Critical year-end questions for IRA and 401(k) owners
Avoid leaving money on the table for the IRS answering these questions.
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June 1, 2023
While every retirement is unique, these are some observations about what retirement issues should be prioritized and what can be delayed.
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May 30, 2023
Discover the ins and outs of 401(k) plans and employer matches. Learn about contribution limits, investment options, and how to maximize your retirement savings.
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May 25, 2023
The US debt ceiling battle is heating up, and it could have serious implications for your finances. Stay informed to navigate uncertain times with confidence.
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May 23, 2023
Should you hold cash or invest in the market? Attractive yields on savings and cash-like investments can make it tempting to hold cash instead of investing extra money.
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May 18, 2023
Pay attention to these changes brought about by the Secure Act 2.0 because they could have a profound effect on your retirement plans.
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May 16, 2023
The US SSA made some important changes that could impact your retirement plan. Learn about the 8.7% increase in Social Security benefits, higher income thresholds, and more!
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May 11, 2023
Here's how to fix your budget if you want to be great with money, stop stressing about finances, and be able to claim financial freedom some day.
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May 9, 2023
QPRTs are a fairly simple way for the rich to save on taxes and keep homes in the family. However, there are a few strings attached.
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May 4, 2023
Learn more about why banks fail, how FDIC insurance works to help you recoup your money, and how to protect your finances.
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April 27, 2023
You’re not bad at money management. You need a better decision-making process that won’t leave you feeling exhausted and overwhelmed.
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April 25, 2023
There are quite a few recurring myths that could be hurting your ability to plan properly for retirement. Here are 10 heard most often.
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April 20, 2023
Will inflation subside to ultra-low pre-Covid levels or will it be a lasting problem, as in the 1970s and early 1980s? What will happen to interest rates?
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April 18, 2023
With tax season in the rearview mirror, it’s a great time to give your finances a once-over. Start with these steps.
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April 13, 2023
The key to retiring with no savings is to be resourceful and creative. Here are some ideas to consider.
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April 11, 2023
A recent study showed that 58% of business owners lacked a succession plan. Consider these key elements to get yours on the right track.
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April 6, 2023
It's important to understand how marriage affects your taxes. Avoid any potential surprises with these essential tips for filing taxes as a newlywed.
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March 30, 2023
In 2022 philanthropy became a sustaining force for nonprofits despite economic pressures. Here are five lessons from last year that can shape individual giving in 2023.
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March 28, 2023
Many audits are triggered by actions taxpayers themselves have taken. Here's a list of red flags that can cause your tax return to be targeted by the IRS for review.
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March 23, 2023
During the estate administration process, it is easy to see where the decedent veered off course. Often the fix was inexpensive and could have saved their heirs in legal fees.
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March 21, 2023
The collapse of three US regional banks and the Credit Suisse selloff are drawing comparisons to the great financial crisis of 2008. We believe 2023 is different. Here's why.
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March 16, 2023
The FDIC and other entities will protect most people’s bank and brokerage balances. But having a few backup plans is just good financial hygiene.
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March 14, 2023
Silicon Valley Bank's collapse highlights the dangers of being overly exposed to high-risk sectors. Investors can learn from Buffett and Lynch in such events.
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March 9, 2023
Most business owners will not receive a refund from the IRS. Apply these 3 tips to help minimize what you owe at tax time.
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March 2, 2023
Short-term volatility should always be expected, but long-term investors have several reasons to be optimistic about the market outlook.
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February 28, 2023
The rules for inherited IRAs are complex. Understanding those rules is crucial to getting the most out of the inherited IRA — and avoiding running afoul of the IRS.
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February 23, 2023
Choosing to relocate to another state is a complicated and very personal decision. If you’re thinking about retiring in a different state, read these valuable tips first.
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February 21, 2023
Under the new law, beginning in 2024, you can withdraw funds from an existing 529 plan and roll them into a Roth IRA. There are some important rules.
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February 16, 2023
The increased standard deductions under the Tax Cuts and Jobs Act provided tax savings for many. Taxable income can be reduced further with a few strategic steps.
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February 14, 2023
Retirement funds don't have to be off-limits if you're in dire need. Here're a few ways to withdraw from your 401(k) early without incurring a penalty from the IRS.
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February 9, 2023
Your retirement plans don’t affect just you — they also have an impact on your children. Here’s what they need to know about your finances.
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February 7, 2023
Saving for retirement takes years of planning. Retirees share their best advice on retirement, what worked for them and what didn't.
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January 31, 2023
Going to all cash can make sense in some situations, but the potential downsides include among others missing the market’s best days of high returns.
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January 26, 2023
Life happens but you don’t have to let it get in the way of your retirement. Here's what you can do to protect your nest egg.
