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How to Fight Financial Fraud

Financial fraud costs older Americans more than $37.5 billion each year. Familiarize yourself with these common scams to protect yourself and your loved ones. Telemarketing Tricks The opponent: Calls or sends letters encouraging retirees to buy fake products, donate to fictional charities or invest in nonexistent businesses. Fight back: Register phone numbers with the National Do Not

How Much or How Little the Kids Inherit

Talking to family members about estate planning and legacies can be difficult and even painful. These discussions, however, are an important way to share your choices with your children and prepare them for their financial futures. Here are a few suggestions on approaching this tricky topic. Communicate your values about money in a larger context. Build on the casual conversations you’ve

Who Gets What, When?

Ready to decide who will receive what from your estate, and when? It can be an uncomfortable process, even under the best of circumstances. Should you base your decisions on who wants what? Who deserves what? Or, what each family member is actually prepared to handle? With a few practical tips and a bit of

Mentoring: The 15-Minute Game Changer

There’s a new associate in your office. She works hard, shows tremendous potential, and the two of you have plenty in common. Recently she approached you about becoming her mentor. Despite the worries about whether your schedule can handle it, should you say yes? Studies show that it’s a good career move for you –

Social Security Taps Trust Fund; Should You Be Worried?

  The board of trustees for Social Security recently issued their 2018 annual report. Once again, this year’s report provided a dark reminder that the fiscal health of the program has further deteriorated. Like last year’s report, Social Security’s trustees said the program’s trust fund would be depleted in 2034. However, unlike last year, for

Where Medicare Falls Short

                It’s never too early to start thinking and planning for retirement, especially when it comes to the top three expenses: housing, transportation and healthcare. You may have a clear vision of your ideal retirement, but that dream could fade if unexpected healthcare costs start to eat away

Protecting Your Social Security Payout

                  One in three seniors will die with dementia.¹ It’s a sobering statistic, and when you consider it alongside increasing longevity, it’s easy to see why planning for the potential impact of diminished capacity on your or a loved one’s future finances is critical. More than 5

It’s Time to Spring Clean Your Finances

Now that spring has sprung, it’s time to look back on your progress this year and discuss any outstanding to-do’s with your advisor. Consider consolidating retirement accounts and requesting your credit report to see where you stand. Spring 2018 Market Closures Monday, May 28: Memorial Day Planning To-Do’s Midyear monitoring: Look back on your to-do list progress, follow up

Get Financially Fit

Tax season isn’t the only time you should be mindful of your taxes. Challenge yourself to tone up your tax strategy and keep your taxes in top form year-round. Of course, also be sure to consult your tax professional and financial advisor. 1. Find a Trainer You’ll want a heavyweight tax professional in your corner. Don’t

Dealing with Divorce

Parting ways with a spouse can be stressful and challenging, and navigating the process requires careful planning to answer questions like: Where will you live? How will this affect your children? How will the divorce impact your financial future? These questions may lead to difficult conversations, but they’re worth having, no matter how overwhelming the

Eight Estate Planning Essentials

Estate planning is more than just creating a will. Here is a look at eight different documents you may need to prepare for yourself and your family. Talk to your advisor about navigating this process. 1. Last Will and Testament A legal document used to distribute property to heirs, specify last wishes, name guardians for minors and

Ensuring Your Financial Plan Outlives You

Generate seamless life transitions by tailoring your plan to the needs of both you and your spouse. Married life brings with it a divvying up of responsibility. In the past, husbands often oversaw investments and handled retirement and estate planning details. This is changing, however. And, considering women typically outlive their male counterparts, modern couples

Benefit From Your Birthdays

  Not all birthdays are about a driver’s license, getting to vote or toasting with a glass of wine. Some are important to your comfort in retirement, too. No matter who you are, the years leading up to and during retirement contain a number of key financial planning opportunities worth capitalizing on. You and your

12 Resolutions for 2018

Start the new year right by reviewing and revamping your financial plan. Instead of hauling out those familiar New Year’s resolutions about eating less and exercising more, how about focusing on something that’s also very good for you in the long run – and even sooner? We’re talking about your financial plan – your fiscal

Start the New Year with an Organized Outlook

Consider getting organized this winter season by decluttering and updating your financial plan. Check out this plan for all seasons! Still trying to think of a New Year’s resolution? Consider organizing, decluttering and updating your financial plan. To start, going paperless, embracing online file sharing and organizing your tax documents from the beginning can help

Trim the Fat

If you have to make personal budget cuts, trim items large and small. Consider these ideas for ways to reduce spending.

