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WP_Query Object ( [query] => Array ( [showposts] => 5 [post_type] => post [post_status] => publish ) [query_vars] => Array ( [showposts] => 5 [post_type] => post [post_status] => publish [error] => [m] => [p] => 0 [post_parent] => [subpost] => [subpost_id] => [attachment] => [attachment_id] => 0 [name] => [pagename] => [page_id] => 0 [second] => [minute] => [hour] => [day] => 0 [monthnum] => 0 [year] => 0 [w] => 0 [category_name] => [tag] => [cat] => [tag_id] => [author] => [author_name] => [feed] => [tb] => [paged] => 0 [meta_key] => [meta_value] => [preview] => [s] => [sentence] => [title] => [fields] => [menu_order] => [embed] => [category__in] => Array ( ) [category__not_in] => Array ( ) [category__and] => Array ( ) [post__in] => Array ( ) [post__not_in] => Array ( ) [post_name__in] => Array ( ) [tag__in] => Array ( ) [tag__not_in] => Array ( ) [tag__and] => Array ( ) [tag_slug__in] => Array ( ) [tag_slug__and] => Array ( ) [post_parent__in] => Array ( ) [post_parent__not_in] => Array ( ) [author__in] => Array ( ) [author__not_in] => Array ( ) [ignore_sticky_posts] => [suppress_filters] => [cache_results] => 1 [update_post_term_cache] => 1 [lazy_load_term_meta] => 1 [update_post_meta_cache] => 1 [posts_per_page] => 5 [nopaging] => [comments_per_page] => 50 [no_found_rows] => [order] => DESC ) [tax_query] => WP_Tax_Query Object ( [queries] => Array ( ) [relation] => AND [table_aliases:protected] => Array ( ) [queried_terms] => Array ( ) [primary_table] => wp_294_posts [primary_id_column] => ID ) [meta_query] => WP_Meta_Query Object ( [queries] => Array ( ) [relation] => [meta_table] => [meta_id_column] => [primary_table] => [primary_id_column] => [table_aliases:protected] => Array ( ) [clauses:protected] => Array ( ) [has_or_relation:protected] => ) [date_query] => [request] => SELECT SQL_CALC_FOUND_ROWS wp_294_posts.ID FROM wp_294_posts WHERE 1=1 AND wp_294_posts.post_type = 'post' AND ((wp_294_posts.post_status = 'publish')) ORDER BY wp_294_posts.post_date DESC LIMIT 0, 5 [posts] => Array ( [0] => WP_Post Object ( [ID] => 64464 [post_author] => 182109 [post_date] => 2022-05-26 09:17:51 [post_date_gmt] => 2022-05-26 14:17:51 [post_content] => When market volatility occurs, it’s completely natural to feel anxious about your finances. This is an uncomfortable time for all investors – seasoned and new. It’s important to remember that market volatility is nothing new, and staying the course is usually the best plan of action. But if you aren’t working with a financial advisor, now may be the right time to get started. They can help you put together a plan that’s designed to weather times like these. Already have an advisor you trust? Great! You’re in good hands. They’re watching what’s going on in the markets and making any adjustments, if necessary. But should you have any questions, always know they’re there to answer them for you. We’ve put together a list of questions that can help get the conversation started – and it begins with something you should be asking yourself.Ask yourself: How much risk am I actually comfortable with?
Times like these can make us all want to pull back a bit on the reigns and take a more conservative approach with our money. But are you reacting to the current volatility (in which case you may want to stay the course)? Or have you experienced a life change such as marriage/divorce or bought a new home? In the latter case, it may be time to adjust. One great way to gauge your risk tolerance is with our Risk Survey. It’s quick and easy to take and it can help you better identify your current mindset. If your risk tolerance has changed, it’s time to reach out to your advisor. That way, they can adjust to your new way of thinking.Ask your advisor: What is the current state of my plan?
Your advisor will most likely start the conversation off by sharing a report detailing how the market decline has affected your portfolio and your plan. This is the time to dig in and really look at what’s going on with your finances. Clarify how the current situation could affect your plan in the near and future terms. Will you need to adjust your budget for living expenses? Or put off retirement for a little while? Having all of the information up-front can help guide the rest of your conversation. Also, look for assets you’ve held for tax reasons that may have imbalanced your portfolio. These assets could have declined enough where you can sell, or losses may be available in other securities to help offset those gains.Ask your advisor: How is my portfolio designed to get me through markets like this one?
Diversification is important even when the markets are performing well, so it’s even more vital in times like these. Your advisor has built your portfolio with a healthy mix of investment types that can help you weather the inherent ups and downs of the market. Rebalancing your portfolio can be helpful in periods like this one. By moving back to the target allocation, you’re naturally buying assets that have gone down the most and selling those that have done well. Keep in mind that sometimes your tax situation may make rebalancing less desirable.Ask your advisor: How do markets with rising interest rates and inflation different from other difficult markets?
Be sure to ask your advisor what they’ve included to help during rising rate environments and times of inflation. Interest rate cycles are measured in decades, not in weeks or months, so it’s important that your portfolio goes beyond just stocks and bonds. Some asset classes may perform well during inflation. But, as with anything, there are pros and cons to hedging for inflation. Talk to your financial advisor about whether this approach fits with your goals and investment style. Because interest rates have increased, the difference between yields from different investments have widened. Moving assets out of your checking or savings account and into an investing account may be a good way to take advantage of higher rates.Your financial advisor is here for you.
Always remember: Your financial advisor is here for you in good times and bad. They can answer your questions and provide objective guidance to keep your mindset fixed on the longer term. If you’re not working with an advisor, now is a great time to get support. Let us help you connect with a professional who will tailor your plan to your existing needs and long-term goals. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Re-balancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional. A diversified portfolio does not assure a profit or protect against loss in a declining market. [post_title] => Talking to Your Financial Advisor During Market Volatility [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => talking-to-your-financial-advisor-during-market-volatility [to_ping] => [pinged] => [post_modified] => 2022-05-27 07:42:16 [post_modified_gmt] => 2022-05-27 12:42:16 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?p=64941 [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [1] => WP_Post Object ( [ID] => 64426 [post_author] => 182131 [post_date] => 2022-05-17 08:36:27 [post_date_gmt] => 2022-05-17 13:36:27 [post_content] => By Craig Lemoine, Director of Consumer Investment ResearchSuppose last year you went grocery shopping and filled your cart with $100 worth of items. This year, you went to the same store and bought the same items – this time, the bill rang up at $107.50. The difference of $7.50 represents an increase in average consumer goods and services. Divided by the original period ($100), it illustrates a 7.5% inflation rate. Inflation is the loss in purchasing power due to the increase in costs of goods and services in an economy. The Federal Reserve’s long term inflation target is 2%, allowing for some years of lower consumer inflation and some years of higher inflation. When inflation surges, the Federal Reserve has tools to help cool off the economy, including raising interest rates and selling treasury notes. Both tools are intended to raise the cost of borrowing, causing businesses and local governments to spend less, effectively turning a release valve on inflation pressure. Inflation is a lagging indicator. Traditionally, inflation lags real gross domestic product growth and economic recoveries. When America reaches full employment, wages rise higher. Higher wages coupled with greater spending power traditionally push prices upward. Historically, inflation has followed our economy returning to health. In the United States, inflation is measured through the Consumer Price Index. The CPI measures the difference in what we pay for goods and services over time and is reported monthly. The CPI is weighted based on an average urban household, which may be different than inflation experienced by a particular person. For example, a retiree may consume more medical care and less education than an average family, creating a unique inflation rate for that family. CPI provides a reference point for inflation but is not absolute across all consumers. Inflation leads to a reduction in spending power over time. If 20 years ago an apple cost 50 cents, the same piece of fruit would cost $1.32 today.Different Types of Inflation
Inflation takes many different forms, some more potentially devastating than others.
