lies in your goals, time horizon and risk tolerance.
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Retiring the 4% Rule
Thinking about a prepaid debit card? Consider the pros and cons. #debitcard
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Weighing the Benefits of Prepaid Debit Cards
How many credit cards do you have?
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Spotting Credit Trouble
Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?
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Rightsizing for Retirement
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
PERENNIALFINANCIALSERVICES.COM
Monthly Market Insights | February 2021
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
We're excited to welcome the latest addition to the Perennial Financial team, our new Chief Technology Officer, Kenji Martinez!
As the CTO of Perennial Financial Services, Kenji is strategically updating, migrating to and developing new technologies to streamline the efficiencies of Perennial’s advisors and staff*. While updating infrastructure and line of business applications, Kenji is ensuring alignment with FINRA, PCI and CPRA compliance. The unforeseen changes of 2020 and its call for robust remote work solutions and effective cybersecurity strategy are his top priorities as the CTO to keep business continuity.
*Kenji Martinez and Oversight IT Consulting, LLC provide services directly to Perennial Financial Services and Perennial Investment Advisors staff and advisors. Kenji Martinez and Oversight IT Consulting, LLC are not affiliated with or endorsed by LPL Financial.
“In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.” Warren Buffett.
2021 is under way, as our nation and the rest of the world look to begin to put the global pandemic behind us...
#vaccine #reopen #covid19 #covid19economy #investing #stockmarket #recovery #recession #volatility
PERENNIALFINANCIALSERVICES.COM
Stay the Course
Check out this video on taxes. #IncomeTax
PERENNIALFINANCIALSERVICES.COM
The Facts About Income Tax
Three important questions to consider before you start taking #SocialSecurity.
PERENNIALFINANCIALSERVICES.COM
Three Key Questions to Answer Before Taking Social Security
How many credit cards do you have?
PERENNIALFINANCIALSERVICES.COM
Spotting Credit Trouble
Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?
PERENNIALFINANCIALSERVICES.COM
Rightsizing for Retirement
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
PERENNIALFINANCIALSERVICES.COM
Monthly Market Insights | February 2021
When was the last time you checked your credit score? #CreditScore
PERENNIALFINANCIALSERVICES.COM
How Does Your Credit Score Compare?
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
PERENNIALFINANCIALSERVICES.COM
“Dirty Dozen” Tax Scams to Watch For
Where there's a will there's a way. Don't leave your estate unattended—update your documents.
PERENNIALFINANCIALSERVICES.COM
Critical Estate Documents
Congratulations to our Managing Director of Retirement Planning - Brad B. Harris, AIF, for his 14 years of excellence with Perennial Financial Services!
Take an inside look into Simplified Employee Pension plans.
PERENNIALFINANCIALSERVICES.COM
Is a SEP-IRA Right for Your Business?
Check out this video on taxes. #IncomeTax
PERENNIALFINANCIALSERVICES.COM
The Facts About Income Tax
Three important questions to consider before you start taking #SocialSecurity.
PERENNIALFINANCIALSERVICES.COM
Three Key Questions to Answer Before Taking Social Security
Every year since 1947, the U.S. President pens an economics textbook.
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Required Reading: The Economic Report of the President
Considering alternative investments? It’s critical to sort through the complexity. #video
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Alternative Investments - Going Mainstream
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
PERENNIALFINANCIALSERVICES.COM
“Dirty Dozen” Tax Scams to Watch For
Where there's a will there's a way. Don't leave your estate unattended—update your documents.
PERENNIALFINANCIALSERVICES.COM
Critical Estate Documents
Congratulations to our Managing Director of Retirement Planning - Brad B. Harris, AIF, for his 14 years of excellence with Perennial Financial Services!
Take an inside look into Simplified Employee Pension plans.
PERENNIALFINANCIALSERVICES.COM
Is a SEP-IRA Right for Your Business?
