How To Handle Your Pension Options


Over the years, one common choice individuals are faced with is how to receive their pension benefit when it is offered to them at retirement. There are more numerous options routinely available, such as a single life payment, joint life payment or even more common in recent years, the lump sum option. Let’s first start…

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Tax Loss Harvesting – How To Limit Your Tax Liability


There are few things people dislike more than having to pay taxes. Investors are no different in that regard, and perhaps even more so as it pertains to capital gains taxes. When an individual goes to work, they know at the end of their work day that they will typically be paid based on specific…

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How To Understand The Gift Tax


One of the more confusing taxes to grasp for the average American is the gift tax. Despite what many people think, although you can give an unlimited amount of assets to a charitable organization, you are effectively limited to that which you can gift to your own family and friends. A gift in the eyes…

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How To Understand Municipal Securities


The bond market is the largest public securities market in the world, and substantially larger than the stock market. When investors allocate assets in their investment portfolios, oftentimes those in higher tax brackets will opt to utilize municipal securities for the added tax benefits.   What are municipal bonds? A muni bond, like any other…

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How To Understand Floating Rate Notes


In recent years we have seen unprecedented actions by global central banks to influence economic events and create monetary stimulus. Here in the United States, the Federal Reserve has held interest rates well below historical norms through both conventional and unconventional methods. There can be a number of unintended consequences with any actions that distort…

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Understanding Floating-rate Securities


In recent years we have seen unprecedented actions by global central banks to influence economic events and create monetary stimulus. Here in the Unites States, the Federal Reserve has held interest rates well below historical norms through both conventional and unconventional methods. There can be a number of unintended consequences with any actions that distort…

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Should I Convert To A ROTH IRA?


Whether or not you should convert to a ROTH IRA, like most financial questions is dependent on the circumstance. First it’s important to distinguish between a contribution and a conversion. A contribution to a ROTH is a not tax-deductible addition from a savings source that is not part of a current retirement plan. This is…

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Buy-Sell Agreements: The Basics


One of the most important issues for small, closely held businesses is that of business continuity. This can be a concern in the face of a variety of obstacles. One of the most important areas of concern is related to a business interruption in the face of a partnership. Creating a new business entity with…

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Understanding Convertible Bonds


The convertible bond market is practically an asset class all to itself because of the hybrid nature of these instruments. A convertible bond is essentially a bond issued by a corporation that allows holder to convert the bond to stock based on a predetermined formula. This is typically an option and not a requirement. So…

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Using Managed Futures To Lower Volatility


In recent years the mutual fund industry has seen an enormous expansion of alternative investing strategies which have made a variety of investment approaches that had historically been available only to the high net worth investor, available to the general public. There are a whole host of alternative strategies to choose from, each with the…

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