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May 18, 2022

Assessing the impact of rising rates on Fixed Income Performance

As inflation measures reached their highest levels in 40 years and with US GDP growing at an annualized 6.9% for 2021, the Federal Reserve finally began raising rates in March, and FOMC members have intimated an aggressive tightening plan with…

April 13, 2022

Delaware and Trust Modification

An irrevocable Trust is created based on the initial intent and desire of the Grantor who created the Trust. As time passes the initial purpose or circumstances concerning the Trust may have changed. This is where a Trust modification could…

March 21, 2022

Russian Oligarchs and Money Laundering

The largest military conflict and refugee crisis in Europe since World War II has now been entered into the history books.  On February 24, 2022, Russia invaded Ukraine causing over three million Ukrainians to flee their homes and many innocent…

March 2, 2022

Avoiding “Happy Accidents”

“We don’t make mistakes, just happy accidents.” – Bob Ross  I recently watched the Netflix Documentary, Bob Ross: Happy Accidents, Betrayal and Greed. I remember watching The Joy of Painting when I was a kid. He was such a joyful…

February 14, 2022

Required Minimum Distributions (RMD) and IRS rule changes

On December 20, 2019 the Secure Act made major changes to the RMD rules. One of these change affects retirees who turned 70½ years old after December 31, 2019. As of January 1, 2020 the new age for a required…

January 21, 2022

What is a Lady Bird Deed?

A lady bird deed is a special kind of property deed that allows a real property owner to retain use and control over a property during their life and names one or more people, trusts, or organizations to inherit the…

January 3, 2022

2022 Deja Vu?

To quote the great Yogi Berra, “It’s like déjà vu all over again.”   If you had asked me six months ago, I would have guessed that we were largely past Covid.   As I write this, the Omicron Covid variant is…

December 20, 2021

Information Security and Retirement Plans

Recently, a financial consultant sent us a very detailed questionnaire for a mutual client’s retirement plan audit. We were asked to describe our IT systems back up and disaster recovery procedures and how rapidly they can be activated. They wanted…

December 7, 2021

Missing Participants – Employee Benefits

A missing participant is a participant or beneficiary who is a former employee for whom the plan administrator does not have current or adequate information. Common signs of a missing participant include returned mail and/or email, no web account or…

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