- Transitory Inflation is temporary inflation, caused by a spike, bottleneck or rush on a commodity or consumer good. Transitory inflation may be the result of political pressure and global conflict, which will resolve as the conflict ends or supply chains reemerge.
- Hyperinflation is a worst-case inflation scenario. Hyperinflation is a product of loss of confidence in a country’s central currency. In the 1920s, Germany experienced a 30,000% monthly inflation rate, as the world devalued the German Mark.
- Stagflation occurs when prolonged price growth exceeds real GDP growth. Stagflation is challenging because traditional tools to fight inflation – such as increasing the discount rate – lead to higher unemployment. The United States saw a period of stagflation in the late 1970s.
- Deflation occurs when prices drop. Price drops may be the result of a recession, where demand falls consistently over time. Deflation tends to occur by sector and is often transitory.
- Creeping inflation is a term generally used to describe prices increasing 0-3% annually. Consumers may not notice these price increases that often keep up with wage growth.
- Walking inflation is a term generally used to describe prices increasing 3-10% annually. Consumers may hoard inelastic goods, raising prices further. A combination of rationing, monetary and fiscal policy may be needed to combat walking inflation.
- Core inflation measures the rise in prices except for food and energy. Food and energy tend to be more volatile and removing those elements from an inflation calculation provides a steadier growth rate.
Tips to Beat Inflation
Inflation is particularly troubling when prices rise higher and faster than wages. When rent, food and transportation costs exceed wage growth, inflation becomes painful.- Consider your investments. Historically, precious metals, commodities, large-company “blue chip” stocks, I-bonds and real estate investment trusts (REITs) securities have held their value better than riskier assets during higher inflationary periods. Bond values tend to fall when interest rates rise, though their yields increase. Talking with an investment adviser will help you develop a portfolio that considers inflationary pressure in line with your financial goals.
- Review your budget and personal spending. Inflation gives families a great opportunity to sit down and talk about budgets. Are there streaming or subscription services you no longer use? Can you change your ratio between groceries, takeout and meal kits? Shave off ancillary costs where you can.
- Get strategic with your emergency fund. Financial planners tend to recommend keeping three to six months in savings to help protect from unemployment or other unforeseen costs. This can be tricky when the average interest paid on savings accounts remains less than 1.0%. i As you skim down your budget, you should be able to recalculate your emergency fund. Also consider laddering CDs or I-Bonds for a portion of your emergency fund. Talk with your financial adviser about building a custom plan for your emergency fund.
- Revisit your financial goals. Meet with a financial planner to talk about college savings, your retirement or other long-term goals. Cost shocks may create a need to adjust your savings and spending goals.
Looking at Your Life Insurance Program
A professional can help you determine whether you need term or permanent life insurance. People who overestimate the cost of insurance might be more comfortable with a less-expensive term policy. Coverage is likely needed, and it’s better to have coverage at a lesser rate with term than no coverage at all. When you look at your life insurance program, the things that should guide it are life events. There are a handful of major life events where you should consider getting a policy or updating one if you already have it. Major life events include getting married, having or adopting a child, becoming a stay-at-home parent, getting a divorce, getting a new job, starting a business or becoming self-employed, buying a house, caring for aging parents, sending kids to college and entering retirement. Depending on when those events happen, you could also walk through the age discussion.A Deeper Dive into Common Life Events
Let’s take a deeper dive into the three common life events.Buying a Home
Your home is one of the biggest assets you’ll ever purchase, and it takes a long time to pay for it. A 30-year mortgage is still a very common way to purchase a home, and insurance provides the leverage to ensure your family stays in the home. You bought your home for a reason – it’s likely in the neighborhood you wanted, the school system you wanted your kids to attend – and you don’t want to run the risk of having that family harmony disrupted. You want to make sure that if something happens to you, your family can stay in the home, stay in the same neighborhood, stay in the same school and that your spouse stays close to any support system they’ve built near their house. That’s why you protect that asset and ensure there’s an infusion of dollars when you need it the most. Any time you take on a new mortgage, you want to ensure your surviving spouse can pay for the house when you’re not there.Having Kids
When you have kids, you need to evaluate your insurance coverage. When you’re young and just getting started, you might think your spouse or partner can handle things on their own, so you don't give life insurance much consideration. But when you have kids, you’ve added an extra element. Whether it’s one child or multiple, your financial obligation goes up. You have to think about things like paying for childcare, ongoing expenses associated with raising kids and saving for college.New Job or Promotion
When you get a new job or a promotion, you’ll likely have a higher income. When your income increases, oftentimes your social economic landscape might change. You might have more debt obligation from buying a bigger house, and you have more income to protect. Families get accustomed to lifestyles based, on income and as incomes increase, those lifestyles will potentially change along with them. You want to make sure your coverage is compensatory to your higher income.Insurance as Part of College and Retirement Planning
Life insurance policies can also be used as additional retirement savings vehicles. Unlike a qualified retirement plan – where the government tells you how much to put in, how much to take out and when to take it out – with a properly funded life insurance policy, you can put in as much as you want based on the policy, and there is no limit as to when you can take it out. For example, nobody will stipulate that you have to take it out at age 72½. In comparing saving this way to a Roth IRA, the income stream could be income-tax free if it’s structured properly. The plan would pay a death benefit to beneficiaries if it wasn't used as a retirement savings vehicle, as initially intended. If you have kids, you can use certain policies as part of an approach to saving for college. If your child is already 15, it might be too late to incorporate this strategy as you won’t have enough time to plan for the cash value to “cook.” But if you do have the time, a professional can help you structure a policy as part of your college planning strategy. If you’re a parent funding college, you could use a life insurance policy’s cash value dollars tax-free to pay for a portion of college – maybe room, board or books. It’s best to have this be part of a broader strategy that includes other elements, like 529 plans. For example, for our two kids in college, we used 529 plans for the bulk of our planning, but as a reserve, we have a permanent life insurance policy that has cash value set aside. So if we don’t have enough, we could use this as a secondary source of college funding.Are You Underinsured?
