Insights for Your Financial Life

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INSIGHTS FOR YOUR FINANCIAL LIFE

Our integrated wealth planning solutions are designed to strategically coordinate all aspects of your financial life. 

Each month we publish Trust & Investment Update, a helpful newsletter to communicate valuable financial planning, trust, and estate planning information as well as potential legislation that could be consequential to your wealth management planning. 

Current Newsletter


 

Additionally, valuable topic-based articles are found below to help keep you informed about many financial management issues.

Gift Values During a Pandemic

The value for federal gift tax purposes of a gift of $100,000 in cash is $100,000, and the same is true for the value of $100,000 worth of publicly traded stock. Those are the easy cases. 

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The IRS’ “Dirty Dozen” for 2021

Each year the IRS puts a spotlight on scams that could have tax implications. Their recent report shows the influence of the coronavirus pandemic on the criminal activities of scammers. 

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Inflation Watch Continues 

Investors remain very nervous about where inflation is headed. Recently, the Case-Shiller national home price index posted its largest year-over-year increase since the index was created.

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Good Offense is Best Defense in Will Contests

When Dad leaves everything to the child who visited most in the nursing home, a will challenge may be in the works by family members who feel cheated out of their legacy.  

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“Do-it-yourself” Fails in Woman’s Estate Plan

Anne Aldrich wrote her will on an “E-Z Legal Form” ... It was duly signed, witnessed, legal, and unambiguous. However, it did not contain a “residuary clause” for disposing of property.

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Insurance and Divorce

Beneficiary designations —for life insurance or retirement plans, for example — are an often overlooked aspect of estate planning.  A change in life circumstances may suggest a need to change those beneficiaries.

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Why Bond Prices Go DOWN When Interest Rates Go UP

Simple math can explain this. Here is an example: You have a bond with a face value of $1,000 that pays 5% every year, or $50. When the bond matures you receive $1,000. Now imagine that interest rates have jumped to 7%, so a new $1,000 bond pays $70 every year. What happens to the value of your 5% bond? 

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Where's Dad's Password List?

One important new aspect of estate planning concerns “digital assets,” a form of property that only recently has come into existence. Digital assets are electronic ones and zeros; that is, information inscribed on a tangible medium or stored in an electronic or other medium and which is retrievable in perceivable form. 

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Five Benefits of Working With a Financial Planner

One important area in which some people may be overconfident is financial management. There is so much more to financial planning than setting some goals and pinching some pennies. Here are five basic benefits that may come from working with a financial planner to create an organized financial plan.

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You should always consult with your tax advisor before making any decisions. Not FDIC insured, not insured by any government agency, no bank guarantee, may lose value.

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