"Securities and investment advisory services offered through Cetera Advisors LLC, Member FINRA / SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity."
Business owners should consider a succession plan sooner rather than later.
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Succeeding at Business Succession
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3j6Zspr
Social host laws may make you responsible for underage drinking in your home, even if you are away.
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Teen Drinking and Your Liability
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
You won’t believe what these taxpayers tried to get away with. #IRS #taxes #funny #humor
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Tax Deductions You Won't Believe
Have a kid heading off to college? Here are a few tips.
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A Cheat Sheet for Sending Your Kid to College
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/33vvyG4
Use your car for business? Make sure you're on the same page as your insurance carrier. #autoinsurance
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When Does Your Personal Car Become a Commercial Vehicle?
The Quarterly Recap summarizes market performance, major events and news from the previous quarter. Read the latest recap here: https://bit.ly/34e8ieV
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 our latest commentary: https://bit.ly/2H1ZYa4
Here are eight mistakes to avoid when #saving #retirement.
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Eight Mistakes That Can Upend Your Retirement
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
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
An ILIT could play a role in your estate strategy.
PHILANTHROPYFINANCIAL.ORG
A Primer on Irrevocable Life Insurance Trusts
Working in Retirement: New trend or same old story?
PHILANTHROPYFINANCIAL.ORG
Where Will Your Retirement Money Come From?
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2FIQ0dx
Developing a retirement strategy? It's critical to know the differences between investment types.
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Traditional vs. Roth IRA
Do your kids have the right stuff for college? #CollegePrep
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Countdown to College
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/31KQZl9
#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
#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
Buying a home may be your largest financial commitment. Which loan is best for your situation?
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Fixed or Variable Mortgage, Which Should You Pick?
This Monthly Recap summarizes market performance, major events and news from October 2020. Read more here: https://bit.ly/384tBD7
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3oQSmIY
Worried about passing your wealth to a troubled adult child?There are strategies that can help.
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When Heirs are Imperfect
Concerned about identity theft? Some things to leave at home. #IdentityTheft
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Please Leave Home Without It
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
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Tax Rules When Selling Your Home
Are your passwords easy to crack or difficult to decipher? Test your knowledge.
PHILANTHROPYFINANCIAL.ORG
Password Protection Strategies
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2JLWlGx
This Monthly Recap summarizes market performance, major events and news from October 2020. Read more here: https://bit.ly/384tBD7
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
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
Many people stop being "and-a-half" around age 12. But at age 50, "and-a-half" makes a comeback. #SocialSecurity
PHILANTHROPYFINANCIAL.ORG
Important Birthdays Over 50
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/38S1ojh
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
Periodic withdrawals in retirement may not be such a good idea.
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Systematic Withdrawals in Retirement
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2UVSAkq
Wondering about your choices for putting aside money for retirement? Learn more about your options. #Annuities
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Immediate vs. Deferred Annuities
Health-care coverage (including Medicare) typically does not cover extended medical care. #Medicare
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Money that Buys Good Health is Never Ill Spent
Where there's a will there's a way. Don't leave your estate unattended—update your documents.
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Critical Estate Documents
This Monthly Recap summarizes market performance, major events and news from November 2020. Read more here: https://bit.ly/3odtlXd
A home is the single largest financial commitment for most people. What mortgage fits you best?
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Choosing a Mortgage
Agent Jane Bond wants you to know about how bonds help diversify a portfolio.
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Jane Bond: Decoding Diversification
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
Secrets of the Temple: How the Federal Reserve works. #FederalReserve
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How the Federal Reserve Works
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2VqqDkF
This Monthly Recap summarizes market performance, major events and news from November 2020. Read more here: https://bit.ly/3odtlXd
Saving for college doesn’t have to be as complicated as college itself.
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Saving for College 101
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
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When Special Care Is Needed: The Special Needs Trust
Many people consider paying off their mortgage in retirement an easy choice. But have you considered some of these often overlooked points?
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Mortgages in Retirement
How confident are you in the strength of your passwords? These days, one’s passwords are almost as important as the keys to your house. Check out these handy, current tips on crafting a secure password.
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The Three Keys to a Great Password
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
U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies
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Personal Finance Tips for Military Families
Saving for college doesn’t have to be as complicated as college itself.
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Saving for College 101
Are your investment decisions based on rational analysis or are they driven by emotion? #SmartInvesting
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What Smart Investors Know
Choices, choices, choices. Make sure you know the benefits and limitations before committing your money. #ETF
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Mutual Funds vs. ETFs
Your financial future is calling. Develop a strategy for your investments today.
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The Cost of Procrastination
How confident are you in the strength of your passwords? These days, one’s passwords are almost as important as the keys to your house. Check out these handy, current tips on crafting a secure password.
PHILANTHROPYFINANCIAL.ORG
The Three Keys to a Great Password
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
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
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
Are your investment decisions based on rational analysis or are they driven by emotion? #SmartInvesting
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What Smart Investors Know
Choices, choices, choices. Make sure you know the benefits and limitations before committing your money. #ETF
PHILANTHROPYFINANCIAL.ORG
Mutual Funds vs. ETFs
Your financial future is calling. Develop a strategy for your investments today.