Oftentimes people don’t take into account all their needs and compare those with the coverage you have. You might be going off what your colleagues or friends are doing, or you might be going off what you see or hear on TV ads. Professional help and a formal needs analysis would be ideal, but to get a quick gauge on whether you have enough coverage, look at four elements:- Debt obligations. First look at your debt obligations, including your mortgage and short-term loans (like car loans).
- Your age. For example, if you are in your early 40s and want to retire in your 60s, you might need to plan to replace 20 years of your income to protect your family should something happen to you.
- Kids. Do you have kids that you need to pay for childcare or college costs should something happen to you?
- Whether you have reserves. Do you have some cash to fall back on? If not, you might need more coverage.
Fixed, Discretionary and One-Time Expenses in Retirement
The first step of creating a retirement budget is to list all expected expense and then sort them into one of three categories:- Fixed expenses are typically the non-negotiables of your budget. Do you have a mortgage? What does your average electric bill look like? Do you plan on paying for health insurance before Medicare starts? Listing out these expenses can be helpful in determining the minimum level of income you’ll need; it may also lend a hand in choosing your retirement income strategy.
- Discretionary expenses are what make retirement fun. Are you looking forward to spending quality time with your grandkids during the summers? Do you enjoy working on DIY projects around the house? Discretionary items are distinct in that, should situations warrant, they could be minimized or altogether cut. What’s discretionary to one person may be fixed for another, so if you find yourself unwilling to cut some of these expenses, go ahead and either sort them in order of priority or add an asterisk (*) next to those that are least negotiable.
- One-time or large purchases are those things that you’ve been saving for retirement. New countertops for the kitchen? How about that Alaskan cruise you’ve always talked about?
The Margin – Setting a Baseline
Many well-intentioned clients and their advisors have gone through this process only to find themselves off-target. Why was it that the most detailed Excel spreadsheets seemed to fall short, while others that were more loose-fitting hit their mark? After studying dozens of client situations, the answer came in the margin. Income – Savings - Actual Expenses = Margin Or stated another way: Income - Savings - Margin = Actual Expenses When my client who called had created their retirement budget, she was very good at listing out all of their fixed expenses. But their discretionary budget was hopeful, at best. Although they thought they had done a great job creating their budget, they had never actually lived on that amount. And they’re not alone! Sure, there are some people who are natural-born savers, but for the average person, our budget ends up being whatever is deposited into our checking accounts. Add on the occasional raise and the annual cost-of-living adjustments and it’s not hard to see that the budget was now 30-40% higher due to “lifestyle creep” spending that filled up the margin. Let's put some numbers to this. Prior to retirement, my clients earned about $150,000 (income), from which they contributed approximately $25,000 through their employer-sponsored plans (savings). At the end of each month, they put whatever monies were left into their joint account, which averaged approximately $750 per month (margin). My client had told me that she expected that they could live on $4,500 per month or $54,000 per year. But how did that actually match their current situation? In reality, the couple was spending more than $72,000 per year – 33% more than their projected budget of $54,000. When they both finally retired and began living off the $4,500 per month, they quickly found themselves with more “month” than they had money and subsequently began tapping into cash reserves. In addition, new home projects, higher utility usage and more frequent trips to their favorite restaurant downtown had increased their discretionary spending, further accelerating their portfolio distributions. Had we first investigated the margin rather than asking the client to itemize her projected expenses, we would have had a clearer idea of the actual cost of their current lifestyle. This approach prioritizes being realistic on what your current spending looks like before determining whether your sources of income can support your current lifestyle.Dress Rehearsal for Retirement
In an ideal world, everyone would retire with the same level of income as their final working years, or better. But quite often people must make sacrifices to give their finances the best shot at funding a 20-, 30- or 40-year time horizon. For clients who will likely need to reduce their spending in retirement, I recommend a dress rehearsal. No show on Broadway would go live without doing a dress rehearsal first, so why not see how your retirement budget performs before going live with retirement? To start, have your paycheck deposited into a separate account from that which you normally spend or withdraw money. Ideally, paychecks would be directed first into your savings account. Then, a recurring transfer deposits your budgeted amount into your checking. If you're able to customize the timing of your transfers, try to replicate the cadence of your current paychecks like on the 1st and 15th of every month. Did you end the month with excess cash? Or did you have more “month” than you had money? Over the course of a few months, you’ll be able to recognize your spending patterns. This information can help you adjust your retirement budget to ensure that it more closely matches your actual spending.Is Your Retirement Income Stream and Retirement Spending Sustainable?
Now that you’ve determined the cost of your current lifestyle relative to your fixed expenses and tested your budget during the dress rehearsal of your retirement, you can begin thinking of whether your sources of income can sustain this level of spending through a 20-, 30- or 40-year retirement. If you need help formulating your retirement budget or adjusting your plan, reach out to your advisor or schedule a consultation. [post_title] => Don’t Blow Your Budget! Tips to Create Your Retirement Spending Plan [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => dont-blow-your-budget-tips-to-create-your-retirement-spending-plan [to_ping] => [pinged] => [post_modified] => 2022-05-02 08:02:23 [post_modified_gmt] => 2022-05-02 13:02:23 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?p=64890 [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [4] => WP_Post Object ( [ID] => 64368 [post_author] => 182131 [post_date] => 2022-04-25 12:16:15 [post_date_gmt] => 2022-04-25 17:16:15 [post_content] => By Craig Lemoine, Director of Consumer Investment ResearchStocks, bonds and mutual funds have had a rocky start to the year. The S&P 500, a broad measure of the United States stock market, was down 4.6% over the first quarter. Mutual funds holding stocks and bonds have also lost value. These losses are jarring following an outstanding 2021, where the S&P 500 gained just under 30%. Why the exhale? The balloon was blown up too quickly. Understanding why your IRA or 401(k) has suddenly lost value requires taking a step into the past.
- Persistent Inflation – A combination of COVID-caused supply chain issues, low unemployment, wage increases and global political uncertainty is clobbering inflation. Rising prices for food (6.3% the last 12 months ending December 2021), energy (29.3%) and all other items (5.5%) have taken their toll on budgets. Recent unemployment numbers are 3.6%, lower than pre-COVID levels. Fewer Americans searching for jobs, coupled with pandemic driven child-care hurdles, have pushed wages higher. Higher wages couple with higher input prices (lumber, steel, commodities, energy), pressuring producers to raise prices. These prices ripple down the supply chain to stores nearby. Inflation has caused the market to pause and raised questions about sustainability and fundamental assumptions around growth.
- Are We Back to Work Yet? – The COVID-19 omicron variant threw a meaningful hurdle into America’s return to work. Plans to phase back in in-person workforces, employees finding a groove working from home, commuting and traveling were all affected. Sudden economic shifts for any reason add to volatility and, in this case, challenge recovery estimates from last year. Equities have stumbled as future revenue, business model and sales projections have been challenged.
