If you are a non-spousal beneficiary on an annuity contract, there is a lesser known tax strategy that can significantly reduce the income tax you may pay if there is a built up gain in the policy. Distributions from a non-qualified annuity contract are taxed “gain...
Tired of having to log in to a plethora of financial sites with all those passwords to access your total financial picture? Now you can have a complete view of your financial world with one log-in. The Raymond James Investor Access site allows you to connect to and...
We all remember the old adage “If you aim at nothing, you’re sure to hit it”. There are numerous studies out that confirm those who have written goals will more likely achieve them. Dr. Gail Matthews, a psychology professor at Dominican University in California, did...
Imagine trying to hold 20 plus ping pong balls under water in a bath tub with just your two hands. Whether you’re a successful small business entrepreneur, corporate executive or medical professional, there are endless responsibilities to juggle. There is only so much...
As we meet with prospective clients, we like to start with a simple but provocative question, “Suppose we’re meeting here three years from today, what has to have happened in your life personally or professionally for you to be happy with your progress?” This could...
In times like these of market volatility, it’s easy to imagine the sum of all fears and let our emotions dictate our investing decisions. Historically, markets have trended upward over time, but not always on a smooth slope. As long term investors, we understand that...
So, the family is coming to town for the Holidays……Yes, it’s that time of year again, where all the in-laws, outlaws and long lost cousins may be converging in your private domain for what is supposed to be the best time of the year. It’s supposed to be a time of...
How many of us, left to our own devices, will take the steps necessary on the critical financial matters that have a significant impact on our family? We tend to relegate them to the bottom of the urgent pile and hope they just never become an issue. We know they’re...
1. “I’m healthy at 65, it won’t happen to me.” The latest statistics from the U.S. Department of Health and Human Services (LongTermCare.gov) indicate individuals turning 65 today has almost a 70% chance of needing long-term care services of some kind. While that...
Having spent several years caring for my aging parents, there were some hard life lessons that I believe are worth sharing. This something we all hope we can handle when the time comes, but it's one of those things that we don’t want to think about. Whether the time...
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