kortney

6 Things that Can Blow Up Even the Best Retirement Income Plan

June 26th, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

We all know that well-thought-out plans are the ones that frequently turn out differently than we had hoped.  You can develop what seems to be a thoughtful approach to how you are going to fund your retirement and then something happens that blows it […]

How to Determine Your Retirement Income Needs

May 30th, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

Need help determining how much income you will need in retirement? For retirement income planning purposes, it helps to divide retirement income into two parts—your needs and wants. The goal is usually to design a plan to cover your essential needs first and, if […]

When Should I Start Taking Social Security?

May 22nd, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing and Theresa Fry, Senior Vice President and Manager, IRA and Retirement Plans

For many of us, Social Security represents a significant part of our retirement income. The Social Security Administration (SSA) reports that 61% of beneficiaries received at least half of their income from […]

How to Determine Your Retirement Income Sources

May 15th, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

To help you plan for retirement, a first step in the process is to determine your retirement income sources. Consider these three sources:

Identify Your Reliable, Consistent Income
When you retire, what income stream(s) will act like your paycheck? Perhaps this is social security and/or a […]

Tax Tip Tuesday: Seven Questions to Ask Your Tax Preparer

February 21st, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

Has your tax return gotten just too complicated to handle on your own? Or maybe you just don’t have the time to fill out all those forms. If you’ve decided to hire a tax pro, start the tax season off right by working effectively […]

Tax Tip Tuesday: More Time to Get Organized This Year

February 7th, 2017|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

It’s tax season! So for the next 11 weeks we’re here to help with our “Tax Tip Tuesdays.” The best place to start is by pulling your records together. And there’s good news for all of you procrastinators out there—this year you have a […]

Year-End Financial To-Do: Should You Take or Defer Gains and Deductions?

December 20th, 2016|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

Year-end is a great time to review your tax situation for opportunities to pay less in taxes or pay taxes at a lower rate. Review your portfolio and other financial matters along with your projected income and tax rates with your tax advisor to […]

Year-End Financial To-Do: It’s Tax Loss Harvesting Time

December 7th, 2016|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

In 2016, we have had strong equity performance which may have generated some taxable capital gains. Before year end, check to see if you have other positions with unrealized losses to help offset some of your gains. Tax loss harvesting is a method of […]

Summer Savings Strategies: Minimize Your Tax Bill

August 9th, 2016|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

It doesn’t make sense for taxes to be the only factor in investment decision making, but they should be part of the conversation. This is because keeping investment-related taxes low can increase your overall investment return. In general, try to put investments that are […]

2016 Sales Tax Holiday Dates by State for Back to School

July 29th, 2016|

By Kortney Christensen, CFP®, Executive Vice President, Director of Sales and Marketing

Parents, get ready to save some money as your children prepare to go back to school. To ease the annual financial burden of buying your kids new clothing, footwear, school supplies, and computers/laptops, many states temporarily suspend levies on non-commercial purchases of specific items.

The […]