- The Federal Reserve is Raising Interest Rates to Help Combat Inflation – The Federal Reserve is a governing body for the United States banking system. It has three primary goals: maximize employment, stabilize prices and moderate long-term interest rates. Prices have been anything but stable. The Federal Reserve is raising rates on money it lends to member banks, which will in turn raise rates companies and retail investors are charged when they borrow. Ratcheting up rates will slow down the economy and result in additional adjustments to profitability, revenue and business model expectations. These adjustments have pushed stock prices lower.
- Bond Prices Fall When Interest Rates Rise – An economic concept called duration explains the relationship between interest rates and bond prices. Duration can be tricky – take an example of a car company borrowing money. The company plans on using the money to build a new manufacturing facility, and plans on paying it back over 10 years. The company could sell bonds, borrowing money from consumers and paying them back some type of interest every year. At the end of 10 years, the company would pay back the initial loans.
- Uncertainty Feeds Volatility – Stock and bond markets thrive on knowing what will come next. Predictable stability helps companies forecast, make strategic decisions and execute business plans. Stability helps predict future revenue and income, which provides a framework for equity prices. Uncertainty constantly challenges this framework and casts a deeper shadow on assets with risk. More volatile assets, such as bitcoin and tech stocks, have been subject to steeper losses than their more predictable contemporaries.
Ask yourself: How much risk am I actually comfortable with?
Times like these can make us all want to pull back a bit on the reigns and take a more conservative approach with our money. But are you reacting to the current volatility (in which case you may want to stay the course)? Or have you experienced a life change such as marriage/divorce or bought a new home? In the latter case, it may be time to adjust. One great way to gauge your risk tolerance is with our Risk Survey. It’s quick and easy to take and it can help you better identify your current mindset. If your risk tolerance has changed, it’s time to reach out to your advisor. That way, they can adjust to your new way of thinking.Ask your advisor: What is the current state of my plan?
Your advisor will most likely start the conversation off by sharing a report detailing how the market decline has affected your portfolio and your plan. This is the time to dig in and really look at what’s going on with your finances. Clarify how the current situation could affect your plan in the near and future terms. Will you need to adjust your budget for living expenses? Or put off retirement for a little while? Having all of the information up-front can help guide the rest of your conversation. Also, look for assets you’ve held for tax reasons that may have imbalanced your portfolio. These assets could have declined enough where you can sell, or losses may be available in other securities to help offset those gains.Ask your advisor: How is my portfolio designed to get me through markets like this one?
Diversification is important even when the markets are performing well, so it’s even more vital in times like these. Your advisor has built your portfolio with a healthy mix of investment types that can help you weather the inherent ups and downs of the market. Rebalancing your portfolio can be helpful in periods like this one. By moving back to the target allocation, you’re naturally buying assets that have gone down the most and selling those that have done well. Keep in mind that sometimes your tax situation may make rebalancing less desirable.Ask your advisor: How do markets with rising interest rates and inflation different from other difficult markets?
Be sure to ask your advisor what they’ve included to help during rising rate environments and times of inflation. Interest rate cycles are measured in decades, not in weeks or months, so it’s important that your portfolio goes beyond just stocks and bonds. Some asset classes may perform well during inflation. But, as with anything, there are pros and cons to hedging for inflation. Talk to your financial advisor about whether this approach fits with your goals and investment style. Because interest rates have increased, the difference between yields from different investments have widened. Moving assets out of your checking or savings account and into an investing account may be a good way to take advantage of higher rates.Your financial advisor is here for you.
Always remember: Your financial advisor is here for you in good times and bad. They can answer your questions and provide objective guidance to keep your mindset fixed on the longer term. If you’re not working with an advisor, now is a great time to get support. Let us help you connect with a professional who will tailor your plan to your existing needs and long-term goals. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Re-balancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional. A diversified portfolio does not assure a profit or protect against loss in a declining market. [post_title] => Talking to Your Financial Advisor During Market Volatility [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => talking-to-your-financial-advisor-during-market-volatility [to_ping] => [pinged] => [post_modified] => 2022-05-27 07:42:16 [post_modified_gmt] => 2022-05-27 12:42:16 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?p=64941 [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [comment_count] => 0 [current_comment] => -1 [found_posts] => 343 [max_num_pages] => 69 [max_num_comment_pages] => 0 [is_single] => [is_preview] => [is_page] => [is_archive] => [is_date] => [is_year] => [is_month] => [is_day] => [is_time] => [is_author] => [is_category] => [is_tag] => [is_tax] => [is_search] => [is_feed] => [is_comment_feed] => [is_trackback] => [is_home] => 1 [is_privacy_policy] => [is_404] => [is_embed] => [is_paged] => [is_admin] => [is_attachment] => [is_singular] => [is_robots] => [is_favicon] => [is_posts_page] => [is_post_type_archive] => [query_vars_hash:WP_Query:private] => 6b5c18c1252b6c6a9f5f8613c74e0017 [query_vars_changed:WP_Query:private] => [thumbnails_cached] => [stopwords:WP_Query:private] => [compat_fields:WP_Query:private] => Array ( [0] => query_vars_hash [1] => query_vars_changed ) [compat_methods:WP_Query:private] => Array ( [0] => init_query_flags [1] => parse_tax_query ) [tribe_is_event] => [tribe_is_multi_posttype] => [tribe_is_event_category] => [tribe_is_event_venue] => [tribe_is_event_organizer] => [tribe_is_event_query] => [tribe_is_past] => )What to Do About Inflation’s Impact on Your Finances
Don’t Blow Your Budget! Tips to Create Your Retirement Spending Plan
Five Reasons Your IRA is Deflating, and What to Do About It
