Disability Insurance: Protecting Your Largest Asset

Month: September 2016

September 27, 2016  |  

Disability Insurance: Protecting Your Largest Asset

Here are a couple of interesting statistics for you: Just over 1 in 4 20 year-olds will become disabled before they retire*. Only 5% of disabling accidents and illnesses are work related. The remaining 95% are not, meaning Workers Compensation doesn’t cover them**. During your career, you are 3.5 times more likely to be injured and need disability coverage then you are to die and need life insurance***. Most worker’s largest asset is usually not […]


September 12, 2016  |  

Is Survivorship Bias Haunting Your Investment Choices?

I’ve written before about behavioral biases, and how they can trick you into abandoning your investment resolve. For example, it’s easy to succumb to recency bias, giving breaking news more weight than it deserves in your financial plans. Or we regularly see investors fall for herd mentality, chasing and fleeing popular but ill-fated trends. As if our human foibles weren’t enough, the data we turn to when considering past performance also is subject to insidious biases. Survivorship bias is one trick of the trade we must watch for when accepting or rejecting performance data analyses. What Is Survivorship […]


September 8, 2016  |  

Upcoming Webinar – The 5 Things You Must Know About Your Company Stock Program

Many clients who work for public companies have questions on how to best manage their company stock programs, such as stock options or restricted stock. If you or someone you know fits that criteria, please join us for a live webinar on Wednesday, September 14th at 11:30 am for our free webinar titled “The 5 Things You Must Know About Your Company Stock Program”.  Space is limited, so if you are interested please click here […]


September 1, 2016  |  

Can I Make Charitable Contributions From My IRA This Year?

Yes, if you qualify. The law authorizing qualified charitable distributions, or QCDs, has recently been made permanent by the Protecting Americans from Tax Hikes (PATH) Act of 2015. You simply instruct your IRA trustee to make a distribution directly from your IRA (other than a SEP or SIMPLE) to a qualified charity. You must be 70½ or older, and the distribution must be one that would otherwise be taxable to you.  You can exclude up […]

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