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The Blog

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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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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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 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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Happy New Year Gift!

Looking for all the Financial Planning Key Numbers for 2017?  Look no further.  We have them for you here! Key Numbers 2017 1

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