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January 24, 2023
When you change jobs, you generally have four options for your 401(k) plan. One of the best options is doing a 401(k) rollover to an individual retirement account (IRA).
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January 19, 2023
Inflation has been hitting everyone hard and going into 2023, there are several things you can be doing in order to protect the state of your finances.
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January 17, 2023
The SECURE 2.0 Act is packed with 92 retirement-savings provisions and illustrates the importance of revisiting your retirement and tax planning strategy annually.
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January 12, 2023
In a shaky economy, you may be wondering how to make smart choices when it comes to investing. This guide can help.
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January 10, 2023
Contributing to a Roth IRA can be a great way to save for retirement, but putting too much money into your account can trigger tax penalties. Here're some ways to fix the problem.
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January 5, 2023
Changes were made to many tax credits and deductions in 2022 that experts say could lead many people to owe money when they file their IRS returns in 2023.
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January 3, 2023
It is important to reset your personal finances and goals for the New Year. Here are some financial moves that you should resolve to make in 2023.
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December 29, 2022
The tax-filing system is still months away but now is a great time to start thinking about next year’s return.
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December 22, 2022
Tax season lies just around the corner, which means it’s time to seek those last-minute tax breaks. Here're a few tips.
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December 20, 2022
A 529 plan allows you to save and grow tax-free money for someone’s education, including your own. Here're contribution maximums for 2023.
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December 15, 2022
An inverted yield curve doesn’t always equal a recession. Even in the face of great uncertainty into 2023, there are opportunities in this inverted world.
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December 13, 2022
There are many tax-planning opportunities with charitable donations that you can take advantage of to give you the largest deduction possible.
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December 8, 2022
2022 has been a turbulent year for investors and retirees. However, in December, there are some actions that can have a significant positive tax and economic impact.
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December 1, 2022
Many economies have been hit with rising prices in the wake of the pandemic, but there are some notable outliers that have managed to keep their inflation rate down.
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November 29, 2022
Don't pay more than needed by checking out these tax-reducing steps. For more information on how you can reduce your taxes, consult your Signet advisor.
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November 22, 2022
Compared to the past two seasons, this fourth quarter began with a lot of momentum, which feels like a miracle.
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November 17, 2022
Is it worth the cost to hire an advisor? People say they can listen to the news to find out where and how to invest, so, “Wouldn’t I be better off just keeping the fee for myself?”
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November 15, 2022
The housing market is a hot topic right now, and after experiencing rapid growth over the pandemic years it looks to now be slowing down.
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November 10, 2022
Inflation remains stubbornly high. Uncertain energy costs combined with supply and demand mismatches mean higher prices could continue for a while, well beyond the end of 2022.
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November 8, 2022
If you're checking, chasing, and stock-picking, you may increase the odds of self-inflicted losses when the market is down.
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November 1, 2022
Despite the polarization ahead of midterms, avoid the temptation to make significant changes to a long-term investment plan based on which party controls Congress.
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October 27, 2022
October is known for some of the scariest events in the financial markets. Here are 13 scary financial statistics and steps to avoid becoming their next victim.
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October 25, 2022
The IRS announce the new standard deduction and new tax brackets for 2023. Knowing these numbers allows you to make some smart tax-planning moves before the year's end.
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October 20, 2022
Answers to the most common required minimum distribution questions: timing withdrawals, reinvesting RMDs, and how to legally avoid paying tax on distributions.
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October 18, 2022
The reasons behind the market correction are always unique, but our reactions shouldn’t be.
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October 13, 2022
Although the Social Security COLA increase is the largest it’s been in four decades, it doesn’t mean that retirees are keeping up with their actual cost of living increases.
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October 11, 2022
Many people aren't mentally or financially prepared for the high cost of health care in retirement. Here's how to plan.
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October 4, 2022
This year is well on its way to being the worst in modern history for bond investors. But there is finally some income to be earned in the fixed-income market.
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September 29, 2022
Sharp downturns in global stock markets are painful. But the odds are that jumping in and out of the market will only hurt your portfolio in the long run.
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September 27, 2022
Knowing how changes in interest rates may affect the performance of your retirement plan can help you bolster your investment returns and avoid potential losses.
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September 22, 2022
Near-term risks remain high, but investors who stay focused on the long-term have historically been rewarded.
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September 20, 2022
If you are one of the 60 million plus individuals with an IRA, you might need to complete certain IRA transactions by the end of this year.
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August 31, 2022
How you react to volatile markets plays a crucial role in your long-term success. Here are a few steps to take when the market gets scary.
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August 30, 2022
Protecting your family is important, but so is making sure you're not wasting money on life insurance that could be used for other financial needs.
