Posts Tagged "Newsletter"

Location Optimization: What Does it Mean?

Posted by on Jul 16, 2013 in Financial Focus

A debate has surfaced in our industry over the last few years on what’s being called “location optimization.” Location optimization, or as some call it, “asset location,” is the practice of buying and holding investments based on the tax consequence the asset generates by holding it. For example, an average household’s portfolio may consist of a Traditional IRA, Roth IRA, and a taxable account (joint, trust, etc.). Each of these account types produces far different tax implications. Additionally, each investment in a diversified portfolio produces different tax consequences on a year-to-year...

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Retirement Planning : Social Security Optimization

Posted by on Jul 16, 2013 in Financial Focus, Retirement Planning, Social Security

Retirement age has finally come for many within the baby boom generation. Whether that be a young boomer retiring early at 58, a 62 year old retiring simply because she is finally eligible for Social Security, a 66 year old “hanging it up” because he is eligible for his work pension, or a 69 year old who is simply ready to call it quits. All of these retirees have a very important decision to make, and a decision that many are making without enough thought. That is: when to start Social Security benefits? Contrary to what many believe, retirement age and Social Security age should not always...

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The U.S. Manufacturing Renaissance

Posted by on Jul 12, 2013 in Financial Focus

In developments that are not being widely covered in the press, the manufacturing industry in the United States is in a rebirthing stage. For decades, factory jobs have been disappearing in the U.S. as companies found it more cost effective to “off-shore.” Japan and China were the main benefactors as many workers lost their jobs to overseas factories. A 2012 study by The Boston Consulting Group titled, “U.S. Manufacturing Nears the Tipping Point,” summarizes: “The United States has been losing factory jobs for so long that many observers have all but written off manufacturing as a meaningful...

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Congress Delivers Clarity on Taxes

Posted by on Feb 11, 2013 in Financial Focus

As the end of the 2012 approached, Americans did not know what tax bracket they would fall in for 2013. Investors were also in the dark for the future of dividend and capital gains tax rates. These uncertainties led us to spend an inordinate amount of time discussing taxes in both November and December.

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