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Wednesday, October 16, 2019

We hear the term all the time, but what does “getting hacked” mean? Hacking occurs when your online personal information is compromised and is used to commit fraud. It’s becoming more prevalent, and as in every area...

 

Wednesday, September 25, 2019

By nature, emergencies are unpredictable. That’s why it’s so important for your emergency savings to be readily accessible when you need fast access to cash. Yet, in today’s low interest rate environment, many people...

 

Wednesday, September 18, 2019

Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, giving yourself...

 

Monday, September 9, 2019

While you can’t always ensure what the future holds for the ones you love, you can help ensure their future is protected. Having sufficient life insurance and the right financial instruments in place can help protect their dreams...

 

Wednesday, September 4, 2019

Life insurance is often overlooked until a significant life event or change nudges us. Whether that occurrence is life-giving or life-taking, it can be managed with the proper conversations ahead of time. That’s why September has...

 

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Wednesday, July 17, 2019

When parents bring a child into the world they undoubtedly have hopes and aspirations for that new baby. For many, they hope that their child will seek an education after high school. If saving for college is one of your goals, it is...

 

Wednesday, July 3, 2019

We invite you to read the letter of congratulations from Jonathan Wesser, VP, Operations of Five Star Professional, for Bill receiving the 2019 Five Star Wealth Manager Award. The award notification will be published in the July 2019...

 

Wednesday, May 22, 2019

If you are a business owner, you are faced with many decisions including choosing a retirement plan for the first time or considering changing your current plan. There are a lot of things to consider when it comes to choosing the right...

 

Wednesday, May 15, 2019

If you are a small business, you’ve assumed the risk of going at it alone. But while going into business can be financially risky, going into retirement doesn’t have to be. There are several retirement plans designed...

 

Wednesday, May 8, 2019

In honor of National Small Business Week 2019, we are sharing the following link from BruceDayne.com website. http://bit.ly/2uzmcXA The Ultimate National Small Business Week 2019 Events Calendar On Sunday, May 5, the U.S. Small...

 

Tuesday, May 7, 2019

Your business is one of your most important accomplishments. It reflects your hard work, financial savvy, and innovation. Securing the future of your business means sound financial planning before you are actually faced with making any...

 

Thursday, April 4, 2019

We found this interesting and wanted to share. This article was found on smartasset.com Choosing a financial advisor is a big decision. Being aware of these seven common blunders when choosing an advisor can help you find peace of mind...

 

Friday, March 29, 2019

How do you connect online with your loved ones, your friends, your co-workers? Facebook, Facebook Messenger, Twitter, LinkedIn, Snapchat, Instagram, Pinterest, YouTube, WhatsApp? Do you shop on Amazon.com, eBay or other sites? When you...

 

Friday, January 18, 2019

The beginning of the New Year is a perfect time to re-evaluate your financial situation. This checklist addresses common planning issues to help you determine whether any changes are needed. A few things that could impact your...

 

Wednesday, January 16, 2019

If one of your New Year’s resolutions is to make sure your overall financial health is in good shape, it’s a good idea to dive even deeper and analyze some of your reoccurring monthly expenses that you may be wasting money...

 

Wednesday, January 9, 2019

Just like so many people vow to commit to exercise and dieting as a New Year’s resolution, it’s also not a bad idea to take stock of your financial situation and throw in some fiscal goals. Taking a good look into your...

 

Thursday, December 20, 2018

Year-end is a critical time for retirees with qualified retirement accounts who are subject to required minimum distributions (RMDs). To avoid a hefty penalty of 50 percent of the amount that should have been withdrawn, your RMD must...

 

Wednesday, December 19, 2018

This post focuses on how to calculate your annual RMD amount(s) across one or multiple retirement accounts, which is not only complicated, but can result in tax penalties if not done properly. For example, an IRA owner must calculate...

 

Tuesday, December 18, 2018

Here are a few friendly reminders in the event you have not yet taken minimum withdrawals from any qualified retirement plan accounts you may own. Those include as 401(k) plans, IRAs (traditional, SEP, SIMPLE), 403(b) plans, 457(b)...

 

Sunday, December 16, 2018

Few things in life are more fulfilling than witnessing your legacy in action. Below are some smart ways to give to family and friends this holiday season that not only offer tax benefits, but provide the satisfaction of seeing the good...

 

Saturday, December 15, 2018

As the year draws to a close, most of us look to holiday planning, being sure our house is ready for guests, gifts and good times. It’s also a good time to look at another type of planning for the holidays –making sure your...

 

Thursday, December 13, 2018

Between buying gifts, traveling to visit family and decking the halls, spending during the holidays can get out of control. But going into the season with a plan can help you keep spending within your budget and limit financial stress....

 

Friday, November 30, 2018

Choosing an assisted living residence for yourself or a loved one can be stressful. There are so many things to consider from the location of the community, to costs, and social aspects such as the availability of dining,...

 

Wednesday, November 28, 2018

When it comes to retirement, most of us get excited for the freedom that comes with it—like spending time with grandchildren, taking a much anticipated trip, focusing on a hobby, or simply enjoying the ability to go at our own...

 

Wednesday, November 21, 2018

As we look to the future, did you know that long-term care expenses can deplete resources 2–3 times faster than intended?1 There are a few misconceptions about long-term care shared by many: It won’t happen to me. Medicare...

 

Thursday, November 15, 2018

Often people have concerns when it comes time to plan, like not qualifying for a traditional Long-Term Care (LTC) insurance policy due to age, a chronic illness or other factors. Some are reluctant to pay for covered custodial services...

 

Wednesday, November 14, 2018

What to Look for in a Long-Term-Care Policy Long-term care insurance is one of the most complex types of insurance you may consider purchasing. Here’s a list of 10 questions to ask that may help you better understand the costs...

