Insights

Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.

Under the Big Top

Hi everybody, I hope you had a great summer. Today I’m going to talk about something that’s been in the news quite a bit and, to an extent, what is driving the financial markets right now. Yes, we know about the upcoming midterms, the geopolitical chaos and the worries about AI running wild. In the

RMD Changes for IRA Beneficiaries in 2023

Calculating Required minimum distributions, or RMDs, has always been complicated, due to confusing tax rules that depend on the type of beneficiary, when they inherited the account and who was the person they inherited from. The SECURE and CARES Acts that passed in 2019, and their related provisions and IRS rules are adding to the

Qualified Charitable Distribution in 2022? Don’t Forget to Report It

One growing gifting strategy that many investors have utilized is the qualified charitable distribution (QCD). A QCD is a distribution from an IRA for those over the age of 70 ½ issued directly to a charitable organization. The organization receives the full gift and the donor’s taxable income is reduced by the amount of the

Resolutions

I know it’s February, but Happy New Year everybody. Healthy and happy in 2023 is a resolution we should all embrace. With that said, I’m going to suggest 5 more resolutions to make for a more successful financial 2023. 1) Get your estate in order. If you don’t have a will or a trust, make

Why Your Gas Bill Just Went Up

If you receive billing from a gas utility, your January bill was likely an unwelcomed surprise. For many in the U.S., natural gas bills saw significant increases over the past year. Here in southern CA, one of the local utilities, SoCalGas, sent a letter in Jan to customers shortly after sending billing notices to help

New Law Allows Tax-Free 529 Plan Rollovers to Roth IRAs

529 plan savers can now transfer unused funds while keeping the tax benefits. The recently signed $1.7 trillion government spending package has a provision that allows Americans to roll money from a 529 plan to a Roth IRA, free of both income taxes and penalties. The rollover measure will take effect in 2024. The rollover

Phil Albitz on the Steven Spierer Show, December 10, 2022

Thank you for joining us, ladies and gentlemen. We are live Saturdays, 10:00 a.m. Pacific, 01:00 p.m. Eastern from Studio M in Los Angeles, I am Steven Spear. This is talkradio one.com for the 10th day of December, 2022. My email address, Steve at talkradio one. Steve@talkradioone.com if you have a pension plan or a

Current Market Thoughts

There is no doubt that 2022 has been a tough year for the financial markets. This is what a bear market looks like. Since topping out in early January of this year, asset values have been falling across the board. Other than cash, there hasn’t been any where to hide. Stocks, bonds, real estate, even

U.S. Treasury Yields Rise to Highest Levels in Over a Decade

Underlying the market turmoil has been the Fed’s aggressive interest rate increases and the resulting jump in bond yields. In the third quarter, investors saw two more hikes of .75 percentage points, one in July and the other in September. The effective federal funds rate now stands at 3.00%-3.25%, its highest level since 2008. Before

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