For Our Clients

Educational Resources

Is it 2008 All Over Again?

Mar 17, 2020

Listen to this exclusive podcast Featuring Mark Keller, Chief Investment Officer of Confluence Investment Management

Chief Investment Officer Mark Keller of Confluence Investment Management highlights not just one, but three factors contributing to recent market volatility: Coronavirus, an oil price war between OPEC and Russia, and the growth of private sector debt – outside the banking system – over the last 11 months of economic expansion. Listen to this exclusive podcast for more details.

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Take a 2020 ‘RMD’ Holiday

Mar 31, 2020

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

If you find your spring holiday plans disrupted by the coronavirus, you may be encouraged that the federal government has planned another type of holiday appealing to retirement account holders.

The holiday? In addition to the federal stimulus checks, small-business loans and tax breaks making the headlines, the Coronavirus, Aid, Relief, and Economic Security (CARES) Act passed March 27 also makes available some relief for retirement account owners.

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Tax Tip Tuesdays: Higher Income Means More Taxes and Likely Less Deductions

Mar 31, 2020

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

While tax rates these days are historically low, there are still a few taxes that continue to affect more and more people each year.  Many tax thresholds are indexed for inflation, like the AMT tax exemption.  However, other tax thresholds like the .9% Medicare Health Insurance Surtax and the 3.8% Net Investment Income taxes are not indexed for inflation.

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Beware of the Bull

Mar 30, 2020

By Pete Biebel, Senior Vice President

In what would have been a spectacular week under other circumstances, the Dow Jones Industrial Average (DJIA) gained nearly 13%.  The S&P 500 Index (SPX) was up more than 10% and the NASDAQ Composite Index (COMP) rose a little more than 9%.  The cable business channels gushed lovingly about the rally.  “DJIA Having Best Week Since 1930s.”  “S&P Having Best Week Since 2008.”  And,

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Did You Know There is a Financial Product That Can Offer Some Peace of Mind During Uncertain Times Like Now?

Mar 25, 2020

By Dan Schulte, Vice President and Manager, Annuities and Insurance

These last few weeks have demonstrated how connected our world is. In addition to the virus spreading, financial anxiety is also spreading across the land. While annuity products cannot make you immune from a virus, they can help relieve your financial anxiety by contractually guaranteed* products that can be designed to fit your needs.

When the market swings wildly as it has recently,

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Tax Tip Tuesdays: Tax Tips for Parents

Mar 24, 2020

By Edward “Ed” V. O’Neal, Vice President and Manager, Retirement Plans

As a parent of children, teenagers or young adults, you’re often able to share some wonderful and memorable experiences together.  It’s one of the great perks of being a parent!  Additionally, some of the financial perks of being a parent or having dependents can become apparent during tax time.  The Tax Cuts and Jobs Act (TCJA), which became effective on January 1,

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A New Strain on the Market

Mar 23, 2020

By Pete Biebel, Senior Vice President

The contagion news continued to worsen last week, and stocks continued to head south.  You’ve probably already heard that it was the single worst week in the market since the Lehman bankruptcy and the worst four-week stretch since November 1929.  Where it looked as though the averages might have put in good short-term lows with the reversal on the previous Friday, those hopes were dashed when the market gapped lower on Monday’s opening. 

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Updated March 24th: Welcome Delay Most Taxpayers Won’t Owe Uncle Sam Until July 15

Mar 20, 2020

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

Until recently, the phrase “social distancing” was not part of our everyday vocabulary. These are unprecedented times we are living in. Many Americans are struggling not only with the fear and anxiety of a pandemic, but also with the financial stresses caused from reduced work hours, lower paychecks, and homes full of loved ones who must be fed and cared for.

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Tax Tip Tuesdays: What Are You Doing with Your Tax Refund? Jump Start Your Retirement Savings!

Mar 17, 2020

By Theresa Fry, Senior Vice President and Manager, IRA’s and Retirement Planning

If you have filed your tax return and are anxiously awaiting your income tax refund, have you decided what you will do with it?  Last year the average federal income tax refund was $2,869[1].  The majority of IRS refunds are processed within three weeks, so you have a little time to decide if you will save it or spend it. 

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Great Balls of Fire

Mar 16, 2020

By Pete Biebel, Senior Vice President

Goodness gracious! Again last week, the market shook our nerves and it rattled our brains.  That market action can drive a man insane. Last week was the first since late-1929 in which all five trading sessions had a gain or loss of more than 4%. Three of those days included trading halts early in the session. Don’t let it break your will. 

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