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
PERENNIALFINANCIALSERVICES.COM
Monthly Market Insights | March 2021
Benefit. Premium. Policyholder. Learn the language before evaluating your options. #TermLifeInsurance
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Is Term Life Insurance for You?
It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a year ago. It’s difficult to remember what normal looks like at this point.
#reopening #COVID19 #newnormal #recovery #economy #vaccine #recession
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The Return of Normal is Approaching
Do you know how missing the best and worst market days might affect your #portfolio?
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It Was the Best of Times, It Was the Worst of Times
Ben Franklin used compound interest to make big contributions to his two favorite cities.
PERENNIALFINANCIALSERVICES.COM
The Power of Compound Interest
Every year since 1947, the U.S. President pens an economics textbook.
PERENNIALFINANCIALSERVICES.COM
Required Reading: The Economic Report of the President
Even if you’re #young and single, you should still consider #protecting yourself with #insurance.
PERENNIALFINANCIALSERVICES.COM
Insurance Needs Assessment: When You're Young and Single
D&O #insurance can be a risk management tool for small businesses, non-profits and educational institutions.
PERENNIALFINANCIALSERVICES.COM
Directors and Officers Liability Insurance
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
PERENNIALFINANCIALSERVICES.COM
Monthly Market Insights | March 2021
Benefit. Premium. Policyholder. Learn the language before evaluating your options. #TermLifeInsurance
PERENNIALFINANCIALSERVICES.COM
Is Term Life Insurance for You?
It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a year ago. It’s difficult to remember what normal looks like at this point.
#reopening #COVID19 #newnormal #recovery #economy #vaccine #recession
PERENNIALFINANCIALSERVICES.COM
The Return of Normal is Approaching
Do you know how missing the best and worst market days might affect your #portfolio?
PERENNIALFINANCIALSERVICES.COM
It Was the Best of Times, It Was the Worst of Times
There are ways to protect your business in the event of your death or the death of a partner.
PERENNIALFINANCIALSERVICES.COM
Insuring Your Business With a Buy/Sell Agreement
Children with special needs may need ongoing help after their parents are gone.
PERENNIALFINANCIALSERVICES.COM
4 Steps to Protecting a Child with Disabilities
Are you overpaying your #taxes? Here’s five overlooked #tax #deductions.
PERENNIALFINANCIALSERVICES.COM
Five Most Overlooked Tax Deductions
Perennial Financial is honored to announce the addition of our newest team member, James DiCocco!
James joins Perennial with over 30 years of industry experience and a focus on Investment, Retirement Income, Wealth Preservation and Estate Planning Strategies.
#WelcometoPerennial #WelcometoLPL
Even if you’re #young and single, you should still consider #protecting yourself with #insurance.
PERENNIALFINANCIALSERVICES.COM
Insurance Needs Assessment: When You're Young and Single
D&O #insurance can be a risk management tool for small businesses, non-profits and educational institutions.
PERENNIALFINANCIALSERVICES.COM
Directors and Officers Liability Insurance
Protect yourself from identity theft. #IdentityTheft
PERENNIALFINANCIALSERVICES.COM
To Catch a Thief
Choices, choices, choices. Make sure you know the benefits and limitations before committing your money. #ETF
PERENNIALFINANCIALSERVICES.COM
Mutual Funds vs. ETFs
There are ways to protect your business in the event of your death or the death of a partner.
PERENNIALFINANCIALSERVICES.COM
Insuring Your Business With a Buy/Sell Agreement
Children with special needs may need ongoing help after their parents are gone.
PERENNIALFINANCIALSERVICES.COM
4 Steps to Protecting a Child with Disabilities
Are you overpaying your #taxes? Here’s five overlooked #tax #deductions.
PERENNIALFINANCIALSERVICES.COM
Five Most Overlooked Tax Deductions
Perennial Financial is honored to announce the addition of our newest team member, James DiCocco!
James joins Perennial with over 30 years of industry experience and a focus on Investment, Retirement Income, Wealth Preservation and Estate Planning Strategies.
#WelcometoPerennial #WelcometoLPL
