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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November 28, 2023
Considering joint or separate tax filings? Learn about potential liabilities, innocent spouse relief, and how marital status affects your taxes.
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November 21, 2023
Enjoy Black Friday benefits without compromising financial stability. Check out these tips for smart shopping during sales.
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November 16, 2023
Explore tax-loss harvesting as a smart end-of-year financial strategy to lower your taxes on investment gains.
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November 14, 2023
The impact of Black Friday and Thanksgiving is modest, but there are some changes you should be aware of.
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November 9, 2023
Diversify beyond stocks and bonds with private markets. Discover long-term growth with private credit and infrastructure.
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November 1, 2023
Considering investing in bonds? Discover why current interest rate conditions might make now the ideal moment.
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October 31, 2023
Market sentiment: an emotion-driven compass of financial markets. Understand its definition, types of indicators, and the role it plays in price movements.
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October 19, 2023
Understand how H.S.A.s differ from F.S.A.s and the unique tax benefits they offer. Learn how to optimize your savings for current and future medical expenses.
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October 17, 2023
Retirement planning for women is evolving. While challenges persist — from the pay gap to financial confidence — learn strategies to fortify your financial future.
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October 12, 2023
An emergency fund isn't just for emergencies. Learn how it can make home buying, moving, and traveling more manageable.
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October 11, 2023
Let's explore some of the key areas to incorporate into your decision-making so you make the most informed choice based on your expected needs.
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October 2, 2023
Historically, the fourth quarter offers strong stock market returns. With signs of a potential rebound and support levels, cautious optimism prevails for a favorable end to 2023.
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September 28, 2023
A sound, long-term financial plan is the best way to protect your finances from stagflation. Learn how to adjust your investment strategy during economic uncertainty.
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September 26, 2023
Discover the 2026 changes to 401(k) catch-up contributions under the SECURE 2.0 Act. How will it affect your taxes and retirement savings?
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September 21, 2023
Curious about the cost of retiring in the US? Explore the factors that affect retirement costs and find out the top states for retirement based on the Investopedia Retirement Index...
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September 19, 2023
Don't let the fear of a recession drive you to make hasty financial decisions. Check out some common mistakes people make before recessions that can hurt their finances.
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September 12, 2023
Credit cards can be a financial lifeline, but they can also lead to disaster if not managed wisely. Learn to avoid overspending, high interest, and credit score damage.
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September 7, 2023
Are you in a dual-career couple with an age gap? Explore retirement planning tips, including Social Security, healthcare, and financial strategies, to secure your financial future.
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August 31, 2023
Learn how open communication can prevent loss of assets and familial trust, ensuring a smooth transition for the next generation.
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August 29, 2023
Learn how women's investment strategies differ. Explore key research findings on gender and investment decisions.
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August 24, 2023
Preparing for divorce? Learn effective strategies to protect your personal credit . Discover how to close joint accounts, freeze credit, and monitor your score.
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August 22, 2023
Childhood money lessons don't always stick, but here's how parents can introduce kids to saving and compound interest.
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August 17, 2023
Inflation is still around, a possible recession, rising interest rates and geopolitical tensions are all reasons you should think about protecting your portfolio.
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August 15, 2023
Inheriting money or assets? Discover how to invest your inheritance wisely. Learn about cash, retirement accounts, investments, properties, and businesses.
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August 11, 2023
Want to support your grandkids without sacrificing retirement savings? Learn 8 smart ways, from 529 plans to trusts.
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August 1, 2023
Learn about Signet's approach to investing in dividend stocks. Discover a better way to build a diversified portfolio for steady income!
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July 27, 2023
Avoid unnecessary bank fees! Learn how to steer clear of account maintenance, ATM, overdraft, and other charges. Save money with savvy banking.
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July 25, 2023
Dealing with IRS tax debt? Discover your options — setting up an IRS payment plan or using a personal loan. Compare pros and cons to make an informed decision.
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July 20, 2023
Discover the key divorce mistakes to avoid for a smoother post-settlement journey. Learn how to navigate lifestyle, tax, home, legal, and insurance challenges wisely.
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July 18, 2023
Explore the growing trend of semi-retirement. Learn about tax implications and other considerations to make informed decisions about your retirement plan.
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July 13, 2023
Discover crucial financial tips for young adults to build a healthy future. Learn about budgeting, saving for retirement, taxes, and more.
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July 11, 2023
Discover how understanding investor psychology and market patterns can lead to superior investment returns. Learn the key lessons for taking the temperature of markets.
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June 29, 2023
Discover how to achieve financial freedom and overcome the struggles of limited financial security. Celebrate independence by taking steps towards a brighter financial future.
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June 27, 2023
Tim Denning, ex-banker, shares tips on changing poor money mindset that may keep you stuck. Here are a few money habits keeping you poor.
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June 22, 2023
Consider the cost and hassle of maintaining a second home from afar plus your desire to travel to other destinations before buying a vacation home.
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June 20, 2023
Uncover the factors influencing perceptions of wealth in America. Check out the survey findings that reveal what it truly means to feel rich.
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June 15, 2023
Whether a locked or changing rate is better depends on where the Fed rate is headed. Uncover the pros and cons of each and make informed decisions.
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June 13, 2023
Summer is an ideal time to reassess your financial goals and make necessary adjustments to stay on track. Explore 9 financial steps for your mid-year financial checkup.
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June 8, 2023
A regret-free retirement requires several years of planning, budgeting, putting money aside, and staying the course.
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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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