Category Archives: CPA Firm Articles


Identity Theft and Taxes

Tax-related identity crimes are among the fastest-growing offenses in the nation. Learn what the IRS is doing — and steps you can take — to help stay protected. Identity theft is one of the fastest growing crimes in America affecting millions of unsuspecting individuals each year. A dishonest person who has your Social Security number can use it to obtain tax and other financial and personal information about you. Identity thieves can get your Social Security number by: Stealing Read more […]



Millennials: On Investing and Retirement

Of those currently saving for retirement, 69 percent do so through an employer-sponsored plan. Move over Baby Boomers. These days all eyes are on Millennials, those young adults between the ages of 18 and 34 who are now America's largest living generation.1 According to the U.S. Census Bureau, Millennials in the United States number more than 75 million — and the group continues to expand as young immigrants enter the country.1 Due to its size alone, this generation of consumers Read more […]



When Employees Leave, but Plan Accounts Stay

Plan sponsors: Have questions about abandoned retirement plan accounts? Here are some answers. Work force reductions may leave some employers with low-balance plan accounts owned by former employees. These accounts can be expensive to maintain and burdensome to administer. Below, you will find answers to commonly asked questions about handling these small accounts. Can we just distribute small accounts to the former employees? Check your plan's provisions. Under federal law, Read more […]



What Can a Dollar Buy? Depends on Where You Live

Gas. Groceries. Cars. Homes. The price of everything varies depending on where you live. You know that $25,000 car you've had your eye on? In just 10 years, it could cost almost $34,000, assuming prices rise by a mere 3 percent per year. That's the reality of inflation, which is commonly understood as the increase in the price of any product or service. While the consumer price index (CPI), which is based on a monthly survey by the U.S. Bureau of Labor Statistics, serves Read more […]



What Motivates Your Investment Moves?

Fear. Regret. Overconfidence. These common emotions can lead investors astray When the stock market falls sharply as it did following the recent Brexit Referendum in the United Kingdom, it is not unusual for investors to react emotionally — to act on impulse before thinking through the potential long-term consequences. Why does emotion sometimes cloud your judgment when it comes to making investment decisions? The answer may be found in the study of "behavioral finance." Scholars Read more […]



When Planning, Focus More on Goals, Less on Numbers

To reach a place of financial well-being requires a different way of thinking about investments Financial planning is a complex, lifelong process that people tend to approach with a numbers orientation. What rate of return do I need to reach my goal? How much insurance do I need? Can I afford a bigger house? How much money do I need to save for retirement? To support their pursuit of the "right numbers," people often use separate advisors — for instance, a banker, a Read more […]



Your Plan’s Vesting Schedule: Tailor It to Meet Your Needs

A retirement plan's vesting schedule can offer a competitive edge when recruiting new workers A retirement plan's vesting schedule, which establishes when employer contributions to the plan will be owned outright by the employee, plays a role in how effective the plan is in helping to attract and retain employees. Employers will want to carefully consider their goals and the available options when selecting a vesting schedule for their plan. Common Vesting Schedules – The Read more […]



Back to School Bonus: Interest Rates Drop on Federal Student Loans

Starting college this year? If so, you may pay a little less interest on your student loans Families with students heading off to college this fall take note: The interest rates on all newly-issued federal loans have been reduced for the coming academic year — but those reductions are much more pronounced for student borrowers than for their parents.1 For instance, the interest rate on Stafford subsidized and unsubsidized loans for undergraduates will decline to 3.76 percent from Read more […]



Income Inequality and Its Impact on Women’s Retirement

Gender issues affect more than just a woman's paychecks. Longevity, family caregiving, and the gender wage gap influence women's long-term financial well-being and retirement security. Here are the facts. Generally speaking, women earn less than men, live longer than men, and often take time out of the workforce to have children and/or to care for an aging parent or sick loved one. The potential consequence of these realities? While most U.S. workers are facing a retirement savings Read more […]



Why More Americans Don’t Own Life Insurance

Life insurance — a standard supplemental vehicle to retirement accounts and other investments — is underutilized by all generations of retirement savers It is well documented that Americans in general are underprepared financially for retirement. Yet less attention is given to the fact that life insurance — a standard supplemental vehicle to retirement accounts and other investments — is underutilized by all generations of retirement savers. Recent research conducted by Life Read more […]



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