Making Lemonade from Lemons

Month: December 2014

December 31, 2014  |  

Making Lemonade from Lemons

We often talk, especially towards year end, about loss harvesting or harvesting your losses.  While no one likes losses in his or her portfolio, this technique is the equivalent of making lemonade from lemons.  Though tax considerations shouldn’t be the primary driver of your investing decisions, losses will occur in every portfolio at one time […]

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December 29, 2014  |  

Estate Planning Checklist

Make sure family members know where to find your essential documents and contact information. Key Takeaways Sometimes it’s the simplest, but most important things that get overlooked in estate planning. Don’t be overwhelmed by the amount of essential information you need to share with loved ones. These and other checklists can help get you organized. […]

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small business retirement plans

December 18, 2014  |  

401(k) Plans: The Early Days, ERISA and Your Fiduciary Responsibility

Third in a series of articles about retirement plan costs for investors, business owners and plan administrators Key Takeaways The Employee Retirement Income Security Act of 1974 (ERISA) put in place guidelines to help protect retirement plan participants. The 401(k) plan, although a relatively new concept, has become the primary retirement savings vehicle for today’s […]

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December 17, 2014  |  

401(k) Plans: Don’t Let the Fees Sneak Up on You

Second in a series of articles about retirement plan costs for investors, business owners and plan administrators Key Takeaways  You don’t have to know all the answers, just ask the right questions. 401(k) costs can have a major impact on long-term results for participants. Be aware of the costs you are incurring and be diligent […]

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401k-plan

December 17, 2014  |  

401(k) Plans: There Is No Free Lunch

First in a series of articles about retirement plan costs for investors, business owners and plan administrators  Key Takeaways Think of the long-term impact when it comes to making the decision to participate in your company retirement plan. Respect the power of compounding. Time and discipline make for successful investment outcomes. This article series is […]

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December 12, 2014  |  

Charitably Inclined
Making the most of your charitable giving

Key Takeaways Before giving money away, research your intended charities carefully on Charity Navigator–a free site that can help you give more intelligently. Charitable gifts are tax-deductible provided you are a taxpayer who itemizes deductions. However, there is a limit imposed on the amount you can deduct, and other adjustments may be required. Tax-free charitable […]

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December 10, 2014  |  

A Tale of Two Time Periods

Investors can still feel unfulfilled in these heady days for the Dow Jones Industrial Average Key Takeaways Discipline is the key to harvesting returns from risk assets. Follow your plan, not the crowd. Research shows that patient investors will be rewarded for taking smart risks on small cap and value stocks. Risk and reward are […]

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