Advisors

Business owners with pass-through entities — including sole proprietorships, S-corporations and partnerships — may be entitled for a new 20 percent deduction on qualified business income on their 2018 tax return. Entrepreneurs with taxable income below $157,500 if single or $315,000 if married and filing jointly may qualify. Limitations to the tax break kick in
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Although the costs vary widely across the country, takeout and food delivery alone amounted to more than $2,000 a year, on average, the personal finance site said, while buying coffee on the go added up to more than $700 annually. New clothing and accessories accounted for roughly $750. Ride shares, such as Uber and Lyft,
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Jackie Cook, a specialist in corporate environmental, social and governance (ESG) disclosure analysis and founder of FundVotes, which was acquired last year by Morningstar, said the “engagement first, voting later” rationale doesn’t add up, because there is no reason why these companies can’t do both. And the engagements suffer from a lack of transparency. “There
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Daunting numbers indeed, but these conditions speak to priorities undertaken years earlier. Many families would list education as their No. 1 goal, and given the exorbitant cost of college tuition, it only makes sense that their nest egg is less than robust. This is an important distinction to make, that insufficient retirement savings could be
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“These consider additional factors about participants and have a more personalized portfolio for each person,” said David Blanchett, head of retirement research for Morningstar Investment Management. Target-date funds, which automatically shift from aggressive to conservative investments as investors move closer to retirement, held about $1.1 trillion in assets at the end of 2018, up from
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In addition to non-traditional strategies, Schmitzer is working with emerging market local currency bonds. While these investment-grade sovereign bonds are part of a volatile asset class and currency impact can be material, he said, he sees them as a part of a well-diversified fixed-income allocation. “We like the non-dollar denomination, which provides currency diversification,” Schmitzer
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Generating enough income in retirement calls for managing risks to that flow of cash. Retirement savers can’t do that unless they know what those risks are. Financial planners identify these eight prime retirement income risks and provide guidance for reducing them. 1. Timing: the risk you’ll retire during a bear market. Dallas-based certified financial planner
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