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May 8, 2010 |
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Greetings!
First of all, and most importantly, Happy Mother's Day from all of us at Alliant Wealth Advisors.
Announcements
On April 12, the Financial Planning Association published my article “Until Death Do You Part: Financial Pre-Planning During Marriage”. See the article below. Also, this week I attended the 2010 Summit on Retirement Income in Chicago and heard from nationally recognized experts on the topics of:
- Maximizing Social Security Benefits
- Influencing the long-term sustainability of a client's next egg
- New calculus behind withdrawal rates
- Annuities in retirement income portfolios
- Long-Term Care
As always, we enjoy hearing from you. If you find our newsletter helpful, please share with your family and friends by clicking on the "Forward Email" at the bottom of this newsletter. To provide feedback, simply email us.
Best,
John A. Frisch, CPA/PFS, CFP
President & Founder |
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Until Death Do You Part:
Financial Pre-Planning During Marriage |
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This article originally appeared on the FPA’s Web site, and is reprinted with permission.
Every year in the U.S., over a million women lose their husbands and find themselves widowed. According to the U.S. Census Bureau, there were 11.4 million widows in the United States at the end of 2009. Each widow's circumstances is very different from the next, but almost all widows experience a dimension of grief invading their lives, clouding the decision-making capabilities of even the sharpest among us.
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Comment on This Week's Market Volatility |
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As long-term clients know I rarely comment on market activity at any given time. What markets do over the short-term is irrelevant to my client’s long-term goals. We are not going to change our plan due to market fluctuation. The only reason to modify a plan is if goals or financial circumstances change.
Next week I hope to release my 2nd in a series of articles entitled the “Bear Market Survival Kit”. The point of this series is to help you stomach the inherent market volatility and our apocalyptic news media by providing perspective and education. Since the markets are not cooperating by waiting for my series to be completed I felt I would provide this quick pick-me-up.
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Ways to Analyze Charities and Give Smarter |
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Despite the recession, Americans haven’t shut down much of their charitable giving. According to the Giving USA Foundation, U.S. charitable giving stood at $307.65 billion in 2008, down only 2 percent from the previous year.
This year may not be an exception given the outpouring after the Haitian earthquake. But if you’re going to give, give smart. It makes sense to develop a long-term giving strategy that dovetails with your current finances, your estate-planning strategy and your values.
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New Medicare Tax for High-Income Individuals |
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The recently enacted health-care reform legislation includes new Medicare-related taxes. These new taxes take effect in 2013, and target high-income individuals and families. While additional details and clarifications will become available between now and 2013, here's what you need to know.
New additional Medicare payroll tax
New Medicare contribution tax on unearned income
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| About Us: Located in Woodbridge, VA, Alliant Wealth Advisors (formerly Millennium Capital Management Corp) was founded to help a select group of families achieve all that is important to them financially. To achieve our mission we use a consultative wealth management process, which includes both investment consulting and advanced planning. Our approach assumes that every client is unique; every client has varying needs and objectives; and no two clients share the same risk tolerances, time horizons and dreams. In addition to providing our expertise we work with clients' existing advisors and, where there is a gap to fill, we use our own outside experts in the fields of tax, legal and high-end Insurance. |
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