Essential Questions for Business Owners

You know all too well that running a business – your business – takes every second you have. It’s always on your mind. But if you’re like so many other entrepreneurs, you may not have taken a step back to see the bigger picture – how your professional and personal financial matters intertwine with each

Seven Ways to Generate a Retirement Paycheck

With retirement within sight, now’s the time to figure out how to turn your savings and investments into a paycheck – so you can live comfortably and still achieve your goals. For many, the challenge is easier said than done, and comes alongside fears of spending too much now and not having enough later or

Do Risk and Retirement Mix?

We live in unusual times, with interest rates at historical lows but likely to rise in the not-too-distant future, stocks trading at what some consider elevated levels driven by a years-long bull market, and investors scouring the pronouncements of central banks for clues to what may happen next. However, one thing remains unchanged – those

Key Provisions of the House’s Tax Proposal

On November 2, House Republicans released their long-awaited bill calling for the largest transformation of the U.S. tax code since 1986. The “Tax Cuts and Jobs Act” provides for a complete revamping of the individual and business income tax systems starting in 2018, including substantially reducing business tax rates, compressing individual brackets and eliminating personal exemptionsand most personal deductions.

The Upside of Upsizing

Empty nesters often choose to simplify life by downsizing to a space with minimal upkeep. But what if the opposite – a bigger place with room for several generations, a la “Downton Abbey” – really suits you? About 46% of baby boomers want to retire in a larger, nicer place, according to a 2014 survey

Virtual Moats Proactively Protect your Assets

Along with the rewards of business ownership come the risks – including the risk to personal assets (wealth, property, etc.) should someone bring an action against your business. Insurances, diversification, smart management and good hiring are all ways to protect your professional assets, but it’s also imperative to understand the ways in which you can

Food Technologies Give Consumers Plenty to Chew On

Americans spent roughly $1.4 trillion on food in 2016, a figure that represents 25% of all U.S. consumer spending. And just as technology has changed the ways people shop for nonperishable goods, it’s worth considering the capacity of new technologies to alter how we purchase, prepare and consume food. Though relatively few people have shifted

To Be or Not to Be – in Debt

’s long and winding road generally includes plenty of side trips on the way to a comfortable retirement. There may be homes to buy, children to raise and educate, careers to pursue, a vacation here and there. When done strategically, borrowing can help you address those needs – like purchasing a home – without derailing

Paving the Road to Higher Education

Harvey Mudd College heads the total cost list at $69,717, while Columbia University charges the most for tuition alone: $55,161.1 Few students pay these totals. Scholarships and financial aid can cover some expenses, and state universities and colleges cost much less. Nevertheless, 61% of undergraduates leave school with debt – an average of $28,1002. You might

Your Business Deserves an Estate Plan

As a business owner, you’ve invested so much into making your business successful – hard work, time, money, energy. It’s truly hard to imagine your business without you. But chances are there will come a day when someone else will take the reins. And a seamless succession plan, one carefully and thoughtfully devised well in

Leaving the Vacation Home to Family

Whether sporting a lakefront view or nestled in a mountainside perch, your vacation home is a place where special moments happen and important memories are made – a place where your family comes together. But, if you’re not careful, the gift of a vacation home can be a source of conflict for those who inherit

Are you ready for an encore career?

Four and a half million. That’s how many retired Americans, over age 50, decided to go back to work or take on part-time volunteer roles after retiring. And there are another 21 million who say they’re ready to join them, according to a 2014 Encore Career survey. The reasons vary. Some want to make the

How Family Offices Are Investing Directly in Businesses

For decades, corporations, public market investors and private equity firms with deep pockets got the attention of business owners seeking new investors or an influx of capital. But a new trend is proliferating. Over the past few years, family offices that traditionally have acted as limited partners have been investing directly in businesses, cutting out

Sequence of Returns

Don’t let “sequence of returns” risk ruin your plans. Consider protective strategies well before you retire. You’ve saved diligently throughout your career, invested those savings prudently, and accumulated a nice nest egg. Now that retirement is within sight, you’re set, right? For most, the answer is yes. But every investor takes some risk that well-laid plans could

Set New Goals in Summer

With several financial deadlines behind you, take time this summer to review your progress, set new goals and tie up loose ends. Tally up any recent life changes that may affect your estate plan, and adjust it as necessary. Evaluate your benefits and insurance. Summer 2017 Market Closures Tuesday, July 4: Independence Day Monday, September 4: Labor Day

