Tips for Leveraging 529 Education Savings Plans
With the costs of college rising as much as 5% per year, the time to start saving and planning for a child’s education is now. If you’re a parent or grandparent, a 529 plan can be a great saving’s vehicle that also offers tax advantages. Read this article for some of a 529 plan’s key benefits.
Data Security at Janney
Protecting the privacy and security of your financial and personal information is a top priority at Janney. It’s part of our mission “to be the highest standard in financial relationships.” We’ve based our comprehensive information security and privacy program on industry and international business best practices. Read this article to learn more.
Bits and Bytes in Your Estate Plan
While technology has brought upon us a variety of conveniences and efficiencies, have you thought about how it could affect your financial legacy and beneficiaries? This new education article by Janney Vice President & Senior Estate Planner Mike Repak, explores the importance of having a comprehensive estate plan that considers your digital assets.
Investment Principles That Endure Through Any Market Condition
Investors are often bombarded by all sorts of information that can affect their decisions. That’s why it’s important to take a breath before acting on an attention-grabbing number or headline. Rather than giving in to your gut, pausing to remember the investment practices outlined in this article could save you over the long term.
What can investors expect in the New Year? While there are always variables of concern for investors, the good news is the economy seems well fortified to overcome current challenges, such as the lingering pandemic. Janney’s Chief Investment Strategist and Chief Fixed Income Strategist detail their thoughts in this in-debt special report.
Important Planning Considerations: Insurance & Long-term Care
While saving, investing, and generating income in retirement are critical components of building a solid financial foundation, so too are strategies for protecting your income and assets from the unexpected. Have you considered the importance of insurance and long-term care as part of your financial plan? Read this article to better prepare for uncertainty.
Navigating Your Medicare Options
While outlasting your assets is a matter of disciplined saving and investing combined with the power of time, protecting your savings from health care costs requires you to make some careful choices based on a thorough understanding of Medicare—in particular, what it does and doesn’t cover. Read this article to learn more.
The Three A’s of Retirement Income
You’ve spent your entire working life saving and investing in tax-advantaged retirement accounts like 401(k)s and IRAs. As retirement draws nearer, however, it is important to expand your focus beyond accumulating assets, to start planning how you will generate annual income from those assets. This article explains three important planning considerations for an effective retirement income strategy.
Optimizing Tax Strategy and Charitable Giving with a Donor Advised Fund
An advantage of employing the use of a DAF in your charitable giving strategy is that, in certain scenarios, it can be utilized to separate your tax strategy from your charitable giving strategy. Learn about your options in this article by Janney’s Vice President & Head of Wealth Planning.
Making a Charitable Gift? Consider a QCD
If you are planning to make a charitable gift, it’s important to ensure you distribute the funds in a manner that is tax-efficient and aligns with your needs and goals. In this article by Vice President & Senior Financial Planner Jack Cintorino, you can explore whether Qualified Charitable Distributions (QCDs) could be a fit for your charitable donation.
Giving the Gift of an Education to the Next Generation
Giving or contributing to the gift of education for a loved one is an impactful and rewarding way to exercise the act of giving. One way to do this is through a 529 Education Savings Plan. Read this article to learn about the several tax-related advantages that go along with this unique “Gift of an Education” opportunity.
Evaluating Your College Savings Withdrawal Strategy
Congratulations—your child has been accepted into college! It is likely that you have been saving for some time, and are now ready to start withdrawing from your college savings account(s). It is important to understand the benefits and limitations of each college savings vehicle in order to prioritize its use based on financial aid or tax considerations.
American Rescue Plan Act: Implications and Planning Strategies
The American Rescue Plan Act (ARPA), enacted to provide economic relief to people adversely affected by the Covid-19 pandemic, has some provisions that warrant attention and planning. Under certain circumstances, some income could have a high marginal rate. Careful attention to the Act may help people be aware of the possible tax pitfalls.
Window of Opportunity: Leveraging the Estate and Gift Tax Exemption
The estate and gift tax exemption limit is currently at a historical high. In anticipation of a significant decrease in the established limit in 2026, we’re taking a look at a few strategies for consideration, in order to leverage this unique situation through tax-efficient wealth transfer.
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