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August 25, 2022
Here is a list of 10 common credit card mistakes cardholders make. Hopefully, you can learn from the mistakes of others and save some financial pain.
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August 23, 2022
Whether you're a long-term investor trying to understand market moves or are concerned about your portfolio, here are 9 charts every investor needs to see.
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August 18, 2022
Market declines during the first five years of retirement can have a significant effect on a financial portfolio, but remaining flexible can mitigate the damage.
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August 16, 2022
The dramatic history of the Inflation Reduction Act is known – now we have to understand and live with the practical results.
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August 11, 2022
Smart estate planning will minimize the tax bill that your heirs pay when you die, and a Roth IRA is one of the most effective tools for that purpose.
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July 28, 2022
The US economy contracted for the second quarter in a row. This would count as a recession by one rule of thumb, but it does not pass the smell test.
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July 26, 2022
The easiest way to deal with a frothy market is to have a strategy in place that anticipates the unpredictability of ups and downs. Here are a few methods that help.
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July 19, 2022
What's the point of saving for the long run if there isn’t going to be one? Larry Siegel objects it will be a great time to be alive. Here's why.
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July 6, 2022
Volatility can be managed. Steve Tuttle shares 4 investment strategies to manage volatility: reducing, navigating, harnessing, and monetizing.
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June 30, 2022
The most common money mistakes people make aren't due to an inability to handle their finances. The real trouble? Keeping emotions in check.
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June 28, 2022
The immediate outlook is grim, but low-cost funds that track the entire market can help you prosper over the long term.
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June 23, 2022
To help you focus on the most important decisions, you’ll want to prepare a realistic retirement plan that can guide you to a financially secure retirement.
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June 21, 2022
Rules controlling what you can do with your 401(k) after retirement are very complicated. Consult your financial advisor before making any final decisions.
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June 14, 2022
Steep downturns of stocks by 20 percent or more are relatively rare, but how long they last could portend damage — for you and the economy.
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June 7, 2022
A recession can impair your personal finances. Being prepared and taking a few simple steps to reduce your risks can help you weather the economic storm.
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May 12, 2022
What if I delay retirement by one year? There are many ways retiring either sooner or later than planned can impact your life, beyond retirement income.
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May 5, 2022
The Fed just raised interest rates by the most in 22 years. Consumers should be mindful of the risks associated with tighter monetary policy.
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April 28, 2022
Healthcare, housing, travel, supporting adult children – all of these expenses and more are subject to inflation. Here is how to plan for inflation when thinking about retirement.
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April 19, 2022
Americans are entering a period when consumer prices will continue to rise steadily, which will bring a whole different set of costs and benefits to a new generation.
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April 14, 2022
Carefully planning the financial aspects of your vacation and coming up with a smart approach to saving for it can relieve a lot of the pressure that vacation planning can bring.
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April 12, 2022
Getting the right coverage is a challenge because there can be so many variables. Laddering life insurance is a way to tackle life insurance needs that change over time.
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April 7, 2022
Tax Day looks a little different in 2022. Here’s everything you want to know to minimize mistakes, maximize your refund and file your tax return successfully.
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April 5, 2022
The Signet investment team thinks the hawkish pricing in short-term rates might be overdone and prefers short-maturity bonds over long-term ones.
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March 29, 2022
With just weeks to go until the tax deadline, should you be waiting to file your taxes? Are you hoping the deadline will be extended once again this year?
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March 25, 2022
Financial planning goes beyond growing savings and cutting expenses. Here're 5 steps to a solid financial plan.
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March 24, 2022
For women business owners, the toll of divorce can be particularly overwhelming. You might face the possibility of having to split your company with your ex-spouse.
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March 22, 2022
Once a year, tidy things up to ensure you're on track for your financial goals. Follow these steps to Marie Kondo your way to a joyful financial life.
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March 15, 2022
This Equal Pay Day, the data shows the wage gap closed by 1 cent. On the surface, this looks like progress. Yet these numbers are not telling the whole story.
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March 3, 2022
Learn how to get a firm grasp on your own personal rate of inflation, and employ strategies that will protect your bottom line.
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February 17, 2022
If you have parents on Medicare, here are some tips to help ensure premiums are paid so they — and you — don’t face crushing problems.
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February 8, 2022
There are a lot of expenses that, although they are common and, in some cases, annual, we don’t think to plan for. Here are a few you should work into your budget.
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January 25, 2022
Strong markets have swelled account balances, but changing conditions make it a good time to revisit your plan. How to get built-in inflation protection?
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January 20, 2022
Auto loans are reaching the longest term and highest balance ever. Should you refinance? It really depends on what you stand to gain by refinancing.
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