Small Business Planning

What the CARES Act Means for Small Business Owners

What the CARES Act Means for Small Business Owners The $2 trillion, 900-page Coronavirus Aid, Relief, and Economic Security (CARES) Act of 2020 is a historic package that seeks to provide support to individuals, families and businesses during this “social distancing” recession. If you’re a small business owner, you may qualify for a chunk of this change, which includes $500 billion for support to industries hurt by the crisis, and $400 billion in tax credits for wages and payroll tax relief. This small business support will come in several forms: • Paycheck Protection Program • Employee Retention Credit • Deferral Read More

What the CARES Act Means for Small Business Owners2020-06-09T17:33:49-07:00

What The Newly Passed CARES Act Means For You

What The Newly Passed CARES Act Means For You The Coronavirus has infected our life in many ways. Family and friends are sick, quarantined or under a stay-in-place order. The stock market is increasingly volatile. The kids are out of school. Restaurants and shopping malls are closed. More than three million unemployment claims were filed in one week. If you are laid off or you have closed your business, you know the headlines. After much deliberation, Congress responded. President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act, (CARES Act), a $2 trillion stimulus package to Read More

What The Newly Passed CARES Act Means For You2020-06-09T17:33:57-07:00

Top Questions to Ask a Financial Advisor Before You Hire Them

Top Questions to Ask a Financial Advisor Before You Hire Them Considering finding a financial advisor? Be sure to ask these important questions before you make the choice about which one to hire. Determining which financial advisor or wealth management firm to hire is one of the most important decisions you’ll make and can have a significant impact on whether or not you reach your financial goals and your desired lifestyle in retirement. So, how do you know what you should be looking for? Ask these 13 key questions to help you make an informed decision. #1: Who is your Read More

Top Questions to Ask a Financial Advisor Before You Hire Them2020-06-09T17:36:09-07:00

Spotting Credit Trouble

Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.[i] The wise use of credit is a critical skill in today’s world. Used unwisely, however, credit can rapidly turn from a useful tool to a crippling burden. There are a number of warning signs that you may be approaching credit problems: Have you used one credit card to pay off another? Have you used credit card advances to pay bills? Do you regularly use a charge card because you are short on cash? Do you charge items you might not buy Read More

Spotting Credit Trouble2020-06-09T17:36:20-07:00

Your Changing Definition of Risk in Retirement

During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results. What occurs with many retirees is a change in mindset – it’s less about finding the “best-performing fund” and more about consistent performance. It may be less about a risk continuum – that stretches from conservative to aggressive – and more about balancing the objectives of maximizing your income and sustaining it for a lifetime. You Read More

Your Changing Definition of Risk in Retirement2020-06-09T17:36:30-07:00
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