Client Memos

Year-end Planning Opportunities

The holiday season is here and 2023 is approaching quickly. Now is the time to get a jump start on your year-end planning. Please review the following planning strategies and contact us with any questions.

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Intra-family Gifting

When creating a gifting strategy for family, outright gifts may not be ideal if the recipients are minors or if you wish to limit or delay the beneficiary’s access to the gifted assets.  UTMA accounts, 529 Plans, and special trusts are just a few of the gifting vehicles available that allow donors to utilize the annual gift exclusion amount ($16,000/per donor in 2022).

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Annual Insurance Review

Insurance is a pillar of successful financial planning, so it is important to periodically review your various insurance policies and to modify them as your situation evolves. Below is an outline for reviewing your home, auto, and life insurance.  Please review the article Planning for Long-term Care for general information on long-term care insurance.  

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10 Admired Women in Wealth Management 2022!

We are so proud of our President, Alison Gamble! Alison has been featured by Aspioneer as one of 10 Admired Women in Wealth Management for 2022! Please click here to read the full article.

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Planning Opportunities During Market Declines

While market volatility provides investment opportunities, it can also provide tax planning and gifting opportunities. Roth conversions and intra-family gifting are examples of strategies to consider when asset prices are depressed.

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Estate Planning: Picking the Right People

Estate planning is not a one-and-done exercise. You must review and update your plan in response to your evolving situation and changes to estate/gift tax legislation. A key part of any such review is to examine who will execute your plan and receive its benefits. Are the right people in place?

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Retirement Account Options

Tax season is with us, and tax planning is likely top of mind!  One of the few methods for deferring tax is the use of retirement accounts such as IRAs, SEP IRAs, and 401(k)s.

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