Q4 Wealth Management News & Client Events

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Social Security: A Woman’s Perspective

Regardless of whether you’re a man or a woman, Social Security will not – and was never designed to – provide all of the income you’ll need to live comfortably during retirement. At best, your income from Social Security will supplement your other sources.

If you are factoring Social Security into your retirement plan, you should learn all you can about how to enhance your benefits, and how much income you may need from other sources, to be financially comfortable during your retirement years.

Get the full story here:  Social Security a Woman’s Perspective

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Winter 2015

At least stateside, we’re being dealt too many aces for event the biggest naysayers to suggest we pick up whatever remaining chips we have on the table, cash out, and head for the door.  The economy created another 252,000 jobs in December, a record 58th straight month of private sector gains.  The jobless rate dropped to 5.6 percent, nearly back to normal after peaking at 10 percent in October of 2009, and consumers have returned in spite of the recent December report of a decline in consumer spending that was largely impacted by a 19% drop in gasoline prices (figures that aren’t adjusted for in the government’s release).  Read more here.   OCM Folio Winter 2015

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At least stateside, we’re being dealt too many aces for even the biggest naysayers to suggest we pick up whatever remaining chips we have on the table, cash out, and head for the door. The economy created another 252,000 jobs in December, a record 58th straight month of private sector gains. The jobless rate dropped to 5.6 percent, nearly back to normal after peaking at 10 percent in October of 2009, and consumers have returned, in spite of the recent December report of a decline in consumer spending that was largely impacted by a 19% drop in gasoline prices (figures that aren’t adjusted for in the government’s release). Read the Full Story >

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Q4 Wealth Management welcomed friends and clients to their Open House on June 4, 2014. The evening was filled with great cheese from our neighbor the Welsh Rabbit, great beer from CooperSmiths, and great conversation.

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The new year brings many resolutions … many in the pursuit of improvements we all feel we need to make!  One popular area is organization!  By now most of you are busy gathering information for your accounting professionals and wondering “can I shred this now?”.  Below is a guide which you can download and use for your own record keeping management!

What to Keep, Where to Store, and When to Shred

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Financial reports and statements can be daunting … no matter if they are in paper or digital versions!  Here is a reference guide for you to use when reviewing your statements.  It may be a bit long but well worth the read!

Account Statement Brochure

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Target and Neiman Marcus made the news this holiday season with the massive data breach their customers were victims of.  There will always be a new way to skin a cat and devious people are always going to be looking for ways to make a quick buck at someone eles’ expense.  That being said, it is important to review the various ways identity theft can happen and what one can do about it.  Please take time to review this presentation.  We hope you find it of value!

Minimizing the Risk of Identity Theft

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It’s January, when we all receive scads of year-in reviews.  While it might be fun to look back at 2013, it was a very good year for equity investments, with US stocks helping lead the way, it’s more instructive to go back further.

Folio Winter 2014

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Wells Fargo Advisors / First Clearing Corp. our clearing firm has released their 2014 Economic and Market Outlook.  Click on the link below to read the full report.

2014 Economic Outlook

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This year brings good news and not-so-good news for taxpayers.  the good news is that many lower-and middle-income taxpayers are likely to be unaffected by the majority of tax law changes taking effect in 2013.  The not-so-good news:  For those who are affected (primarily higher-income taxpayers), the changes enacted will probably result in you having a larger tax bill than last year, making it especially important that you meet with your tax professional and Financial Advisor as soon as possible.  But even if you’re not affected, you need to consider strategies now to help reduce how much you send the IRS in April.

Taxes Start Early 2013

Tax Planning Checklist