Articles

Supreme Court Ruling: Inherited IRA’s and Bankruptcy

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Thursday, July 10th, 2014

Background Since the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, individual retirement accounts (IRAs) have been protected under federal law if you declare bankruptcy. The exemption was originally capped at $1 million, but has since grown to $1,245,475 (as of April 1, 2013) due to cost-of-living increases. (The million-dollar cap Read More
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Retirement Planning – What’s Your Hurdle Rate

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Friday, June 20th, 2014

In over 18 years in the financial services industry, I continually see biases and mistakes that people make in their financial planning (or lack of planning). These biases can lead to less than optimal investment decisions (in many cases buying on greed and selling on fear – typically at the worst times). When coupled with Read More
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Should You File Early For Social Security

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Monday, June 9th, 2014

Per the Nationwide Financial survey released last Wednesday (June 4th), 38% of retirees who claimed Social Security benefits before full retirement age now regret their decision and wish they had waited as it would have resulted in a larger monthly payment that many Baby Boomers need. This is even more important today with both costs Read More
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Taking 529 Plan Withdrawals

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Friday, April 25th, 2014

Now that we are in the spring, many parents are getting ready to send their high school seniors off to college for the first time. Because of this, I am getting a lot of calls from clients on how to best take withdrawals out of their 529 Plans to pay for college expenses. First off, Read More
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Dealing With The New ObamaCare 3.8% Tax

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Friday, April 4th, 2014

As most people are at least worrying about how much longer they can procrastinate thinking about their 2013 Tax Return (Tuesday April 15th), American taxpayers have just 11 more days to either file or extend. Many of you reading this newsletter also have to deal with many new taxes related to the American Taxpayer Relief Read More
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3 Things Most Financial Planners Do Wrong

Written by Scott Bishop, MBA, CPA/PFS, CFP® | Thursday, March 27th, 2014

Three Things That Most Financial Planners do Wrong! Usually when I talk with reporters they ask me my thoughts or ideas on planning topics. Last week, I got a very different question that really made me think. The reporter asked “What are the three things that most financial planners do wrong”? That reporter knows that I Read More
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