INVESTOR INSIGHTS – FIRST QUARTER 2019 

Many employees feel squeezed to both pay off their debt and save for their future. A recent Private Letter Ruling (PLR) opens the door for employers to help them.

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INVESTOR INSIGHTS – FIRST QUARTER 2019

Let’s start with 2017. To understand 2018, at least the first part, a review of 2017 will help. The S&P 500 was up 21.8% in 2017 and every month experienced positive returns. Volatility was at historic lows as the biggest intramonth decline was less than 3%. There was anticipation of corporate and individual tax cuts as well as the loosening of regulations.

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INVESTOR INSIGHTS – THIRD QUARTER 2018

Perhaps the longest debate on how to invest in the stock market is the one centered on growth or value. Growth managers will tell you all the reasons why their stocks are better companies, they tend to have better top line growth, more exciting ideas and products, and have figured out the future in better ways. Value… read more

Recent Market Volatility

October has seen the return of market volatility, with the S&P 500 Index falling for six consecutive sessions through last Thursday, its longest losing streak in nearly two years. A combination of factors has led to this sell-off including fears of an overheating U.S. economy… read more

GE Shows What Happens When Dividend Investing Goes Wrong

Although we cannot prevent market or dividend volatility from occurring, we definitely do remain focused on taking a consistent and disciplined approach when managing our strategy. An approach that helps you understand and be more confident that you will be “OK” in all market outcomes…. read more

Repay Student Loans or Save in a Retirement Plan? Why Not Both?

Joel Shapiro, JD, LLM, Senior Vice President, ERISA Compliance

Many employees feel squeezed to both pay off their debt and save for their future. A recent Private Letter Ruling (PLR) opens the door for employers to help them.…

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February, 2019 Newsletter

Don’t Let Student Debt Get In Your Way
Of Financial Success by Andy Harper

By Andy Harper

If you find yourself in a position of not being able to pay off
your student loan debt and save for your future, you’re not alone.
According to the New York Federal Reserve, more than two million
student loan borrowers have student loan debt greater than $100,000,
with approximately 415,000 of them carrying student loan debt in excess of $200,000.

Steps to eliminate debt…

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Six Easy Steps to Keep Your Plan Assets Safe

Joel Shapiro, JD, LLM, Senior Vice President, ERISA Compliance

Cyber fraud is a growing concern globally. Individuals are typically very careful to keep their bank account and email authentication information safe, but they aren’t always smart with the rest of their personal information.
Participants need to be vigilant…

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March, 2019 Newsletter – Retirement Times

By Bill Tugaw, Senior Vice President, Governmental Plan Practice Leader

The U.S. Department of Labor (DOL) recently issued benefit
plan guidance and relief for plans and participants affected
by the 2018 California Wildfires. The DOL recognizes that
plan sponsors and participants may be affected in their ability
to achieve compliance with various regulatory requirements.
The guidance generally applies to all parties involved in
employee benefit plans located in areas identified by FEMA
as disaster areas, listed here: www.fema.gov/disasters.

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April, 2019 Newsletter – Retirement Times

Ten Reasons to Roll Over Into Your Plan Versus an IRA

By Michael Viljak, Manager, Advisor Development

Do you have employees in a prior employer’s retirement
plan? Should they transfer these assets to a personal IRA or
into your employer-sponsored retirement plan?
Review the pros and cons of an individual retirement account
(IRA) versus consolidating into the current retirement plan
with your employees to help them make this decision.

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Collaboration is Key to a Successful Exit

Any proper exit planning process will cover all aspects of an owner’s personal and business life. Even if the goal is to maximize the sale value to a third party or maintain the business as a lifestyle business, this exit planning process covers such a broad array of topics that it is impossible for any single, professional advisor to deliver on all of these topics and provide education and solutions for each. Collaboration must occur.

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The “5 Year Exit Plan” Trap

Business Owners – Do you fall into the “5 Year Exit Plan” Trap? It is vital that owners see that the perpetual 5-year plan is not good for themselves or their businesses and that the natural tendency to delay the planning for an eventual exit may be costly to both you, your company, and the people who depend on your business for their livelihood.

Read here to learn more and avoid this.


Considerations for Your Illiquid Asset, Your Business

In today’s economy, many business owners are looking to cash in the value of their business because profitability and valuations are high. If your business is healthy and strong, it likely represents the most valuable asset / holding in your overall personal portfolio today.

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Women & Wealth – Gaining Financial Confidence

The challenges facing women are greater today than ever before. Raising a family, balancing a career or caring for an aging parent all can often delay or sidetrack a financial roadmap. The following article speaks about these challenges and how we can take a more active role in shaping our financial lives and future.

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Writing the Book of Legacy

By Chris Gibbons

Each of us believes we know ourselves, that we have a sense for the nature of our loved ones, and that we’ve identified a firmly formed picture of right and wrong. Perhaps above all else, each of us believes we are rational people and make decisions based on facts and not emotions.

If you’re chuckling, that’s good.
We like to think…read more

Philanthropy & Taxes: Giving is Receiving

It’s fulfilling to give back. And in return, the IRS rewards philanthropists by allowing them a tax break for their humanitarian efforts. Your tax bill can be lowered by donating to certain qualified charities, such as religious organizations, American Red Cross, Goodwill, and any other charity that is… read more

Don’t Be A Statistic, Protect Your Identity From The Dark Web

Did you know that there’s a new victim of identity theft every two seconds? In 2017 alone, 1 in 15 people became a victim of hacker/security breaches, totaling to about 16.7 million people. Unfortunately, over 1 million of those who were affected were children… read more

A Private Island Could Cost Less Than Your Current Home

Buying a home in San Francisco could be more expensive than purchasing your own private island. Whether you’re looking for a new elite vacation spot or going off the grid, buying an island isn’t only for the uber wealthy. In fact, there are hundreds of islands on the market for sale, and some are even listed well below six figures… read more