As 2018 comes to an end, it’s time to start thinking about making a plan for 2019. A wealth advisor can help you identify strengths and weaknesses, and develop a plan to meet your varied goals. Vanguard research identified three core ways professional advice brings value: Behavioral coaching Portfolio construction Wealth management To learn more, […]
The Mega Millions and Powerball Jackpots are growing! How can you avoid ending up on a television show about how the Lottery ruined your life? 1. Don’t play the Lottery. It’s a waste of your money. The odds are greater that you’ll be killed by a shark or struck by an object falling from the […]
The decision to have either parent stay at home, or as I say, “work inside the home,” with the children is not always easy. There are a multitude of reasons one parent may decide to leave the workforce after having children. Sometimes it’s an emotional decision. A parent simply wants to stay home because they […]
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When it comes to our credit score, Americans are doing the best we’ve ever done. Since bottoming out with an average FICO Score of 686 in October 2009 – incidentally one year after the stock market crash of 2008 – scores have risen steadily since, including for the past 8 years. Today, […]
St. Louisans, have you picked up the latest issue of Town & Style? Check out the “Assets & Answers” column, featuring advice by HighTower St. Louis Wealth Advisor, Jennifer Belmont Jennings JD, on discussing finances with your children. HighTower St. Louis Wealth Advisors serves many multi-generational families, and we place great value on educating the […]
A 529 plan is a college savings plan offering tax and financial aid benefits for qualified educational expenses (https://www.irs.gov/credits-deductions/individuals/qualified-ed-expenses). Each parent and other relatives can contribute up to $15,000 per child, per year to a 529 account without reporting the contribution to the IRS. A 529 account can also be “superfunded” with contributions of $75,000 […]
Today our families are complex. There are children and stepchildren, blended families and half siblings. Who gets what when the parents are gone can become a protracted fight if the appropriate plan isn’t in place. So how can you be sure your assets will pass to the intended recipients at the time of a transition? […]
Not KFC. Not QFC. A QCD, also known as a Qualified Charitable Distribution. With the changes to the tax code for 2018, it’s possible that your charitable contributions will no longer result in a reduction of your tax liability. The Joint Committee on Taxation estimates that 94% of households will claim the standard deduction in […]
Barbara Archer recently participated in Barron’s 5th annual Health and Wealth Roundtable, discussing Medicare, Parts A , B and D and Long Term Care. These are some of the most misunderstood elements as you approach retirement. This article sorts out some of the basics to help you address issues you may be facing. We thought […]
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This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.
All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and HighTower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.
This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of HighTower Advisors, LLC, or any of its affiliates.