PFP
Planning for Prosperity
Showing 1–16 of 361 results
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Separately managed accounts – An alternative to mutual funds for high-net-worth investors
November / December 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 424
Abstract: Although mutual funds boast many benefits, they don’t give investors control over investment decisions, such as to buy or sell individual securities at year end. Individuals with considerable wealth may want to consider a separately managed account (SMA) instead. This short article defines SMAs and highlights their tax advantages.
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Does your estate plan account for your digital holdings?
November / December 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 568
Abstract: Increasingly, clients are asking their advisors to include digital assets in their estate plans. The consequences of not doing so can be dire, as several high-profile cases of cryptocurrency owners have illustrated. This article looks at the types of digital assets to include and the best ways to provide them with legal protection.
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FAQs about maximizing FDIC insurance coverage
November / December 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 640
Abstract: Most bank accounts are safe in the event of bank failure because they’re insured by the Federal Deposit Insurance Corporation (FDIC). This article reviews FDIC coverage limits. It explains concepts such as “ownership categories” and offers tips for increasing insurance coverage for large accounts.
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4 year-end tax moves for investors
November / December 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 836
Abstract: As the year winds down, it’s a good time to implement year-end strategies that can potentially minimize taxes. This article offers four actions to consider taking: 1) Harvest losses or gains; 2) maximize retirement plan contributions; 3) take required minimum distributions from retirement accounts; and 4) make a qualified charitable distribution. The sidebar dispels a common misconception that investing in a mutual fund just before it makes distributions is like getting “free money.”
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Bond ladders can help mitigate interest-rate risk
September / October 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 418
Abstract: Bonds can play an important role in an investment portfolio, especially for people near retirement or already retired. Although they may not enjoy the same upside potential as stocks, bonds are somewhat insulated from the stock market’s volatility. This article discusses how bond ladders can reduce interest-rate risk.
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What to do with your 401(k) account when you leave a job
September / October 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 589
Abstract: Employees who are changing employers or retiring may need to decide what to do with their 401(k) accounts without triggering a taxable withdrawal. As this article explains, plan participants may keep the funds in their former employer’s plan, roll them over to their new employer’s plan or roll over the funds into an IRA account.
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Estate planning – Keeping the peace in a blended family
September / October 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 646
Abstract: Blended family life can be complicated — particularly when it comes to estate planning. This article describes several tools that can preserve wealth for various heirs while also helping families avoid resentment and squabbles. These tools include wills, trusts, prenuptial agreements and durable powers of attorney.
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Thinking about “unretiring?” Do your research first
September / October 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 882
Abstract: Given the economic and social turmoil of the last few years, it’s now common for retired individuals to consider returning to the workforce. However, before they “unretire,” people should consider the financial implications, including a paycheck’s impact on their Social Security benefits and Medicare premiums. This article investigates the issues. A sidebar provides tips on shielding a retirement nest egg from market volatility.
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Should you sell (or even refuse) inherited assets?
July / August 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 395
Abstract: An inheritance can provide a welcome windfall, especially for people nearing retirement. But in many cases, disposing of inherited assets — or even turning down an inheritance — may make more financial sense. This article suggests questions new heirs might want to ask before accepting assets.
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What you should know about the active vs. passive fund debate
July / August 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 550
Abstract: In most years, passively managed funds that mimic market indexes tend to do better than their actively managed counterparts. Does this mean investors should only invest in index funds? Not exactly. This article explains how active and passive funds are managed and how they can both fit into a diversified portfolio.
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Financial planning is critical for unmarried couples
July / August 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 694
Abstract: When it comes to financial planning, married couples enjoy certain legal advantages over unmarried couples. Therefore, unmarried couples need to anticipate and plan for multiple issues. This article discusses tax-planning opportunities, breakup protection, estate planning and health-care directives.
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SECURE Act 2.0 – New law makes saving for retirement easier
July / August 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 882
Abstract: The SECURE 2.0 Act of 2022 is making it easier for many people to save for retirement in a tax-advantaged manner. This article reviews the law’s provisions, including those related to required minimum distributions (RMDs) from IRAs, catch-up and matching contributions to 401(k) plans, and Section 529 plans. A sidebar explains the tax breaks available by making qualified charitable distributions. As an extra bonus, these distributions count toward any RMDs for the year.
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Tax planning: Investors vs. traders
May / June 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 402
Abstract: For those who buy and sell securities for their own accounts, classifying themselves as traders rather than investors may offer significant tax advantages. However, it’s difficult to qualify as a trader. This short article explains the favorable rules for traders and warns against misclassification.
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No emergency fund? What are you waiting for?
May / June 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 591
Abstract: An emergency fund can help if you lose your job, experience health problems, or face unexpected home repairs and other expenses. So it’s important for everyone to make sure they’re saving enough, given their income and lifestyle. This article provides tips on reaching emergency savings goals.
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Dividend growth investing as a long-term strategy
May / June 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 652
Abstract: Dividend growth investing — or investing in companies with a solid record of paying regular, increasing dividends — is a strategy most investors might want to consider. This article looks at the potential rewards, explains the difference between growth and yield and cautions that this strategy isn’t for those looking for quick profits.
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Estate planning – Steer clear of these 5 common mistakes
May / June 2023
Newsletter: Planning for Prosperity / Wealth Management Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 866
Abstract: A well-designed estate plan can help individuals share their hard-earned wealth according to their wishes and protect it from creditors and tax liability. But it’s easy to make mistakes. This article looks at five, including failing to fund a revocable trust, not planning for incapacity and forgetting to make contingency plans for beneficiaries. A sidebar discusses choosing trustees.