PHILANTHROPYFINANCIAL.ORG
The Cost of Procrastination
This Quarterly Recap summarizes market performance, major events and news from Q4 2020. Read more here: https://bit.ly/355Mbs3
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2X9yVOX
When was the last time you paid yourself first?
PHILANTHROPYFINANCIAL.ORG
Pay Yourself First
#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
This Quarterly Recap summarizes market performance, major events and news from Q4 2020. Read more here: https://bit.ly/355Mbs3
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2Lm0uCl
An ILIT could play a role in your estate strategy.
PHILANTHROPYFINANCIAL.ORG
A Primer on Irrevocable Life Insurance Trusts
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
PHILANTHROPYFINANCIAL.ORG
Monthly Market Insights | January 2021
Social Security has been a fact of retirement life since 1935. Are you eligible for benefits?
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9 Facts About Social Security
Before retiring early, take a look at the cold, hard facts. #retiringearly #retirement
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How to Retire Early
When was the last time you updated your will?
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Will Power
Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.
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A House Divided
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2Lm0uCl
Many people stop being "and-a-half" around age 12. But at age 50, "and-a-half" makes a comeback. #SocialSecurity
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Important Birthdays Over 50
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
$100 not spent is more like $143. Intrigued? #taxes #saving
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Stop Wasting Money
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2M6srOm
Before retiring early, take a look at the cold, hard facts. #retiringearly #retirement
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How to Retire Early
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
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
Retirement may change your perception of investment risk.
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Your Changing Definition of Risk in Retirement
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/39eTXCu
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
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
There are ways to protect your business in the event of your death or the death of a partner.
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Insuring Your Business With a Buy/Sell Agreement
This Monthly Recap summarizes market performance, major events and news from January 2021. Read more here: https://bit.ly/3cu7A2H
There are benefits and limitations when using a living trust. #LivingTrust
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A Living Trust Primer
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
Retiring? Remaining flexible may help you meet the challenges of uncertainty.
PHILANTHROPYFINANCIAL.ORG
Certain Uncertainties in Retirement
RMDs are back. What's your strategy? Read more here: http://bit.ly/retirewise-feb21
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3q67hz2
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3cxgRHy
This Monthly Recap summarizes market performance, major events and news from January 2021. Read more here: https://bit.ly/3cu7A2H
Business owners should consider a succession plan sooner rather than later.
PHILANTHROPYFINANCIAL.ORG
Succeeding at Business Succession
Creating a home inventory can help you fully recover any property losses you incur. Include these four things.
PHILANTHROPYFINANCIAL.ORG
Inventorying Your Possessions
Retiring? Remaining flexible may help you meet the challenges of uncertainty.
PHILANTHROPYFINANCIAL.ORG
Certain Uncertainties in Retirement
RMDs are back. What's your strategy? Read more here: http://bit.ly/retirewise-feb21
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3q67hz2
Chris Rock once remarked, “You don’t pay taxes – they take taxes.” That applies not only to income, but also to capital gains.
PHILANTHROPYFINANCIAL.ORG
A Taxing Story: Capital Gains and Losses
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/37nlPmN
Is the economy primed for a recovery? Find out in the latest commentary from @CeteraIM. Read more: https://bit.ly/3qDFUfY
Is the economy primed for a recovery? Find out in the latest commentary from @CeteraIM. Read more: https://bit.ly/3qDFUfY
Learn the language of life insurance.
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Term vs. Permanent Life Insurance
When giving to charity, some make cash donations. Others want a more sophisticated strategy. #CharitableGiving
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Trends in Charitable Giving
If you died, what would happen to your email archives, social
profiles, and online accounts?
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Safeguard Your Digital Estate
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
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/2NL5gKu
Chris Rock once remarked, “You don’t pay taxes – they take taxes.” That applies not only to income, but also to capital gains.
PHILANTHROPYFINANCIAL.ORG
A Taxing Story: Capital Gains and Losses
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
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Monthly Market Insights | March 2021
Property taxes too high? Here are ways to potentially lower your assessment. #homeowner #propertytax
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How to Appeal Your Property Taxes
When was the last time you paid yourself first?
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Pay Yourself First
This Monthly Recap summarizes market performance, major events and news from February 2021. Read more here: https://bit.ly/3bTglkT
Many have heard they should avoid probate; do you understand what probate is and how it works?
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Problems with Probate
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3t1RSB6
$100 not spent is more like $143. Intrigued? #taxes #saving
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Stop Wasting Money
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
Saving for college doesn’t have to be as complicated as college itself.
PHILANTHROPYFINANCIAL.ORG
Saving for College 101
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
Being healthy may help your personal finances.
PHILANTHROPYFINANCIAL.ORG
Putting a Price Tag On Your Health
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3cyaq5o
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
When considering a record keeping system for your business, you need to ask yourself some very important questions
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Keeping Good Records is Good Business
Read the latest weekly market update from Cetera Investment Management: https://bit.ly/3t1RSB6
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
Do you know how long it may take for your investments to double in value?
PHILANTHROPYFINANCIAL.ORG
The Rule of 72
Medicare doesn’t cover all the health-care expenses you may experience. Enter Medigap.
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Understanding the Basics of Medigap Policies
How will you avoid these 5 common retirement planning pitfalls? Read more: http://bit.ly/financialwatch-mar21
Being healthy may help your personal finances.
PHILANTHROPYFINANCIAL.ORG
Putting a Price Tag On Your Health