Entries for 2011

End of the Year Tax Planning Tips for Your Individual Clients

 December 1 2011
Legislation was passed in December of 2010 to extend the current tax rates until the end of year 2012. The big unknown is what Congress will decide or not decide to legislate moving forward. At this point, the "super-committee" has concluded talks without an agreement. No-one can predict the outcome of the debate within the House over the next year.

Great Outcomes: A Newsletter for Retirement Plan Sponsors - December 2011

 December 1 2011
It is important to remember per-participant fee disclosure for 401(k) plans goes into effect in 2012. As that occurs, plan sponsors will find themselves under increased pressure to either reduce fees or justify higher expenses.

Benefits News - 4th Quarter 2011

 December 1 2011
There are 1,500,000 heart attacks each year in the United States leading to almost 700,000 deaths. This is equivalent to 10 times the deaths of US soldiers in Vietnam. An American’s chance of dying from cardiac disease is about one in three.

Investment Insight - Fourth Quarter 2011

 October 1 2011
Debt, in the right amounts and at the right times in our lives, can be very beneficial in helping us get ahead. But if you get into a situation where you can't pay it back, it can turn out to be one of the ugliest nightmares you'll ever face. You might think that if the lender says you're fine to borrow the money, it must be OK to proceed. But there's one gigantic problem with those income and ...

Tax Planning: Don't Forget about the IRA "Charitable Rollover"

 October 1 2011
As a reminder, the Qualified Charitable Distribution (QCD) provisions were reinstated through 2011 as part of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 (PL 111-312). The provision allows individuals age 70 ½ or over to exclude from gross income up to $100,000 that is paid directly from their IRA (excluding SEP or SIMPLE IRAs) to a qualified charit...

Great Outcomes: A Newsletter for Retirement Plan Sponsors - October 2011

 October 1 2011
Plan sponsors look for recommendations from financial advisors and ease of doing business as reasons for selecting a provider, says Linda York, senior product director and author of Retirement Planscape 2011 by Cogent Research. In an article by Karen DeMasters in the August 17, 2011 issue of Financial Advisor Magazine, York says fiduciary services rate low on plan sponsors’ list of things...

Investor Letter from HORAN Capital Advisors - Fourth Quarter 2011

 October 1 2011
The frequencies at which we see markets begin and end at the same level in any given year are quite rare. The S&P began 2011 at 1,257.64 and ended the year at 1,257.60. This narrow decline was the slimmest since 1947. However, it was anything but a smooth ride in 2011. The trading range was considerably wide. The new phrase repeated throughout the year was “risk on/risk off,&rdqu...

Employer Medicare Part D Disclosure and Reporting Obligations

 September 1 2011
The Patient Protection and Affordable Care Act amended the Social Security Act changing the Medicare Part D annual enrollment period to October 15th through December 7th.  This change will require plan sponsors to update their Medicare Part D Notices of Creditable or Non‐creditable Coverage and requires plan sponsors to provide the notices to Medicare eligible participants by October ...

Benefits News - Third Quarter 2011

 September 1 2011
Although you may review your financial goals and investments regularly, how often do you update your life insurance coverage? As your financial and family situations change over time, your life insurance should be reviewed periodically to keep up with those changes. The amount, type and the length of your life insurance needs will change during your lifetime.

Great Outcomes: A Newsletter for Retirement Plan Sponsors - August 2011

 August 1 2011
Note to Plan Sponsors: Do you know how much you’ll need in retirement? Do your employees? Whatever that “number” might be, research suggests that you, and they, will have a better chance of achieving it if it is well defined.
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