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Insights

Here’s a little known piece of advice: Qualified Charitable Contributions allow you to make charitable contributions directly from your IRA to qualified public charities, where the amount is excluded from your income. They can also satisfy an upcoming RMD.

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As the end of the year slowly approaches, remember you still have time to make sure that your 2017 Required Minimum Distribution is satisfied. If you don’t take out the required minimum on time, you’ll pay an extra penalty tax of 50 percent of the amount that you missed. If you don’t need the money from your IRA or other retirement accounts, there’s nothing you can do about having to take your minimum distributions. But if your concern is that you don’t want to sell the securities in those accounts to meet the RMDs because you believe it’s a bad time to sell them, I’m going to let you in on a little-known secret: you can take what’s called an “in-kind distribution” from your retirement plan.

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Roth IRAs have certain stipulations associated with them to make sure their tax-favored status isn’t abused. In particular, there are two different five-year rules that are attached to Roth accounts that you need to be aware of.

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Good financial planning decisions go far beyond how and where you invest – they can potentially enhance your lifetime standard of living. It’s important to understand that, because success may not always equal a higher portfolio return in the short term. Here are five intangible ways that a financial advisor can potentially add value to you.

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If you have a credit report, the chances are pretty good that you’re one of the 143 million American consumers whose personal information was exposed by the data breach at Equifax, one of the three major credit reporting agencies in America. As it happens, I found out I may have been one of the victims myself.

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Retirement can be the perfect opportunity to take a look at your bucket list and possibly make some of those wishes come true. Maybe even invent some new ones that you’d never thought of before. It seems like there’s never been a better chance than now, at your retirement, to make it all happen.

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With Hurricane Harvey, we saw a real-world example of how things can change in an instant. One moment everything’s fine, the next, there’s total devastation in some areas. With natural disasters like these, Mother Nature will often have the final word, regardless of how you’re prepared.  But with investing, you may find that the better you’re prepared for market swings, the less of a negative impact there might be.

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Here are some articles that we’ve been reading for the week of June 26, 2017

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The old days, where people needed brokers to access investment offerings and when clients may have had little information and little choice, are pretty much gone. We went from an age of brokers and investments, then through an era of strictly financial planning and asset allocation models, and now we’ve entered an age of collaborative guidance.

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You want your money to out-live you, not the other way around, so how do you plan for the unexpected? It may help to know what you’re up against.

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