Business Retirement Plans

In today’s employment environment, it is more important than ever for employers to provide incentives to retain employees. One such benefit can be found in retirement plan offerings. There are several types of retirement plan options available to small businesses. While the same plan is not necessarily perfect for every company – the size and ownership structure of the company can help inform business owners’ decision as to which plan to offer.

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Social Security Changes for 2021

Here is what to expect next year for the Social Security program:

  • Recipients will receive a 1.3% increase
  • Maximum earnings subject to SS Tax increased to $142,800
  • Working Social Security recipients can earn $50,520 before their benefits are reduced
  • There is a slight rise in disability benefits
  • Social Security tax rates remain the same for employees and self-employed

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Fiduciary Investment Advisor

A Fiduciary duty can be found in many professions however, within the context of investment advisors the duty begins and ends with loyalty and care.

The duty of loyalty is the obligation to always serve the clients’ best interest as well as the mitigating any conflicts of interest.

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Child Tax Credit Payments

Starting in July, Americans who have children aged 17 and under, will be receiving payments for the Child Tax Credit that passed legislation under the American Rescue Plan. The IRS will begin sending out monthly payments of $250 or $300 through December to qualifying families.

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Lessons Learned as a Financial Advisor

Most of the lessons we have learned as Advisors is how we turn communication into actionable and successful plans to reach your goals. How we utilize resources for your benefit and the process that takes place, provides us with insight on how to best serve you, our clients. Financial Advising is both an Art and a Science.

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Important Information about the American Rescue Plan

Stimulus Check

Eligibility for the $1,400 (per person) stimulus check will be based on your reported income from either your 2019 or 2020 (if filed) tax return. Individuals will be eligible if they have an AGI of $75,000 or less and Married couples with an AGI of $150,000 or less. The income cap is $80,000 and $160,000 respectively. Many people have already received their stimulus payment or will within the coming weeks. You may still use the “Get my payment” tool on IRS.gov to find out specific details regarding your payment.

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Book Review 1 -
Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement

Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement
By Wade D. Pfau, Ph.D., CFA

Reverse Mortgages are a financing tool that have largely been ignored by retirement and financial planning professionals because of the negative connotation from years past. Dr. Pfau was interested in exploring this untapped resource and how it may fit into a retirement plan in a beneficial way and aren’t inherently a bad idea. The countless hours he spent researching reverse mortgages is apparent.

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Making Charitable Donations from your IRA

If you have reached age 70½ and are evaluating charitable giving options, you may consider making a charitable donation directly from your IRA.

The benefits

Contributions made directly from your IRA to a charity reduce the taxable portion of your IRA distributions and count toward your annual required minimum distribution (RMD).

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CARES Act Distribution Information

Under the CARES Act, individuals were eligible to take $100,000 of coronavirus-related distributions from retirement plans. In addition to the distributions being free of penalty there are also accommodations with the IRS for claiming the income as well as repayment of the distributions.

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Address

5345 N El Dorado Street
Suite 5
Stockton, CA 95207

Phone Number

Hours

8:00am - 4:00pm
Monday - Thursday

8:00am - 1:00pm
Friday

Benefits Management for Businesses

Attentive Investments provides benefit plan and investing management for businesses of almost any size.

Financial Planning and Investments for Individuals

Attentive Investments provides a broad spectrum of financial services for individual investors.

Address

5345 N El Dorado Street
Suite 5
Stockton, CA 95207

Phone Number

Hours

8:00am - 4:00pm
Monday - Thursday

8:00am - 1:00pm
Friday


Attentive Investments, LLC is a Women Owned Small Business (WOSB) under the terms set forth by the Small Business Association.

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