Planning Category


  • Checklist

    Check This List –Twice– Before Year-End

    4th Quarter 2018 Shobe Insights As year-end approaches, here are some considerations. If anything has changed related to your income or goals that you’d like to discuss with us, contact us so we can review them with you. Mind Your RMDS Be thoughtful about required minimum distributions (RMDs) to ensure that you comply with the […]

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  • required minimum distributions (RMDs) from tax-deferred retirement

    It’s Time for Baby Boomers RMDs!

    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. […]

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  • Risk

    How Much Risk Can You Take?

    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 […]

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  • Can I Convert my traditional IRA to a Roth IRA in 2018?

      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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  • National 529 Day: What You Need to Know

      College tuition is a big bill to plan for, and even the best savings strategy may leave you struggling to keep pace with the rising cost of higher education. A 529 plan, however, is a different kind of savings plan — one that can not only grow with your child, but helps reduce your […]

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  • How Can I Protect Myself from Digital Deception?

      Imagine that you receive an email with an urgent message asking you to verify your banking information by clicking on a link. Or maybe you get an enticing text message claiming that you’ve won a free vacation to the destination of your choice — all you have to do is click on the link […]

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