Relationships and Money, Part II: Married Couples

Marriage is not just roses, chocolates and diamonds. Marriage is a business relationship that needs thorough discussion and often times compromises. When couples plan for possible scenarios in the future, everyone involved is protected and feels secure. There are several ways that couples can ensure healthy financial decisions pre and post nuptial.

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Relationships and Money, Part I: Unmarried Couples

New couples are busy enjoying learning about each other and sharing parts of their lives with one another. Very often an important aspect of sharing a life that gets ignored is discussing your values surrounding financial matters. Things such as financial goals to credit card debt can bring a host of challenges to the relationship. Having open conversations about navigating each partner’s financial situation as well as their feelings on various financial matters is key to helping you build a strong financial foundation in your relationship.

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Understanding Medicare

Retirement is just over the horizon and while most people have making ends meet during that period on their minds there is another extremely important part of aging that should be explored. Medicare! There is a 7-month initial enrollment period that begins 3 months before you turn 65, the month you turn 65 and 3 months after you turn 65. If you do not sign up during that window of time you will be penalized for late enrollment, which comes in the form of higher premiums (typically a 10% increase premiums).

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In-Service Withdrawals

Many believe that their money is locked in when you are a participant in a 401(k) or profit sharing plan through an employer where you are a participating and current employee. However, certain qualifying events allow employees to access their vested balance to either withdraw and/or roll over money from those accounts and still continue to contribute.

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Pay Yourself First

Earlier this month, we discussed dollar-cost averaging as a strategy for investing which can offer you a higher average rate of return over the long-term and a seamless means of investing each month without too much pain for your wallet. Today, we will discuss the best way that you can achieve this strategy through the concept called “Pay Yourself First”.

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How to Disaster-Proof Your Finances

The fires burning in California and the recent hurricanes on the East Coast have begged the question: how can one disaster-proof their financial house? Often times when a disaster strikes, the last thing on our mind is to snag those important papers—our primary concern is always our life and the lives of our loved ones. But when the dust settles and the rebuild begins, those important papers are going to form the foundation of how quickly you can get your life back on track.

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Designating Beneficiaries & Owning an Inherited Retirement Account

What happens to your Retirement account if you pass away? Retirement accounts offer an advantage in the way they can be passed to your beneficiaries without a costly Trust or extensive Probate of your estate. A beneficiary designation allows you to allocate your hard earned savings to your loved ones in any manner you choose. But, there are pitfalls that should be avoided when designating beneficiaries.

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Estate Planning

What happens to all of the wealth you have accumulated after you pass away? That is Estate Planning—making a plan ahead of time to decide who will benefit from all you accumulated during your life. This concept has recently been highlighted by the passing of a music icon. Ms. Aretha Franklin passed away without having a will or a trust in place, meaning her estate and its beneficiaries will be decided through the public probate process. This can be lengthy and costly to an estate.

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Seasonal Cleaning and the New Year

Everyone likes spring cleaning – dusting off the cobwebs, cleaning the windows and letting the light shine through the windows, the freshness of spring and the renewal of the spirits. I’m a bit of an odd bird, though, I like to have that feeling of renewal at the start of every season and winter is no exception. Winter offers us a unique opportunity – like the dawn of a new day – the New Year offers us a fresh start, one that can be even more impactful than dusting off cob webs or even that new gym membership. Ultimately, you are pretty stuck inside anyhow.

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’Tis the Season

The period between Thanksgiving and the end-of-year holiday season would seem like a sleepy time for financial planners, but in fact it is anything but. You might be surprised at how much activity takes place on behalf of you and your investments in the final month of the year.

For instance? Even though this has been a good year in the markets, not all investments will have gained value. This is the last opportunity to harvest any losses we find in taxable accounts, by selling investments that have gone down and “booking” the loss. Then we can look for investments that have gained value, sell some of those to offset the losses, and thereby save capital gains taxes in the future. Up to $3,000 of ordinary income can be offset by investment losses as well.

This is also the time of year when mutual fund companies post, in advance, the amount of ordinary income and capital gain distributions they will make to their shareholders. Since the value of the shares drops by the amount that is distributed, this would seem like a non-event performance-wise. But in fact some mutual funds are poised to make 20% or even 30% distributions, and this cash is immediately taxable, unlike gains in the share values, which are only realized when you decide to sell. By selling funds before the distributions, and buying them back later, we can reduce your tax bill this year.

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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


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