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But how do you know what type of policy to choose and if it will adequately cover your needs? This resource helps you identify your insurance goals, offers basic guidance on how to pick the optimal policy and outlines when to work with your professional to update your coverage. Download the checklist today to get started. [post_title] => How to Pick an Insurance Policy [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => how-to-pick-an-insurance-policy [to_ping] => [pinged] => [post_modified] => 2022-05-10 08:53:25 [post_modified_gmt] => 2022-05-10 13:53:25 [post_content_filtered] => [post_parent] => 0 [guid] => https://cloud.carsonmx.com/resource?brandid=&guidekey=when-shifting-goals-mean-shifting-plans [menu_order] => 0 [post_type] => free-guides [post_mime_type] => [comment_count] => 0 [filter] => raw ) [1] => WP_Post Object ( [ID] => 64340 [post_author] => 90034 [post_date] => 2022-04-08 09:46:54 [post_date_gmt] => 2022-04-08 14:46:54 [post_content] => Your retirement is the culmination of years of careful planning, and you don't want to fumble the ball when the end zone is in sight. Download our checklist of key tasks to complete in the year leading up to your retirement to make sure you're prepared for this major life milestone. Download the checklist today to get started. [post_title] => What You Need to Do in the Year Before You Retire [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => what-you-need-to-do-in-the-year-before-you-retire [to_ping] => [pinged] => [post_modified] => 2022-04-27 13:49:07 [post_modified_gmt] => 2022-04-27 18:49:07 [post_content_filtered] => [post_parent] => 0 [guid] => https://cloud.carsonmx.com/resource?brandid=&guidekey=when-shifting-goals-mean-shifting-plans [menu_order] => 0 [post_type] => free-guides [post_mime_type] => [comment_count] => 0 [filter] => raw ) [2] => WP_Post Object ( [ID] => 64468 [post_author] => 181142 [post_date] => 2022-02-15 18:33:23 [post_date_gmt] => 2022-02-15 23:33:23 [post_content] => Health care costs in retirement aren't going anywhere. Naturally, as our bodies get older, it costs more to keep them running. And with U.S. health care spending expected to rise at a rate 1.1% faster than the annual GDP, this cost will come home to our pockets. Statistics like this make Medicare part of life for many Americans. Let's look at the parts of this vital program and how it plays a part in your financial plan. Download the checklist today to get started. [post_title] => Medicare and Managing Health Care Costs in Retirement [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => medicare-and-managing-health-care-costs-in-retirement [to_ping] => [pinged] => [post_modified] => 2022-05-26 14:17:44 [post_modified_gmt] => 2022-05-26 19:17:44 [post_content_filtered] => [post_parent] => 0 [guid] => https://pages.carsonwealth.com/LDqAAO_resource?guidekey=health-care-costs-in-retirement [menu_order] => 0 [post_type] => free-guides [post_mime_type] => [comment_count] => 0 [filter] => raw ) [3] => WP_Post Object ( [ID] => 64469 [post_author] => 181142 [post_date] => 2022-01-05 09:43:27 [post_date_gmt] => 2022-01-05 14:43:27 [post_content] => Your plan shouldn't look the same when you’re 55 as it did when you were 35, and part of that is because you have ever-changing goals. So how do you know when it’s time to adjust your financial plan? Use this checklist to evaluate your goals and decide when it's time to contact your advisor for an update. Download the checklist today to get started. [post_title] => When Shifting Goals Mean Shifting Plans [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => when-shifting-goals-mean-shifting-plans [to_ping] => [pinged] => [post_modified] => 2022-05-26 16:13:56 [post_modified_gmt] => 2022-05-26 21:13:56 [post_content_filtered] => [post_parent] => 0 [guid] => https://pages.carsonwealth.com/LDqAAO_resource?guidekey=when-shifting-goals-mean-shifting-plans [menu_order] => 0 [post_type] => free-guides [post_mime_type] => [comment_count] => 0 [filter] => raw ) [4] => WP_Post Object ( [ID] => 64471 [post_author] => 55227 [post_date] => 2021-12-03 09:00:42 [post_date_gmt] => 2021-12-03 14:00:42 [post_content] => Over the last year, we experienced an economic recovery from an ongoing global pandemic, new and pending legislation that affected taxes and retirement planning, and more. So as you prepare to file your 2021 taxes, don't just pack a folder with receipts and important documents. Consider these changes, and look to take advantage of tax opportunities. Download the checklist today to get started. [post_title] => Tax Planning Checklist [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => 2022-tax-planning-checklist [to_ping] => [pinged] => [post_modified] => 2022-05-26 16:22:36 [post_modified_gmt] => 2022-05-26 21:22:36 [post_content_filtered] => [post_parent] => 0 [guid] => https://pages.carsonwealth.com/LDqAAO_resource?guidekey=tax-planning-checklist [menu_order] => 0 [post_type] => free-guides [post_mime_type] => [comment_count] => 0 [filter] => raw ) ) [post_count] => 5 [current_post] => -1 [in_the_loop] => [post] => WP_Post Object ( [ID] => 64396 [post_author] => 90034 [post_date] => 2022-05-09 14:08:58 [post_date_gmt] => 2022-05-09 19:08:58 [post_content] => Life insurance plans are designed to offer your family an infusion of income in the event of your death, so your loved ones won't have to worry about finances while they are grieving. But how do you know what type of policy to choose and if it will adequately cover your needs? This resource helps you identify your insurance goals, offers basic guidance on how to pick the optimal policy and outlines when to work with your professional to update your coverage. Download the checklist today to get started. 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Resources
Resources
How to Pick an Insurance Policy
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- The S&P 500 declined for the seventh straight week and narrowly missed entering a bear market.
- Retail sales climbed 0.9% showing the consumer remains willing to buy items even as prices have increased.
- Retailers struggled with higher labor and shipping costs and uncertain supply chains. Earnings dropped while sales increased.




- The S&P 500 declined for the sixth straight week.
- Consumer prices rose 0.3% last month. The annual inflation rate declined for the first time since 2021.
- Approximately 85% of S&P 500 companies have cited inflation as a factor on earnings calls.


Inflection Point 1: COVID-19 Shifts From a Pandemic to an Endemic
COVID has had an incalculable amount of destruction on this world. The loss of life. The economic impact on businesses. The cancelled opportunities and memories with friends and families. It’s been a tough two years. But what we are likely going through right now is the inflection point of COVID going from a pandemic (widespread, simultaneous uncontrolled infectious disease) to an endemic, where the virus may remain a significant health threat but it becomes more seasonal and predictable similar to other communicable diseases. And while this inflection point of a pandemic unfolds, right now we are living through the by-products that affect way more than just our health. The reopening of the world post-pandemic is one of the major reasons that inflation is surging. The combination of businesses trying to get back up to speed after being shuttered through the pandemic (picture a car that hasn’t started in a year trying to get going again), mixed with the pent-up demand of Americans ready to upgrade the house they’ve been confined to, go on a vacation, or get a new car, is creating an inbalance of supply and demand that is putting pressure on prices of everything from eggs to airfare to housing. And the result is the highest inflation rates in four decades. Chart 1: Inflation at Multi-Decade High







Inflection Point 2: Policies Shift From a Tailwind to a Headwind
Another inflection point is the shift from accommodating aid from governments and agencies to a new environment of hawkish and tightening policy. In other words, the spiked punch at the economic recovery party is being replaced with black coffee. Fiscal spending, which was trillions in aid, has come to an end. And now, monetary policy from the Federal Reserve is in its inflection point from the tailwind of near-zero interest rates to the perceived headwinds of tighter financial conditions. Chart 5: The Fed’s Path to More a Normalized Rate Environment

