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Why Vampires Are Wealthy

 July 21 2017
One summer in high school I spent my lazy free-time reading vampire novels by Bram Stoker and Anne Rice. Years later I would read works by Charlaine Harris and, I am embarrassed to say, Stephanie Meyer. While I would not say I am a vampire fanatic, I find it an entertaining genre. I was therefore a bit too excited when a client said “that’s why vampires are so rich!” when discuss...

Upcoming Compliance Deadlines and Important Dates

 July 20 2017
HORAN Retirement Advisors partners with you to navigate and comply with your compliance obligations. Below are compliance deadlines and other important dates that are coming up.  Early August - Second Quarter 2017 investment performance available for review. August 14 - Deadline for providing second quarter individual benefit statements to participants in participant-d...

Trends in Defined Contribution Plans

 July 10 2017
Members of the HRA team attend industry conferences to stay up to date on current information and gather information on future trends in the industry. Below are my notes from a recent Company Retirement Plan/ Defined Contribution Conference sponsored by JP Morgan. The event brought together over 140 dedicated retirement plan advisors from around the country representing $1 trillion or one-sixth of...

Spanning the Spousal Gap

 July 5 2017
My first day on my first job out of college, a colleague told me that if a certain client’s wife called to be very careful about what I told her because she wasn’t privy to all of their financial information. I have come to see this, for one reason or another, as very common.  There is no judgement in my office, even if I’d bristle at being an out-of-the loop as a spouse. I...

Fiduciary Rule Update

 June 2 2017
  As you are aware, in 2016 the Department of Labor (DOL) finalized regulations updating, and expanding, the definition of "fiduciary" in regards to the provision of investment advice. Originally these regulations were set to become applicable in April of this year. The current administration wanted to delay the applicable date to allow the DOL to fully examine the impact of the new rules. A...

No Beneficiary Designation. Who Gets The Money?

 April 20 2017
According to a recent Wall Street Journal article, retirement plans and IRAs account for about 60 percent of the assets of U.S. households investing at least $100,000.¹ Both state and federal laws govern the disposition of these assets, and the results can be complicated, especially when the owner of the account has been divorced and remarried. Therefore, it is important for plan fiduciaries ...

HORAN names Amanda Chapman Chief Compliance Manager

 April 14 2017
HORAN recently announced the promotion of Amanda Chapman to Chief Compliance Manager for HORAN Securities and HORAN Capital Advisors.

The New Administration’s Key Initiatives

 March 16 2017
What is the new Fiduciary Rule and what does it entail? 

A Use for Intra-Family Loans

 February 15 2017
As mentioned in my previous post, borrowing from The Bank of Mom and Dad can be very attractive for a child mostly because of the low interest rates. However, the strategy does benefit the parents too, especially when trying to achieve the nearly universal goal of those with a taxable estate – reduce Uncle Sam’s inheritance as much as possible. 

Intra-Family Loans

 February 8 2017
Borrowing from Mom and Dad after a certain age can make you bristle if you’re otherwise independent and accustomed to supporting yourself. However, it can make solid financial sense for both parties in certain cases.
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