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It’s Time for Baby Boomers RMDs!
Posted in: News Articles
In 2016, the first wave of baby boomers turned 70½, and many more reach that milestone in 2017 and 2018. What’s so special about 70½? That’s the age when you must begin taking required minimum distributions (RMDs) from tax-deferred retirement accounts, including traditional IRAs, SIMPLE IRAs, SEP IRAs, SARSEPs, and 401(k), 403(b), and 457(b) plans. […]
Read this articleHow Much Risk Can You Take?
Posted in: Investments
Many market shocks are short-lived once investors conclude the event is unlikely to cause lasting economic damage. Still, major market downturns such as the 2000 dot-com bust and the 2008-09 credit crisis are powerful reminders that we cannot control or predict exactly how, where, or when precarious situations will arise. Market risk refers to the […]
Read this articleMarket Perspectives 4th Quarter
Posted in: Investments
Volatility has reappeared, but don’t lose focus. The third quarter ended strong but recently, the equity markets have experienced some notable fluctuations – a sharp contrast from the steady upward climb we saw in 2017. Concerns about rising U.S. interest rates, trade disputes and the technology sector contributed to declines for all three major […]
Read this articleInfographic: Working in Retirement
Posted in: News Articles
Read the rest of this month’s Quarterly Newsletter here!
Read this articleWhat to do if Your Term Life Insurance Policy is About to Expire
Posted in: Insurance
One advantage of term life insurance is that it is generally the most cost-effective way to achieve the maximum life insurance protection you can afford. Many people first purchase term life insurance to protect their family’s financial interests after a significant life event, such as getting married or the birth of a child. You […]
Read this articleOn the Road to Retirement, Beware of these Five Risks
Posted in: News Articles
On your journey to retirement, you’ll likely face many risks that have the potential to throw you off course. Following are five common challenges retirement investors face. Take some time now to review and understand them before your journey takes an unplanned detour. Traveling aimlessly Setting out on an adventure without a definitive destination can […]
Read this articleWhy Skipping a Generation Can Be a Good Thing
Posted in: Estate
Shobe Insights 3rd Quarter 2018 Why Skipping a Generation Can Be a Good Thing The new tax law, passed in late December, temporarily raised the lifetime exclusion for estate, gift and generation-skipping taxes to just over $11 million per person. The higher exemption, which adjusts for inflation while in effect, sunsets at the end […]
Read this articleMarket Perspectives Q3: Quarterly Recap
Posted in: Investments
Quarterly Recap Major macro factors affecting the economy and financial markets over the next six to twelve months include trade policy, interest rates, earnings growth, Federal Reserve (Fed) policy, and geopolitical uncertainty. The U.S. economy continued to expand at a moderate rate in the first half of 2018, although growth was a bit uneven across […]
Read this articleSocial Security Myths and Misconceptions
Posted in: News Articles
There’s no doubt about it. Filing for Social Security can be daunting. There’s a ton of information – and misinformation – to weed through, as well as the need for some calculations based on several variables. Your benefits depend on your age, how long you’ve worked, what you earned, your marital status and number […]
Read this articleCan I Convert my traditional IRA to a Roth IRA in 2018?
Posted in: News Articles
If you’ve been thinking about converting your traditional IRA to a Roth IRA, this year may be an appropriate time to do so. Because federal income tax rates were reduced by the Tax Cuts and Jobs Act passed in December 2017, converting your IRA may now be “cheaper” than in past years. Anyone can […]
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