Inflection Point 3: The Four-Year Presidential Cycle Hits its Mid-Point
The endless swarm of political ads are coming. So is the rhetoric from both sides of the aisle that things are bad and need changing. This brings more than just ramped-up political tensions. This inflection point serves as a level of uncertainty for markets regarding the future path of policy and the make-up of decision-makers. As a result, the second of the four-year presidential cycle is usually the most volatile leading up to the mid-term elections. Chart 6: The Mid-Term Year Is the Most Challenging of the Presidential Cycle



Conclusion
It’s important to note that market volatility is both commonplace and healthy, especially after the greater-than-100% rally in stocks following the pandemic lows just over two years ago. In fact, since 1980 every single year has seen a pullback in stock prices, with the average being around a 14% decline. And while market dislocations are never a pleasant experience, they have rewarded patient, long-term investors with attractive entry points. Of the 33 market corrections since 1980, 90% of them saw gains over the following year – averaging ~25%. Our view remains that we are near or even past the peak of inflation and with a limited but swift series of interest rate hikes, the Fed can curb inflation further while creating a soft landing for the economy. Furthermore, the market is unsettled, having to deal with three or more simultaneous inflection points that are driving uncertainty and volatility. But as these shifts unfold through the rest of 2022, we expect equity markets to stabilize and reverse course. We continue to stress that the best course of action is patience and sticking to your investment plan, which has incorporated anticipation of volatility like we’re facing today. If history has proved anything it’s that the market, like most things in life, is more fragile than we might expect in the face of uncertainty over the short run. But it’s far more resilient over the long run than we often give it credit for. Evidence of this stands right before us given the realization of just how far we have come since the pandemic’s onslaught two years ago. Then, it was the inundation of cancellations – everything from shuttered workplaces to closed schools, cancelled graduations and public gatherings. But our optimism for the near-term future was never cancelled. Neither was our hope. The long-term prosperity of America remains, as do the attractive prospects for long-term investors that patiently benefitted from the market’s recovery and our nation’s healing. Our future was never cancelled, and it certainly isn’t today. It has just ignited our resolve. This newsletter was written and produced by CWM, LLC. Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The views stated in this letter are not necessarily the opinion of any other named entity and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. [post_title] => Special Market Commentary: What's Stressing Out Stocks? These Market Inflection Points [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => special-market-commentary-whats-stressing-out-stocks-these-market-inflection-points [to_ping] => [pinged] => [post_modified] => 2022-05-13 14:01:41 [post_modified_gmt] => 2022-05-13 19:01:41 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=market-commentary&p=64908 [menu_order] => 0 [post_type] => market-commentary [post_mime_type] => [comment_count] => 0 [filter] => raw ) [3] => WP_Post Object ( [ID] => 64391 [post_author] => 90034 [post_date] => 2022-05-09 09:04:12 [post_date_gmt] => 2022-05-09 14:04:12 [post_content] => Market volatility surged last week, although the end result for the S&P 500 was a decline of only 0.2%. Central banks were the main culprits for the volatility. On Wednesday, the Federal Reserve announced it would raise rates 0.5% and clarified plans on how it will shrink its balance sheet. In the subsequent press conference, Fed Chair Jay Powell announced there are no plans for rate increases of 0.75% in a single meeting. Those comments contributed to a sharp rally in the S&P 500, which increased almost 3% on Wednesday. Key Points for the Week- Stocks surged and sagged after interest rate hikes and comments from the U.S. and U.K. central banks produced far different market reactions.
- The U.S. economy produced 428,000 jobs in April, beating expectations and reassuring investors the economy remains relatively strong. Unemployment held steady at 3.6% and labor force participation dropped 0.2%.
- Demand for labor remains robust as job openings and quits set record highs in March.


- There are no plans to raise rates by 0.75% based on the current environment, which reduces the risk the Fed will raise rates too fast and push the economy into a recession.
- The Fed’s plan to reduce its balance sheet is faster than expected and was viewed positively as a way to reduce inflation without having to raise interest rates too quickly.
- Powell stated the Fed is looking to raise rates when inflation is controlled, rather than raise them past neutral and force a recession to remove inflationary pressures.
- The Fed remains confident it can engineer a “soft or softish landing,” meaning the economy would slow and avoid a severe recession.
- The vote was unanimous.
- Equities struggled and suffered a fourth consecutive week of losses, with growth fears and weak Q1 earnings providing the largest headwinds.
- The S&P 500 is now down 13.5% from its recent peak, with Friday’s close the lowest in 2022.
- GDP came in below expectations, but it was mostly driven by reduced inventories and weak exports.


- The S&P 500 declined for the seventh straight week and narrowly missed entering a bear market.
- Retail sales climbed 0.9% showing the consumer remains willing to buy items even as prices have increased.
- Retailers struggled with higher labor and shipping costs and uncertain supply chains. Earnings dropped while sales increased.






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[post_title] => Leveraging Life Insurance as a Financial Planning Tool [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => leveraging-life-insurance-as-a-financial-planning-tool [to_ping] => [pinged] => [post_modified] => 2022-05-23 08:39:26 [post_modified_gmt] => 2022-05-23 13:39:26 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64929 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) [1] => WP_Post Object ( [ID] => 64436 [post_author] => 90034 [post_date] => 2022-05-19 14:34:05 [post_date_gmt] => 2022-05-19 19:34:05 [post_content] => Watch this webinar hosted by Carson’s Jamie Hopkins, Managing Partner, Wealth Solutions, and Burt White, Managing Partner and Chief Strategy Officer, as they obtain valuable insights into staying strong during market uncertainty. [post_title] => Staying Strong During Market Uncertainty [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => q2-2022-quarterly-market-outlook-2 [to_ping] => [pinged] => [post_modified] => 2022-05-19 14:38:10 [post_modified_gmt] => 2022-05-19 19:38:10 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64927 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) [2] => WP_Post Object ( [ID] => 64359 [post_author] => 90034 [post_date] => 2022-04-25 07:45:15 [post_date_gmt] => 2022-04-25 12:45:15 [post_content] => Watch this webinar hosted by Carson’s Scott