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The Blog

What you don’t see…

What you don’t see… It is in human nature to move toward wants.  When I look out on a rainy Saturday, I know I NEED to exercise and get moving, but I WANT to sit on the couch and binge watch Netflix with my family.  We NEED to do things we don’t want to, so […]

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Murphy’s Law & Life Insurance

Murphy’s law doesn’t just affect the Sixers. Bad things happen to good people at the worst time. Over the years, some clients finally make the decision to buy life insurance, then get denied. It is not a given that you can get affordable life insurance. An insurance company will not insure a house that is […]

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Calculating Required Minimum Distribution (RMD)

When calculating a Required Minimum Distribution (RMD), not only do your IRAs count but potentially your work plans. Here’s a mistake a lot of people make. RMD’s must come from each plan individually for both plan participants and beneficiaries of the plan. Employer plan RMD’s cannot be calculated and taken out of one account! There […]

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Required Minimum Distributions (RMD’s)

When to take your required minimum distribution might sound simple. It’s not.  You might be able to delay it until the following year, you might qualify for the “still working” exception, and there is a difference between how Roth IRAs are treated versus Roth 401(k)’s.  The one thing that is easy to understand is the […]

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MERRY CHRISTMAS!

2018 Clark Christmas

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When Markets Drop

Click on the link to read a piece John Clark wrote. When Markets Drop 2018

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ROTH IRA’s

Lots of people have heard of a ROTH IRA. Did you know contributions normally come out first? Let’s look at a hypothetical situation of investing $5,000 and the Roth IRA account grows to $7,000 and the person takes out $6,000. The first $5,000 comes out tax free, but the other $1,000 would be taxed and […]

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Life Insurance

It’s important to sit down and find out how much Life Insurance your family needs. It can feel overwhelming and many people have none or not enough of the stuff. There is also a whole bunch of different products out there too. So here are some tips: Take your income and divide it by 5%. […]

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College Salary Shock

June 6, 2018 – According to www.jobsearchintelligence.com the initial College Graduate Salary is not as high as one would believe given the nutty rising cost of college. 2% of grads earn over $60,000.  98% earn less!  59% earn between $30-$40k. College salaries 10 years out were much more telling. 13% earned more that $60,000 and […]

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New 529 Plan Rules

The new tax act that passed recently, has enhanced the already great 529 Plan. But keep in mind, NJ does not have any major tax breaks for using 529 plans. The new tax legislation allows the owner to use up to $10,000 a year for kindergarten through 12th grade expenses at private and religious schools.

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Disclosure

Advisory services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor. Securities offered through ProEquities, Inc., a Registered Broker-Dealer, Member FINRA and SIPC).
Clark Associates Financial Planning, Inc. is independent from ProEquities, Inc.

DISCLOSURE: This site is only intended for clients and interested investors residing in states and countries in which Clark Associates Financial Planning, Inc. is qualified to conduct investment advisory services. Clark Associates Financial Planning, Inc. is located in Gibbsboro, NJ. Clark Associates Financial Planning, Inc. may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Clark Associates Financial Planning, Inc.’s website is limited to the dissemination of general information pertaining to its investment advisory services. Please contact Clark Associates Financial Planning, Inc. at 609-567-1884 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Clark Associates Financial Planning, Inc. does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a Clark Associates Financial Planning, Inc. representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides. Note: We regret that we cannot respond to your comment via e-mail. For security reasons you should not provide your Social Security number or account number through this page. We are also unable to process address changes or account transactions sent via this page.

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