 

Friday, November 9, 2018

For current retirees and those nearing retirement, healthcare costs are expected to pose the single greatest risk to income in retirement. A recent study reports a 65-year-old healthy couple retiring in 2015 can expect to pay an...

 

Thursday, October 25, 2018

As we’re sure you’re aware, every day there are more and more attacks on our security online – and it’s even more frequent around the holidays. While it’s the most wonderful time of the year, with parties...

 

Tuesday, October 16, 2018

One study found that 43% of cyber attacks target small business, and 60% of small companies go out of business within six months of a cyber attack.¹ Business owners are also required to protect their customers’ personal...

 

Wednesday, September 26, 2018

Part 2 Coming Up with Cash If saving several months of income seems an unreasonable goal, don’t despair. Start with a more modest target, such as saving $1,000. Build your savings at regular intervals, a bit at a time. It may...

 

Wednesday, September 19, 2018

Part 1 Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, giving...

 

Friday, September 14, 2018

Do you have a comprehensive plan in place to deal with unpredictable events? Most people don’t. Thanks to the public service website www.Ready.gov, putting an emergency plan in place to help protect your family may be a lot...

 

Wednesday, August 15, 2018

Roth IRAs have been around since 1997, but many American don't understand the full range of their benefits. Unlike traditional IRAs, contributions to Roth IRAs are made in after-tax dollars. Many people choose Roths because they...

 

Wednesday, August 1, 2018

We came across this article comparing Roth and Traditional IRAs and thought it might interest you. Traditional vs. Roth IRA Traditional IRAs, which were created in 1974, are owned by roughly 35.1 million U.S. households. And Roth IRAs,...

 

Monday, July 23, 2018

There is not one correct way to save for college. There are many strategies, such as a 529 plan, Coverdell Education Savings Account or a UGMA/UTMA, to help you reach your savings goal. These savings plans have different advantages in...

 

Wednesday, July 18, 2018

Whether your child is still a few years away from college or is starting to seriously look at schools, you need a plan. The number of colleges can be overwhelming but if you stick to a plan it can make the college decision process...

 

Wednesday, June 27, 2018

Genetics play a pretty powerful role in predetermining what your overall health and longevity will be. Yet, even though you can’t choose or change your genetics there are certain preventative measures you can take in maintaining...

 

Thursday, June 21, 2018

An important factor in determining how well you age is how active you are, according to the Mayo Clinic. The world renowned not-for-profit institution recommends 150 minutes of moderate intensity or 75 minutes of vigorous activity per...

 

Thursday, May 17, 2018

As a financial planner, I get to help plan for some of the most important events in the lives of families I work with. For example, buying a new home or saving to send their kids to college. Some of the harder parts are when I have to...

 

Monday, April 30, 2018

The Tax Cuts and Jobs Act of 2017 ushered in a broad range of changes impacting virtually all American taxpayers. Along with rate adjustments across seven tax brackets, one of the biggest changes is the elimination of personal...

 

Tuesday, April 24, 2018

The Tax Cuts and Jobs Act of 2017 ushered in a broad range of changes impacting virtually all American taxpayers. Below are six of the most significant changes individuals and families need to know about as they plan for and manage...

 

Tuesday, April 17, 2018

In addition to retaining most of the schedule C deductions many small businesses rely on for eligible expenses, the Tax Cuts and Jobs Act of 2017 added two new provisions. The first change favors businesses that invest in equipment,...

 

Tuesday, April 10, 2018

There are many variables that will determine how retirees fare under the new tax laws, including where you live, your retirement income sources, and even your health. That's because in addition to lowering tax brackets and raising the...

 

Tuesday, April 3, 2018

The U.S. Internal Revenue Service has made annual inflation adjustments to many tax provisions, including rate schedules, that affect income earned in 2018 and tax returns filed in early 2019. Take a look at this 2018 Tax Planning...

 

Tuesday, March 13, 2018

Here are a few friendly reminders in the event you have not yet taken minimum withdrawals from any qualified retirement plan accounts you may own. Those include as 401(k) plans, IRAs (traditional, SEP, SIMPLE), 403(b) plans, 457(b)...

 

Friday, February 9, 2018

By nature, emergencies are unpredictable. That’s why it’s so important for your emergency savings to be readily accessible when you need fast access to cash. Yet, in today’s low interest rate environment, many people...

 

Friday, January 12, 2018

Just like so many people vow to commit to exercise and dieting as a New Year’s resolution, it’s also not a bad idea to take stock of your financial situation and throw in some fiscal goals. Taking a good look into your...

 

Saturday, December 16, 2017

As year-end approaches, we want to send a quick reminder about important tax planning deadlines. The following checklist can help you simplify and manage these critical deadlines as you take advantage of opportunities to help reduce...

 

Tuesday, November 28, 2017

While it’s hard to believe, another holiday season will be upon us shortly. That makes now the perfect time to review and plan for the important year-end tax, investment, and charitable giving opportunities listed below. Keep in...

 

Friday, October 6, 2017

When we think of emergency preparedness, flashlights, bottled water, and first aid kits immediately come to mind. While having a physical emergency supply kit on hand is an important first step when disaster hits, being prepared...

 

Wednesday, September 13, 2017

If you’re just starting to take charge of your financial future, it can be stressful approaching financial planning with confidence. Do you ever talk to your bank or financial manager and think that they’re speaking a...

 

Wednesday, August 2, 2017

 

Wednesday, June 7, 2017

About Bill Saplicki ("sa-pli-kee")... Bill Saplicki is President of LS Wealth Strategies LLC, a full service, strategy driven firm where each client is personally known. The foundation of the practice is to incorporate professional...