Retirement Reinvented

It’s estimated that 10,000 baby boomers reach retirement age every day. While age may be a commonality among this group, how they choose to spend their free time may be quite different. Certainly, some retirees stick to the traditional archetypes: The Leisure Lover who naps, reads and strolls the beach; the Golfer who can’t wait

Choosing the Trustee for a Special Needs Trust

When establishing a special needs trust (SNT), selecting a credible and reliable trustee is extremely important. The purpose of an SNT is to supplement a disabled person’s government benefits by paying for non-covered medical services or equipment. SNTs are commonly used to pay for personal care attendants, education, home furnishings, out-of-pocket medical and dental expenses,

Small Steps to a Better You

What does it mean to invest in our health? While eating that apple a day is still a great idea, there are many factors, including things you already do and enjoy (like sleeping comfortably and spending time with family), that can nourish your mind, body and spirit. Some of the latest insights from science and

Don’t Forget About Digital Assets

Digital assets include any content or electronic information stored on a computer or through computer-related technology – such as financial accounts, social media and email accounts, Word documents, PDFs and music. In fact, McAfee has estimated that individuals own an average of about $35,000 worth of digital assets. Not planning for the distribution of these

The Surprising Gift of 529 Plans

  This material was prepared by Raymond James for use by Jeff Hausinger, Branch Manager of Raymond James Financial Services, Inc. Member FINRA/SIPC

Nurturing Moneywise Children

Parents often emphasize the importance of education to their beloved children. The rewards are obvious. Yet all too many forget to bolster that education with real-world financial information that can be passed along for genera­tions to come. The good news is it’s never too early to share financial wisdom, to teach your children the value

Diversify Your Retirement Income

There are many factors to consider when it comes to planning for a secure and fulfilling retirement – you’ll have to think about everything from how you’ll fill your time to where you’ll live and how you’ll pay for it all. One solution is retirement income diversification. Similar to asset allocation among your investments, the

Mobile Check Deposit Available

We are excited to announce that starting May 3rd, Mobile Check Deposit will now be available for clients through the Investor Access mobile application. This new feature will allow you to quickly and easily deposit checks in to their eligible accounts using your smartphone or tablet. As long as you are enrolled in Investor Access

6 Myths About Sustainable Investing

While interest in sustainable investing has grown in recent years, myths regarding the popular strategy abound. The socially and environmentally conscious approach is designed to allow investors to build portfolios that align with their desires to make a positive impact on society and the environment – while also taking into account the risks and returns of

Where Medicare Falls Short

It’s never too early to start thinking and planning for retirement, especially when it comes to the top three expenses: housing, transportation and healthcare. You may have a clear vision of your ideal retirement, but that dream could fade if unexpected healthcare costs start to eat away at your hard-earned retirement savings. The fact is,

Time to Check Off Your Midyear To-Do’s

It’s time for your semiannual checkup. Look back on your progress thus far and talk to your advisor about any outstanding to-do’s. Plus, ’tis the season to spring clean your finances. Consider consolidating retirement accounts and requesting your credit report to see where you stand. Spring 2017 Market Closures Friday, April 14: Good Friday Monday, May 29: Memorial Day

4 Ways A Rate Hike Can Affect You

As expected, interest rates are on the rise again. Federal Reserve Chairwoman Janet Yellen and the Federal Open Market Committee (FOMC) voted on March 15 to raise the Federal Funds target rate by 0.25%. This rate sets the basis for what banks charge other banks to borrow money, and it’s also a starting point for interest rates on consumer-facing products like

Getting in Step with Retirement

When Fidelity Investments asked couples how much they think they will need to save for retirement to maintain their current lifestyle, 48% had “no idea.” Forty-seven percent disagreed on the amount needed (the disagreement highest among those closest to retirement). In some ways, that’s not surprising – many couples disagree on financial and lifestyle matters

Check Before Filing Your Return

It’s tax time. And as you work with your advisor or tax preparer to maximize your refund, or at least minimize what you owe, keep in mind that one of the most important things taxpayers can do to limit errors is to double-check the information they input into software or a printed form. It may

How to Pay an Unexpected Tax Bill

Many working Americans expect a refund come tax day, but this year, some of us may get an unexpected bill instead. So what happens if you fall into that camp? First, stay calm. Secondly, think strategically about how to pay what you owe, particularly if your money is invested, earmarked for retirement or stashed away

Retirement Readiness by the Decades

Whether you’re in your 20s or your 50s, there are steps you can take to help ensure a comfortable, secure retirement. Life, it has been said, is a marathon, not a sprint. The same can be said of planning for retirement: taking small steps over the course of years and decades means you’ll be fully