Kubie, Senior Investment Strategist, and Patrick Sittner, Portfolio Strategist, as they cover this quarter's market outlook. [post_title] => Q2 2022: Quarterly Market Outlook [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => q2-2022-quarterly-market-outlook [to_ping] => [pinged] => [post_modified] => 2022-04-25 07:45:15 [post_modified_gmt] => 2022-04-25 12:45:15 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64876 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) [3] => WP_Post Object ( [ID] => 64338 [post_author] => 90034 [post_date] => 2022-04-08 11:32:46 [post_date_gmt] => 2022-04-08 16:32:46 [post_content] => Watch this webinar hosted by Carson’s Managing Partner, Wealth Solutions, Jamie Hopkins, as he covers taxation in retirement. [post_title] => Taxation in Retirement [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => college-savings-tactics-for-the-savvy-investor-2 [to_ping] => [pinged] => [post_modified] => 2022-04-08 11:32:46 [post_modified_gmt] => 2022-04-08 16:32:46 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64864 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) [4] => WP_Post Object ( [ID] => 64307 [post_author] => 90034 [post_date] => 2022-03-18 13:52:56 [post_date_gmt] => 2022-03-18 18:52:56 [post_content] => Watch this webinar hosted by Carson’s Managing Partner, Wealth Solutions, Jamie Hopkins, and Planner, Ryan Yamada, as they cover college savings tactics for the savvy investor. [post_title] => College Savings Tactics for the Savvy Investor [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => college-savings-tactics-for-the-savvy-investor [to_ping] => [pinged] => [post_modified] => 2022-03-18 13:52:56 [post_modified_gmt] => 2022-03-18 18:52:56 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64829 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) ) [post_count] => 5 [current_post] => -1 [in_the_loop] => [post] => WP_Post Object ( [ID] => 64440 [post_author] => 90034 [post_date] => 2022-05-23 08:16:59 [post_date_gmt] => 2022-05-23 13:16:59 [post_content] => Watch this webinar hosted by Carson’s Matt Lewis, Vice President, Insurance, and Tom Fridich, Senior Wealth Planner, as they dive into leveraging life insurance as a financial planning tool. [post_title] => Leveraging Life Insurance as a Financial Planning Tool [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => leveraging-life-insurance-as-a-financial-planning-tool [to_ping] => [pinged] => [post_modified] => 2022-05-23 08:39:26 [post_modified_gmt] => 2022-05-23 13:39:26 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=videos&p=64929 [menu_order] => 0 [post_type] => videos [post_mime_type] => [comment_count] => 0 [filter] => raw ) [comment_count] => 0 [current_comment] => -1 [found_posts] => 77 [max_num_pages] => 16 [max_num_comment_pages] => 0 [is_single] => [is_preview] => [is_page] => [is_archive] => [is_date] => [is_year] => [is_month] => [is_day] => [is_time] => [is_author] => [is_category] => [is_tag] => [is_tax] => [is_search] => [is_feed] => [is_comment_feed] => [is_trackback] => [is_home] => 1 [is_privacy_policy] => [is_404] => [is_embed] => [is_paged] => [is_admin] => [is_attachment] => [is_singular] => [is_robots] => [is_favicon] => [is_posts_page] => [is_post_type_archive] => [query_vars_hash:WP_Query:private] => 96457fda42cbc90be6c2c8ccb3d67839 [query_vars_changed:WP_Query:private] => [thumbnails_cached] => [stopwords:WP_Query:private] => [compat_fields:WP_Query:private] => Array ( [0] => query_vars_hash [1] => query_vars_changed ) [compat_methods:WP_Query:private] => Array ( [0] => init_query_flags [1] => parse_tax_query ) [tribe_is_event] => [tribe_is_multi_posttype] => [tribe_is_event_category] => [tribe_is_event_venue] => [tribe_is_event_organizer] => [tribe_is_event_query] => [tribe_is_past] => )
Videos
Videos
Leveraging Life Insurance as a Financial Planning Tool
Staying Strong During Market Uncertainty
Q2 2022: Quarterly Market Outlook
Taxation in Retirement
College Savings Tactics for the Savvy Investor
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Already established in her career as an accountant for a large insurance firm, Caroline married a bit later, at 33. Today, she’s a financial controller for the same firm. Her spouse owns his own landscaping business. Caroline is the high-wage earner in the family.
Unfortunately, both women are now surprised to be facing a “gray” divorce: a divorce involving couples in their 50s or older. Each will need to make some tough choices as they deal with the emotional devastation of unraveling a long-term marriage. Although my focus as a financial planner is to help my clients find their financial footing during and after divorce, I also encourage clients to build a strong network of family and friends as well as a therapist or clergy person to offer critical emotional support during this time.
Read full article on Kiplinger.com
[post_title] => Emerging Financially Healthy After a Gray Divorce [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => emerging-financially-healthy-after-a-gray-divorce [to_ping] => [pinged] => [post_modified] => 2022-03-25 14:07:37 [post_modified_gmt] => 2022-03-25 19:07:37 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=news&p=64886 [menu_order] => 0 [post_type] => news [post_mime_type] => [comment_count] => 0 [filter] => raw ) [2] => WP_Post Object ( [ID] => 53316 [post_author] => 55227 [post_date] => 2020-01-28 10:38:21 [post_date_gmt] => 2020-01-28 16:38:21 [post_content] => By Jamie HopkinsRoth conversions can be a powerful tax and retirement planning technique. The idea behind most Roth conversions is to take money from an IRA and convert it to a Roth IRA. Essentially, you’re paying taxes today instead of paying taxes in the future.
The Tax Cut and Jobs Act lowered taxes for many Americans and with the SECURE Act Roth IRAs became even more powerful as an estate planning vehicle to minimize taxes, so it’s a convenient time to take advantage of Roth conversions. However, Roth conversions can come with some issues. Before you engage in one, be aware of these common problems as it can be hard to undo the transaction.Conversions After 72
IRAs and Roth IRAs are both retirement accounts. It’s easy to assume Roth Conversions are best suited for retirement, too. However, waiting too long to do conversions can actually make the entire process more challenging. If you own an IRA, it’s subject to required minimum distribution rules once you turn 72, as long as you had not already reached age 70.5 by the end of 2019. The government wants you to start withdrawing money from your IRA each year and pay taxes on the tax-deferred money. However, Roth IRAs aren’t subject to RMDs at age 72. If you don’t need the money from your RMD to support your retirement spending, you might think, “I should convert this to a Roth IRA so it can stay in a tax-deferred account longer.” Unfortunately, that won’t work. You can’t roll over or convert RMDs for a given year. So, if you owe a RMD in 2020, you need to take it and you cannot convert it to a Roth IRA. Despite the fact you can’t convert an RMD, it doesn’t mean you can’t do Roth conversions after age 72. However, you need to make sure you get your RMD out before you do a conversion. Your first distributions from an IRA after 72 will be treated as RMD money first. This means, if you want to convert $10,000 from your IRA, but you also owe an $8,000 RMD for the year, you need to take the full $8,000 out before you do a conversion. Full article on ForbesFor a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice."
"Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.
