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  1. Home
  2. Archived Blog
  3. May 2018

May 2018

Why Medicare Should Be Part of Your Retirement Planning

Submitted by Ferguson Financial Inc. on May 30th, 2018

 

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Provided by Greg Ferguson

 

Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options and their costs and limitations.  

 

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  • Medicare in Retirement Planning
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Including Digital Assets in Your Estate Plan

Submitted by Ferguson Financial Inc. on May 30th, 2018

 

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Provided by Greg Ferguson

 

When people think about estate planning, they may think in terms of personal property, real estate, and investments. Digital assets might seem like a lesser concern, perhaps no concern at all. But it is something that many are now considering.1

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  • Digital Assets in Your Estate Plan
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How New Tax Laws Affect Small Businesses

Submitted by Ferguson Financial Inc. on May 24th, 2018

 

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A recap of the major changes impacting corporations and closely held firms.

 

Provided by Greg Ferguson

 

The Tax Cuts & Jobs Act changed the tax picture for business owners. Whether your company is incorporated or held closely, you must recognize how the recent adjustments to the Internal Revenue Code can potentially affect you and your workers.

   

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  • How New Tax Laws Affect Small Businesses
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What Women Shouldn't Retire Without

Submitted by Ferguson Financial Inc. on May 24th, 2018

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A practical financial checklist for the future.

 

Provided by Greg Ferguson

 

When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2 

 

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  • What Women Shouldn't Retire Without
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Wealth Management With Memory Disorders

Submitted by Ferguson Financial Inc. on May 24th, 2018

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What steps can a family take?

 

Provided by Greg Ferguson

 

Besides impacting lives and relationships, dementia can also impact family finances. It may call for another family member to assume money management responsibilities for a parent, grandparent, or sibling. It may increase the risk of financial exploitation, even as we do our best to guard against it.

 

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  • Memory Disorders
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72t Distributions

Submitted by Ferguson Financial Inc. on May 12th, 2018

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Sometimes you can take penalty-free early withdrawals from retirement accounts.

 

Provided by Greg Ferguson

 

Do you need to access your retirement money early? Maybe you just want to retire before you turn 60 and plan a lifelong income stream from the money you have saved and invested. You may be surprised to know that the Internal Revenue Service allows you a way to do this, provided you do it carefully.

 

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The A, B, C, and D of Medicare

Submitted by Ferguson Financial Inc. on May 12th, 2018

 

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Breaking down the basics & what each part covers.

 

Provided by Greg Ferguson

 

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover and where they come from.

 

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  • The A, B, C, and D of Medicare
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Managing Money Well as a Couple

Submitted by Ferguson Financial Inc. on May 12th, 2018

 

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What are the keys in planning to grow wealthy together?

 

Provided by Greg Ferguson

 

When you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple, you may also have to succeed financially. The good news is that is usually not so difficult.

 

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  • Managing Money Well as a Couple
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Combining Your Finances When You Marry

Submitted by Ferguson Financial Inc. on May 12th, 2018

 

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How separate (or intertwined) should your financial lives be?

 

Provided by Greg Ferguson

 

Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial decisions and details to themselves, and their relationships are just fine.  

 

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  • Couple's Finance
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The Backdoor Roth IRA

Submitted by Ferguson Financial Inc. on May 10th, 2018

 

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A move that high earners can make in pursuit of tax-free retirement income.

 

Provided by Greg Ferguson

 

Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give yourself the potential for a tax-free income stream in retirement.  

 

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1031 Exchanges, The What, Why, When, & How

Submitted by Ferguson Financial Inc. on May 10th, 2018

 

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Real estate investors trying to defer taxes may want to explore like-kind exchanges.

 

Provided by Greg Ferguson

 

What exactly is a 1031 exchange? For some real estate investors, it may be a nice answer to a dilemma involving an income property. A properly executed 1031 exchange lets an investor sell one property and buy a similar one while deferring capital gains taxes. Also called a Starker exchange or a like-kind exchange, this procedure has been used for some time.1

   

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  • 1031 Exchanges
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Retirement Planning Weak Spots

Submitted by Ferguson Financial Inc. on May 10th, 2018

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They are all too common.

 

Provided by Greg Ferguson

 

Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed.

 

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