A Look Back at 2016…Raymond James Accomplishments

Raymond James 2016 Accolades

Preserving Family Wealth

Help your family maintain its financial strength from one generation to the next. As more and more baby boomers edge toward retirement, they’ll start thinking about what happens next when they finally shuffle off this mortal coil (apologies to Shakespeare). Many are planning to leave generous inheritances to the next generation, some of whom have

Patience Pays Dividends

Positive domestic equity returns, strong holiday sales, and high consumer confidence suggest the economy is on track for moderate growth next year. For months prior to the presidential election, investors remained in a holding pattern, poised to see how the domestic and global markets would react. Many international markets saw pullbacks, but U.S. stock markets

Keeping it in the Family

Proposed U.S. Treasury rules could mean a bigger estate tax bite for your family-owned entity. The U.S. Treasury recently proposed regulations that, if implemented in its current form, could mean higher valuations – and reduced valuation discounts – for family-controlled entities, meaning increased estate and gift taxes for families with large taxable estates that include

How Much or How Little the Kids Inherit

      How to have a valuable family conversation about your estate. Talking to family members about estate planning and legacies can be difficult and even painful. These discussions, however, are an important way to share your choices with your children and prepare them for their financial futures. Here are a few suggestions on approaching this tricky

Recruiting & Retaining Top Talent

Many businesses rely on the key employees within their organization for success. Competition for these people can be aggressive, so your business may be looking for strategies — beyond qualified plans — to help recruit, reward and retain key talent. Here are a few of options which fall outside the traditional qualified deferred compensation route.

FA Spotlight: Jeff Hausinger

Q&A with All Seasons Wealth Strategies CEO and Branch Manager Jeff Hausinger, CFP®, CIMA 1. How did you get into financial planning and why? How have you seen the industry change over the last 20 years? “The industry has changed a tremendous amount over the last 20 years and it has really been a fascinating

Planning to Give

Many of us want to give back, imagining a lasting legacy of generosity and good works. So we write checks when we’re moved to do so, volunteer from time to time and make donations during the holidays – all worthwhile endeavors. But creating a truly lasting legacy starts with making giving an active part of

Retiree in Training

Practice makes perfect when it comes to retirement. Are you ready to retire? Are you sure? Think about it before you say, “Yes!” Most of us really look forward to the idea of well-deserved, unstructured free time. A time to do exactly what we please when we please – travel, spend time with family, pursue hobbies, volunteer. Until we get there. A

What To Do When You’ve Been Hacked

What To Do When You’ve Been Hacked You’ve received the ominous message that your account has been compromised. Now what? Message: We have detected unusual activity on your account. Did you authorize this transaction? At first you think the text from your credit card company is a mistake; then reality sets in. You may have been

Where Your Retirement Money Goes

As you consider a long, happy retirement, give some thought to the largest aspects of your budget. Where your money actually goes may surprise you. Wealth alone cannot buy a quality retirement any more than it can buy happiness – but having a solid financial foundation can make those years more enjoyable. As you consider a

The Power of Roth

  Since Roth IRAs were first introduced in 1998, investors have been taking advantage of their many benefits: tax-free withdrawals; no age limits for contributions as long as you’re earning income; and no required minimum distributions, which means account holders have added flexibility when it comes to bequeathing tax-free money to heirs. Perhaps even better,

Four Smart Withdrawal Strategies

Consider the options for tapping into your retirement savings. It’s official. You’re retired. As in, your days are yours alone. No early morning meetings. No deadlines. No paycheck. Wait. What? Without a job, you’ll no longer receive a salary. Something you’ve likely relied on every couple of weeks for the past 40 to 50 years.

Are your Estate and Financial Plans Shock-Proof?

  Retirement is a time to enjoy family, hobbies, travel, volunteering, and maybe even taking a job that sounds fun and keeps you active. You may be in great health today and can’t imagine a time when you wouldn’t be able to do all the things you’ve dreamed about. While we all hope to live

Social Security Myths and Misconceptions

There’s no doubt about it. Filing for Social Security can be daunting. There are several factors to consider: What age is best to file? Are there benefits to waiting until after full retirement age? 70? Should you claim on your spouse’s record first? Can you still do that after the most recent budget bill changed

“Smart” Debt Can Help Build Your Business

Borrowing can be harmful, but the key to success is understanding how to use debt wisely. Borrowing beyond means can be harmful, especially high-interest debt, but there are instances when debt may be helpful. The key is to understand and respect the difference, know your debt-to-income threshold – amount of debt versus liquid assets –

