How The New Tax and Spending Bill Could Affect You
The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, brings notable changes to federal tax and spending policy that could affect your financial strategy. As your trusted financial partner, we believe it's essential to help you stay informed and prepared.
ESTATE PLANNING: Plan Today. Enjoy Tomorrow.
Estate planning is important to all investors, so we created a video that provides a helpful overview and actionable steps you can take.
The Potential Benefits of Roth IRAs for Kids
Most teenagers probably aren’t thinking about saving for retirement, buying a home, or even paying for college when they start their first jobs. Yet a first job can present an ideal opportunity to explain how a Roth IRA can become a valuable savings tool in the pursuit of future goals.
SPOUSAL INDIVIDUAL RETIREMENT ACCOUNT (IRA)
If you meet certain conditions, you can set up and contribute to an IRA (traditional or Roth) for your spouse, even if he or she receives little or no taxable compensation for the year of the contribution. Such an IRA is commonly referred to as a spousal IRA. A spousal IRA is not, however, a special type of IRA. It is merely a way of describing the fact that you are making a contribution to your spouse's traditional or Roth IRA.
3 Investing Tips for the New Year
A new year is the perfect time to review your investing goals. We’ve listed some simple actions that could make a big difference over time.
The Value of a Long-Term View
Similar to your home, companies have actual economic value despite their stock price on any given day. They are not just pieces of paper or a blip on the computer screen.
Coverdell ESA
Contributing to a child’s ESA will help jump‑start his savings—and give him tax‑free money later—to pay for education expenses.
Inherited IRA
If you’ve inherited an IRA, make sure you understand your options. Because of the IRS rules, your options as an IRA beneficiary depend on certain factors.
IRA and Retirement Plan Distributions
Whether your retirement is close or still a ways off, you may be ready-or required-to put your savings to use. With a retirement plan, you must satisfy certain requirements before taking a distribution, but with an IRA, you can withdraw your IRA assets anytime (subject to possible tax and penalty).
Transfers, Rollovers and Conversions
Your retirement savings accounts are portable: IRA-to-IRA, IRA-to-retirement plan, Retirement plan-to-IRA, Retirement plan-to-retirement plan.
Common Cents Planning
In an ideal world, investors should have at least six months, and as much as two years, of living expenses set aside before they invest in stocks. Although you may not be there yet, it is a worthwhile goal. Having a sufficient cash reserve – in good times and bad – should provide flexibility and allow you to make rational, unforced financial decisions.