Client Memos

Rollover Decisions

If you are considering a rollover from an employer-sponsored retirement plan, please read the following very carefully before you decide.

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Tips to Help Protect your Cyber Health

Since the onset of the Covid-19 pandemic, we have all been very mindful to protect our health.  It is also important to protect our cyber health, and here are a few guidelines that will help you stay safe, healthy, and protected while online.

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GJIC named to the CNBC FA 100 for third year in a row!

It is with great pride we announce that Gamble Jones Investment Counsel has been named to the CNBC FA 100 list for the third year in a row. The CNBC FA 100 celebrates the financial advisory firms that top the list when it comes to offering “the best, most comprehensive planning and financial services to help clients navigate their financial lives.”

This year Gamble Jones ranked 23rd on the list of the top 100 firms in the nation.  We want to take this opportunity to thank our clients for putting their trust in Gamble Jones for the last 65 years.  We will continue to strive to offer outstanding service to help you and your loved ones reach your financial goals.

To see the entire FA 100 list, please visit www.cnbc.com

2021 Retirement Account Contribution Limits

Below are the 2021 tax year contribution/deferral limits. Please review your unique tax situation with a professional before significantly altering your retirement savings tax strategy. Contact us with any retirement planning questions.

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Asset Allocation Review

As the stock market continues to reach all-time highs, we want to encourage you to review your investable assets to make sure your asset allocation is still appropriate based on your goals and risk tolerance.

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Estate Taxes

“Tis impossible to be sure of any thing but Death and Taxes”  – Christopher Bullock (1716)

Federal estate taxes, gift taxes, and generation-skipping taxes compose our current “transfer” tax system.  Estate taxes are imposed upon and paid by the taxable estate before distribution (or transfer) to the beneficiaries.  In contrast, inheritance taxes are imposed upon and paid by the beneficiaries for assets inherited. The federal tax system has used each method in the past but currently uses the “estate” tax system, while the states generally use the “inheritance” tax system.

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Planning for Long-term Care

In light of our population’s current demographics and projected longevity, there is a heightened need for long-term care planning.  More people than ever before are expected to require long-term care services and rely on those services for a greater period of time.  In addition, health care costs tend to rise more quickly than general inflation which raises the question of how to pay for long-term care services.  Can you self-insure or should you purchase insurance coverage?  How will you manage a long-term care need?

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