Library

Andrew DelMedico, CFP®

Financial Planning Coordinator/Senior Consultant

Financial Planning » Friday Deadline to Claim Under Social Security’s File & Suspend Strategy

April 25, 2016 | Wealth Management

For those eligible, the deadline to claim Social Security’s File and Suspend strategy is Friday, April 29th, 2016. Offering the ability to receive some Social Security benefits early while continuing to accrue larger benefits, the File and Suspend strategy is attractive to retirees because it …

Dana Vosburgh, CFP®

Director of Family Wealth Management

Financial Planning » Retirement Planning: Protecting your Investments against Volatility and Economic Concerns

March 22, 2016 | Wealth Management

For most retirees, investing can be described as a balancing act; dampen market volatility to fund ongoing expenses, but also generate enough growth to fund those expenses for a long period of time and experience volatility along the way. While putting a large portion of a portfolio in savings …

Financial Planning » Contribution Limits, Tax Rates, and More for 2016

January 14, 2016 | Wealth Management

Every year the IRS announces numerous changes to contribution limits and tax rates that are important to know for investing and tax planning purposes. In many cases, the information can be difficult to locate or confusing to break down. With this in mind, we have created a reference guide …

Ethan McKenney, CFP®

Senior Wealth Management Consultant

Library » Required Minimum Distributions from Inherited IRAs

December 18, 2015 | Wealth Management

As the end of the year approaches, it’s important to be aware of certain withdrawal requirements for owners of IRAs. Many may be aware that Required Minimum Distributions (RMDs) from IRAs begin in the year when an IRA owner turns 70½. However, RMDs from Inherited IRAs are treated differently and …

Andrew DelMedico, CFP®

Financial Planning Coordinator/Senior Consultant

Financial Planning » Changing Your State Residency: Tips for NYS Residents

December 14, 2015 | Wealth Management

New York State (NYS) income taxes are among the highest in the country. Furthermore, while NYS estate tax policy has become “friendlier” over the last couple of years, several states have done away with estate taxes completely. As a result, many NYS residents, especially those “snow birds” who …

Dana Vosburgh, CFP®

Director of Family Wealth Management

Financial Planning » Social Security Developments: What You Need to Know

December 01, 2015 | Wealth Management

The Bipartisan Budget Act of 2015, signed into law by President Obama on November 2nd, included a provision that eliminates popular Social Security planning strategies. Below is a brief, general summary of the changes, aimed at closing unintended “loopholes:” The budget act has eliminated the " …

Dana Vosburgh, CFP®

Director of Family Wealth Management

Financial Planning » Tax-Loss Selling Considerations for Investors at Year-End

November 13, 2015 | Wealth Management

As the end of the calendar year approaches, many investors with taxable investment accounts that have realized capital gains during the year consider selling their stocks and/or bonds that are currently at a loss, to offset the gains and reduce the tax consequences. Typically, an investor will …

Endowments & Foundations » Managing Spending Needs in Today’s Low Interest Rate Environment

July 20, 2015 | Wealth Management

Introduction For many investors, the need for current income to support spending needs is a primary investment objective. For example, investors that may place a priority on maintaining stability of current income needs include: High net worth investors in or near retirement Endowment/ …


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