Why Your Retirement Is Uncertain

on October 30, 2018 Comments Off on Why Your Retirement Is Uncertain

The retirement question most of us have to face is, “when should I retire?” And for most of us, that is not an extremely clear answer. There are so many factors to consider: social security, pension, health care costs, just to name a few. Let alone considering the factors like the mental, social, physical and spiritual aspects of your retirement to consider.

From purely a numbers stand point, meaning will the money I have saved be enough to allow me to accomplish my goals, that can be dialed in by determining key strategies and goals in the financial piece of your retirement puzzle. Some important keys to success include:

  • Matching your retirement to your preretirement lifestyle to minimize drop off in living standards.
  • Maximizing your income so that social security is no more than 40%, your max preretirement income value, of your retirement income.
  • Placing retirement savings ahead of other goals, like paying for your children’s college or a vacation home, to make sure you stay on track.
  • Don’t be totally exposed to stock market fluctuations. Having steady income from several sources will help to minimize the impact of market change.

The are just a few of the strategies to consider, but when it comes down to the formula, it takes a partner to help you accomplish your goals. We’re here to help. Independent, customer focuses and driven to serve, we want you to succeed. To find out more, let’s talk.


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Jase TeamWhy Your Retirement Is Uncertain

Do You Know The Risks To Your Portfolio?

on October 16, 2018 Comments Off on Do You Know The Risks To Your Portfolio?

We can spend a lot of time building and diversifying our portfolios, but when’s the last time that you conducted risk assessment to determine it’s long-term viability?

Conducting a portfolio risk assessment can let see your asset allocation as it changes over time due to performance. This is key in preventing you from taking a level of risk that you are uncomfortable with. The reality is that even how you view your portfolio construction can change over time with your risk tolerance, investment goals and timelines.

Our approach to portfolio management is based on 5 pillars of portfolio construction. We construct client portfolios to reduce risk and volatility while working to maximize the probability of success over the long term.  We implement a process of investing that is goal oriented and progress driven. We believe that if you can measure progress, you can manage future outcomes and make positive adjustments over the long term.  If you need help investing your savings in a way that is consistent with your goals, we are here to help by working with you to make the financial markets less confusing and providing a way for you to have access to a well constructed portfolio that provides an increased probability of success.  With our Portfolio Management Services, we serve you as your investment advisor putting your best interests first.  We will help steward your portfolio through the volatile markets over time while educating you about the investment process and financial markets.

Let’s Talk!


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Jase TeamDo You Know The Risks To Your Portfolio?

Tips For The Retirement Plan Sponsor

on September 18, 2018 Comments Off on Tips For The Retirement Plan Sponsor

Congratulations, you’ve made the leap and now are offering a retirement package to your employees! As a business owner, you ultimately have a fiduciary responsibility when it comes of offering a retirement plan for your employees. Whether or not you are the retirement plan sponsor or you have a third-party, here are some tips from the IRS to make sure you’re plan stays in compliance:

  • Your document must be written to comply with all requirements with the Internal Revenue Code.
  • Your plan must be administered to follow its terms in operation.
  • You must review your plan annually to make sure its operation in the terms and laws.

If you select the option of pre-approved plans, you must make sure you double-check the options in your adoption agreement as well as knowing what your service agreement does and does not cover. It is also your responsibility to keep up with your plan’s ongoing maintenance responsibilities.

To read more from the IRS, click here.

These are just a few tips to help you get started. We know, of course, that all this can be a lot for you at the beginning. We’re happy to sit down with you and help you create a plan to manage your company’s retirement plan well. Don’t go it alone. Let’s talk!


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Jase TeamTips For The Retirement Plan Sponsor

Do You Know The Small Business Tax Breaks?

on September 4, 2018 Comments Off on Do You Know The Small Business Tax Breaks?

Being a small business owner means you wear many hats. Performing all the roles that you do to make your business successful is rewarding, but it can also make it difficult to cover every base effectively. One of those areas is the constant changes and updates to small business tax law and how you can leverage small business tax breaks.

There are many different areas in your day-to-day operations that impact your taxes. Decisions like:

  • Home-office deduction
  • Office furniture and decor
  • Website costs
  • Professional service fees
  • Charitable donations
  • Marketing and advertising

These are just some of the many decisions you may make this year that can impact your business taxes. There are many more. The key is to look at tax credits and not just deductions. (Just as a refresher, deductions lower your taxable income amount and credits are a dollar-for-dollar reduction in your tax bill) By utilizing every break you can help your business.

Of course, it can always help to have help in reviewing your business and that’s what we’re happy to do. We know tax law can be challenging, so if you have questions, or aren’t sure. Let’s talk.


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Jase TeamDo You Know The Small Business Tax Breaks?

Making Sure You Have The Right Beneficiaries

on August 21, 2018 Comments Off on Making Sure You Have The Right Beneficiaries

You work hard, for many years, accumulating your wealth, financial assets and insurance plans to make sure that your family is taken care of when you’re gone. But it never fails, at one point or another, the thought crosses our mind, “Am I certain my beneficiaries are correct?”

Some of the most common mistakes when it comes to beneficiaries are the following:

  • Not naming a beneficiary – By not doing so, your assets will go through probate, but in the case of a retirement or insurance plan, there may be a contract provision that designates a default beneficiary, who may not be who you intended.
  • Naming your estate as your beneficiary – When this is done, it goes through a probate and can be more limiting than if you names a spouse or non-spousal beneficiary.
  • Outdated beneficiaries – You may not want the person that gets your benefits to be the one to receive them if they’re out of date.
  • Naming minors as direct beneficiaries – When that child turns 18 or 21, depending, they will be paid out directly. Handing a large lump sum of money to an 18-year-old may not be the best decision.

These are just a few of the commonly made mistakes. There can be more complications if your beneficiaries are not taken care of. For help with those scenarios and to help and your questions, we’re here. Let’s talk.


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Jase TeamMaking Sure You Have The Right Beneficiaries