Fall 2016 Workshop Dates Released

Baby-Proofing Your Finances

Review this checklist and prepare for parenthood with open eyes and special financial care. So, you’re going to be a parent. Exciting? Yes. Scary? Certainly. While finances may seem to be a daunting part of your new, more fiscally responsible life, this is just the beginning of navigating all that having a child brings. No

Tips for Proper Estate Planning

by Jeff Hausinger, CFP®, CIMA, Branch Manager Estate Planning is a vital part of the Financial Planning process for all of our clients.  We encourage our clients to have the proper conversations with their attorney and CPA to figure out the best structure for their individual needs.  The proper Estate plan is going to take

Tips for a Smoother Homebuying Process

As you hunt for a home, review these helpful and practical homebuying tips to avoid potential pitfalls. Homebuying is simultaneously one of the most exciting, frustrating, emotionally draining and ultimately satisfying endeavors you can go through. But if the thought of minimizing the frustration and exhaustion to make your homebuying journey more pleasurable appeals to

Your Retirement Plan B

Take the time to design an alternative retirement plan should retirement come earlier than expected. Imagine this. You’ve spent decades working, saving and planning for your version of the ideal retirement. But life decides to throw a little kink into your plans. Your company was just acquired, and your boss is now strongly encouraging you

Markets and Investing

By Sanjiv Saste, Financial Advisor Uncertainty and volatility have been roiling the markets for months and even years now leading to the broad markets trading in a range for over two years.  Amazingly though, the S&P recently broke through 2130 and may be starting a new bull leg despite world events and slowing growth throughout

Thriving with Special Needs

With thoughtful planning, you can help ensure the future care of a loved one with a disability. To live a full life, and attain some measure of security and happiness – this is what all good parents want for their children, including those with sons and daughters who have disabilities. The difference is that families

Can Taxes Scramble Your Nest Egg?

Proactive tax planning can help your retirement income last longer. When it comes to retirement planning, we typically tally up our daily expenses – housing, transportation, utilities, food, insurance, healthcare, entertainment – and budget accordingly for enough income to cover those wants and needs. But we may not factor in an annual expense we can’t avoid: taxes. One reason may be that our complex tax

The Importance of Starting Early–529’s

By Matthew Coffey, Financial Advisor 529’s can be a great way to save for a child’s education. 529 plans allow for all gains be to tax free assuming the funds are used for qualified education expenses. The government’s definition here is pretty broad and allows for tuition, books, and room and board among other expenses.

Financial Literacy for Children

Five financial lessons to help teach smart money management. It’s never too early to teach your children or grandchildren the value of a dollar. Children and young adults with a solid understanding of the role money plays in their lives can develop the skills they need to manage their finances responsibly. You can teach children

Planning to Claim Social Security?

As you prepare yourself for Social Security, be sure to ask yourself these questions. Almost two-thirds of today’s retirees rely on Social Security benefits to provide more than half their income. If you are planning to claim Social Security, timing, strategy and sound decisions can help you maximize your total household benefits. When and how you claim, your marital

Are you prepared for retirement?

‘How-To: Properly Prepare for Retirement” by Jeff Hausinger, Branch Manager Oftentimes, people first reach out to a financial advisor as they are a few months out from retirement. Although it is never too late to figure out a plan of action, the best approach is to formulate a plan years before you actually retire. We

All Wealth Expands to St. Pete

All Seasons Wealth Strategies is proud to announce the acquisition of the practice of Jim Currey and Tom Krejci, effective May 2016. The acquisition allows All Wealth to expand its reach into St. Petersburg, where Currey and Krejci are based. “The acquisition means more than the addition of two excellent advisors to our All Wealth

5 Tips for Future Wealth

It’s never too early to start accumulating wealth. Here are 5 steps to help yourself now so you can be in a strong financial position later. Get Started Saving– Passive income is a big help when it comes to building wealth—get started early. Education– There’s no substitute for a smarter you. Surveys continue to show

5 Tips for Retirement Savers

Whether you’re relatively new to the work force or thinking about retiring soon, there’s no time like the present to make a plan. Tax Shelters are your friend– Tax Shelters allow pretax savings, reducing your taxable income. This is helpful, but money growing tax free is even better. Make sure you know how much and

5 Tips for Young Investors

Are you in your 20’s or 30’s and just starting to think about how to acquire wealth? It’s not as difficult as it looks. Here are 5 simple tips to get you started. You’ll thank yourself later! Start Early– Even if you can’t afford to save much, starting early and forming the habit of saving

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