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When It’s Time to Review Your Estate Plans

By Marcus F. Johnson, CFPⓇ | August 21, 2019

Estate plans aren’t static documents. You don’t just write them, tuck them away in your important papers file and forget about them. Here are some events that may call for a review and revision of your plan.

When You Are the Beneficiary of an IRA

By Marcus F. Johnson, CFPⓇ | August 15, 2019

Immediately after the loss of a family member, deciding what to do with the deceased’s IRA may not seem important. Still, if you’re the beneficiary, it’s imperative to make a good decision to avoid paying penalties and extra taxes. As a beneficiary of an IRA or employer-sponsored plan, you can open an inherited IRA account…

The Importance of a Good Withdrawal Plan

By Marcus F. Johnson, CFPⓇ | July 24, 2019

So, you’ve developed a financial plan for your future. You know how you’re going to accumulate the savings and investments needed to provide a comfortable retirement. But do you have a plan for withdrawing savings during retirement? If you don’t create a well-thought out plan for accessing funds from your accounts, you could lose savings…

Credit Card Benefits You May Not Know About

By Marcus F. Johnson, CFPⓇ | July 16, 2019

Most of us know the number one rule for using credit cards is to avoid building up a balance we can’t pay off promptly. What many of us don’t know about credit cards is the number of benefits they often offer (in addition to purchase rewards). Here are some that are common: Extra security: With…

Estate Planning Misconceptions

By Marcus F. Johnson, CFPⓇ | July 1, 2019

Many people postpone creating an estate plan because considering their demise is unsettling. Others make false assumptions that cause them to neglect this important task or make less-than-ideal decisions. Here are a few common misconceptions related to estate planning: Estate planning is for the wealthy. Anyone who owns property or assets, or has loved ones…

Don’t Shred Those Tax Documents Yet

By Marcus F. Johnson, CFPⓇ | April 15, 2019

You’ve completed your taxes for the year and now you’re wondering what to do with that pile of records, 1099s, receipts and bank statements. The experts agree, take the time to organize them and store them in a secure place. You may need to refer to them in the months or even years ahead if…

5 Reasons to Set Up Your Online Social Security Account

By Marcus F. Johnson, CFPⓇ | April 3, 2019

For many of us, Social Security has a part in our financial plans for retirement or later stage of life. Even if you’re years away from applying for benefits, there are some good reasons why you should set up your online Social Security account at www.socialsecurity.gov/myaccount. You can go online to ensure there aren’t any…

Where to live as we age?

By Marcus F. Johnson, CFPⓇ | February 12, 2019

One of the most stressful decisions as you age is whether to stay in your current home or consider other alternatives. According to a survey by AARP, 90 percent of adults age 65 and older want to remain in their current residence as long as possible.  The desire to “age in place” is a natural…

Splitting Retirement Plans When Divorcing

By Marcus F. Johnson, CFPⓇ | February 4, 2019

While no one marries with the intention to later separate, if divorce or legal separation is in your future, make sure you understand the implications against retirement savings. If you or your spouse have money in retirement plans, you’ll most likely have to share the assets. It’s important to understand what governs the division of…

Health Care Considerations Before Retiring

By Marcus F. Johnson, CFPⓇ | January 28, 2019

Amid retirement anticipation, it is crucial to take the time to make wise decisions regarding health care coverage.  Here are some things to consider at various times. Retiring at any age: While some Medicare Advantage plans cover dental and routine vision services, regular Medicare and Medigap plans don’t. If you’re not planning to buy a…

When It’s Time to Review Your Estate Plans

When It’s Time to Review Your Estate Plans

Estate plans aren’t static documents. You don’t just write them, tuck them away in your important papers file and forget ... Read More
When You Are the Beneficiary of an IRA

When You Are the Beneficiary of an IRA

Immediately after the loss of a family member, deciding what to do with the deceased’s IRA may not seem important ... Read More
The Importance of a Good Withdrawal Plan

The Importance of a Good Withdrawal Plan

So, you’ve developed a financial plan for your future. You know how you’re going to accumulate the savings and investments ... Read More
Credit Card Benefits You May Not Know About

Credit Card Benefits You May Not Know About

Most of us know the number one rule for using credit cards is to avoid building up a balance we ... Read More
Estate Planning Misconceptions

Estate Planning Misconceptions

Many people postpone creating an estate plan because considering their demise is unsettling. Others make false assumptions that cause them ... Read More
Don't Shred Those Tax Documents Yet

Don’t Shred Those Tax Documents Yet

You've completed your taxes for the year and now you're wondering what to do with that pile of records, 1099s, ... Read More
5 Reasons to Set Up Your Online Social Security Account

5 Reasons to Set Up Your Online Social Security Account

For many of us, Social Security has a part in our financial plans for retirement or later stage of life ... Read More
Where to live as we age?

Where to live as we age?

One of the most stressful decisions as you age is whether to stay in your current home or consider other ... Read More
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