Family Philanthropy: A Toolkit for Structure & Clarity in Your Family’s Charitable Giving

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Similar to baking a cake, taking the shortest route to the office, or packing for vacation, there are strategies and a process to family philanthropic efforts that will help maximize your results. The National Center for Family Philanthropy created a toolkit to help you learn more about these tried and trusted processes and management strategies that can set up your family for success for generations to come.

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Bend, not Break: 2022 Q4 Client Letter

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As expected during a broad bear market, portfolio strategies everywhere bent under the strain, but of critical importance, our portfolios and financial plans did not break! Learn about the wealth strategies we used to protect financial portfolios in a bear market.

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Employer Retirement Plans: Exploring In-Service Distributions

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Employer retirement plans with in-service distributions can be complex. You may find that an in-service/non-hardship distribution and rollover could provide access to more investment options, risk management strategies, and diversification approaches. Plus, you may gain access to a wider variety of guaranteed retirement income options. Learn more about how to approach your retirement plan and the options available to you.

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Understanding the Behavioral Advantage and Trade-Offs of Bucket Portfolios

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Bucket portfolios are aimed at providing spending resources during investors’ decumulation periods, usually in retirement. However, an even bigger advantage to bucket portfolios is their potential to be quite effective in helping investors avoid panicked selling during market downturns.

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Pension Plans: Choosing a Lump-sum Distribution

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There are numerous factors to consider before choosing a pension plan lump-sum distribution. Learn more about the benefits and risks to lump-sum distributions, and the many factors you should consider before choosing a lump-sum distribution.

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Equity Compensation Plans: Pre-IPO Companies

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Equity compensation plans can offer potential financial benefit, but they are complex—especially when combined with your unique financial situation and goals. Learn more about how you can maximize equity compensation plans from pre-IPO companies.

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Equity Compensation Plans: Publicly Held Companies

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Equity compensation plans can offer potential financial benefit, but they are complex—especially when combined with your unique financial situation and goals. Learn more about how you can maximize equity compensation plans from publicly held companies.

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Road to Retirement: Endowment Spending Policy & Dividend Income

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In my years of working directly with clients and in teaching retirement planning to financial professionals, I’ve studied retirement income planning methodologies extensively. Thornburg Investment Management has researched an approach on how to develop an “Endowment Spending Policy” in retirement, and in this webinar, I talk with Andrew Rice, Director of Advisor Solutions at Thornburg, about their findings on how to structure your assets for a successful retirement.

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Money Matters: 2023 Financial Outlook & Stock Market Predictions

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In this month’s edition of “Money Matters,” Scott discusses why investors should not rely on so-called “expert” financial forecasts from anyone. He explains some financial strategies for long-term financial planning to help individuals achieve their financial goals without depending on what might happen in the market.

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Top Year-End Tax-Planning Strategies

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Mark Gasner CPA, CFP®, joined our internal wealth strategy team for a fast-paced roundtable covering some of our favorite tax-planning strategies. We discussed a variety of tax moves, which may be available to enhance your financial plan and minimize “tax drag” on your assets, as well as investment-related tax strategies, filing tips, effective gifting to family and charities, and tactics for business owners and executives.

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Money Matters: Holiday Financial Planning & Gift Giving

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In this month’s edition of “Money Matters,” Scott discusses keeping your finances top of mind during the holidays, so people don’t overextend themselves. He gives several examples of gift-giving ideas that won’t break the bank and will leave long-lasting memories. Scott also covers the parameters surrounding gifts of money, property, and other financial gifts.

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Employee Stock Ownership Plan (ESOP) Tax Advantages

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Scott Oeth, CFP® and Steve Storkan, CFP®, Executive Director of The Employee Ownership Expansion Network discuss how Employee Stock Ownership Plans ("ESOP") can allow for a tax-advantaged transfer of ownership from a business founder to the employees. This is a valuable conversation of a niche topic that is most applicable to business owners considering exit strategies.

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Dangers of Concentrated Stock Positions

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Not every concentrated position needs to be sold off, but, in most cases, it is important to recognize the value of a well-rounded approach. Plus, one of the biggest concerns investors have about concentrated stock is taxes. Selling isn’t your only option. Learn more about the dangers of a concentrated stock position, and strategies to consider to help maximize your financial situation.

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Market Volatility: Keep Playing Until the Whistle Blows!

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While market volatility (“seeing your team down”) is uncomfortable, historically, market downturns have been temporary. Scott talks about how markets may look bad at times, but the victories have been decisive, and the comebacks often quite dramatic, so don’t pack up and leave the game early—you’re going to want to stay to see the end!

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