[post_title] => 3 Roth Conversion Traps To Avoid After The SECURE Act [post_excerpt] => Roth conversions can be a powerful tax and retirement planning technique. The idea behind most Roth conversions is to take money from an IRA and convert it to a Roth IRA. Essentially, you’re paying taxes today instead of paying taxes in the future. [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => 3-roth-conversion-traps-to-avoid [to_ping] => [pinged] => [post_modified] => 2020-02-28 16:01:10 [post_modified_gmt] => 2020-02-28 22:01:10 [post_content_filtered] => [post_parent] => 0 [guid] => https://divi-partner-template.carsonwealth.com/?post_type=news&p=53316 [menu_order] => 0 [post_type] => news [post_mime_type] => [comment_count] => 0 [filter] => raw ) [3] => WP_Post Object ( [ID] => 51325 [post_author] => 6008 [post_date] => 2019-12-06 10:26:33 [post_date_gmt] => 2019-12-06 16:26:33 [post_content] => By Jamie Hopkins People plan on having a good day, a good year, a good retirement and a good life. But why stop there? Why not plan for a good end of life, too? End of life or estate planning is about getting plans in place to manage risks at the end of your life and beyond. And while it might be uncomfortable to discuss or plan for the end, everyone knows that no one will live forever. Estate planning and end of life planning are about taking control of your situation. Death and long-term care later in life might be hard to fathom right now, but we can’t put off planning out of fear of the unknown or because it’s unpleasant. Sometimes it takes a significant event like a health scare to shake us from our procrastination. Don’t wait for life to happen to you, though. Full article on Kiplinger [post_title] => 10 Common Estate Planning Mistakes (and How to Avoid Them) [post_excerpt] => Estate planning and end of life planning are about taking control of your situation. Death and long-term care later in life might be hard to fathom right now, but we can’t put off planning out of fear of the unknown or because it’s unpleasant. Don’t wait for life to happen to you, though. [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => 10-common-estate-planning-mistakes-and-how-to-avoid-them [to_ping] => [pinged] => [post_modified] => 2020-02-28 16:02:24 [post_modified_gmt] => 2020-02-28 22:02:24 [post_content_filtered] => [post_parent] => 0 [guid] => https://divi-partner-template.carsonwealth.com/?post_type=news&p=51325 [menu_order] => 0 [post_type] => news [post_mime_type] => [comment_count] => 0 [filter] => raw ) [4] => WP_Post Object ( [ID] => 63314 [post_author] => 273 [post_date] => 2019-11-11 16:27:38 [post_date_gmt] => 2019-11-11 21:27:38 [post_content] => By Jamie HopkinsEveryone’s heard the stories of celebrities who died without a proper estate plan in place. It’s been a hot topic in the last few years with Prince and Aretha Franklin serving as unfortunate faces of the phenomenon. But it’s not just freewheeling entertainers. Abraham Lincoln – a lawyer by trade – didn’t have one either, which leads me to say something you’ve probably never heard anyone say: don’t be like Abraham Lincoln.
Most people want to plan for a good life and a good retirement, so why not plan for a good end of life, too? Let’s look at four ways you can refine your estate plan, protect your assets and create a level of control and certainty for your loved ones.1. Review Beneficiary Designations
Many accounts can pass to heirs and loved ones without having to go through the sometimes costly and time-consuming process of probate. For instance, life insurance contracts, 401(k)s and IRAs can be transferred through beneficiary designations – meaning you determine who you want to inherit your accounts after you die by filing out a beneficiary form. You can often name successors or backup beneficiaries, and even split up accounts by dollar amount or percentages between beneficiaries with these forms. Full article on Forbes [post_title] => 4 Ways To Improve Your Estate Plan [post_excerpt] => Most people want to plan for a good life and a good retirement, so why not plan for a good end of life, too? Let’s look at four ways you can refine your estate plan, protect your assets and create a level of control and certainty for your loved ones. [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => 4-ways-to-improve-your-estate-plan [to_ping] => [pinged] => [post_modified] => 2020-02-28 17:02:59 [post_modified_gmt] => 2020-02-28 22:02:59 [post_content_filtered] => [post_parent] => 0 [guid] => https://canistillretire1.carsonwealth.com/insights/news/4-ways-to-improve-your-estate-plan/ [menu_order] => 0 [post_type] => news [post_mime_type] => [comment_count] => 0 [filter] => raw ) ) [post_count] => 5 [current_post] => -1 [in_the_loop] => [post] => WP_Post Object ( [ID] => 64461 [post_author] => 90034 [post_date] => 2022-05-26 08:18:44 [post_date_gmt] => 2022-05-26 13:18:44 [post_content] => By Erin Wood, Senior Vice President, Financial Planning and Advanced Solutions Just a few years ago, Rose retired with a decent-sized 401(k). With some careful budgeting and a part-time job, her retirement finances were on track. Rose was looking forward to traveling, reigniting her passion for photography and spending time with her son and her grandkids. The pandemic changed everything. Her son contracted COVID-19 in the early days of the pandemic. His health deteriorated quickly and he died at only 35 years old. He didn’t have life insurance. A gig worker without a 401(k), he had very minimal retirement savings. Rose’s grandchildren, ages 2 and 6, joined the more than 140,000 U.S. children under the age of 18 who lost their primary or secondary caregiver due to the pandemic from April 2020 through June 2021. That’s approximately one out of every 450 children under age 18 in the United States. Rose’s ex-daughter-in-law battles drug addiction and had lost custody of the kids during the divorce, so Rose became the children’s primary caregiver. She quickly discovered that caring for young children as an older adult is more physically challenging than when she raised her son, so she made the difficult decision to leave her part-time job to have the energy to care for her active grandchildren. She wants to do everything for these kids who have lost so much — but it puts her financial security at risk. Sadly, she is far from alone. Read the full article [post_title] => COVID’s Financial Toll Isn’t What You Think [post_excerpt] => [post_status] => publish [comment_status] => closed [ping_status] => closed [post_password] => [post_name] => covids-financial-toll-isnt-what-you-think [to_ping] => [pinged] => [post_modified] => 2022-05-26 08:38:32 [post_modified_gmt] => 2022-05-26 13:38:32 [post_content_filtered] => [post_parent] => 0 [guid] => https://carsonhub.wpengine.com/?post_type=news&p=64940 [menu_order] => 0 [post_type] => news [post_mime_type] => [comment_count] => 0 [filter] => raw ) [comment_count] => 0 [current_comment] => -1 [found_posts] => 6 [max_num_pages] => 2 [max_num_comment_pages] => 0 [is_single] => [is_preview] => [is_page] => [is_archive] => [is_date] => [is_year] => [is_month] => [is_day] => [is_time] => [is_author] => [is_category] => [is_tag] => [is_tax] => [is_search] => [is_feed] => [is_comment_feed] => [is_trackback] => [is_home] => 1 [is_privacy_policy] => [is_404] => [is_embed] => [is_paged] => [is_admin] => [is_attachment] => [is_singular] => [is_robots] => [is_favicon] => [is_posts_page] => [is_post_type_archive] => [query_vars_hash:WP_Query:private] => 8bbea74eca9b0e937ac286f0d22d32a8 [query_vars_changed:WP_Query:private] => [thumbnails_cached] => [stopwords:WP_Query:private] => [compat_fields:WP_Query:private] => Array ( [0] => query_vars_hash [1] => query_vars_changed ) [compat_methods:WP_Query:private] => Array ( [0] => init_query_flags [1] => parse_tax_query ) [tribe_is_event] => [tribe_is_multi_posttype] => [tribe_is_event_category] => [tribe_is_event_venue] => [tribe_is_event_organizer] => [tribe_is_event_query] => [tribe_is_past] => )
Market Commentary
Market Commentary
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Special Market Commentary: What’s Stressing Out Stocks? These Market Inflection Points
Market Commentary: U.S. and U.K. Central Banks Offer Contradictory Outlooks, Making for a Rollercoaster Market Week
Market Commentary: Despite Disappointing GDP, Underlying Strength Keeps U.S. Economy on Solid Footing