Recent Updates

🚀 SECURE 2.0 Act: What Plan Sponsors Need to Know Now The SECURE 2.0 Act is reshaping retirement planning in 2025. Here's what plan sponsors should be aware of: ✅ Enhanced Catch-Up Contributions: Individuals aged 60-63 can now contribute up to $10,000 more annually to their retirement plans. 🔄 Mandatory Auto-Enrollment: New 401(k) and 403(b) plans must automatically enroll employees at a 3-10% contribution rate, increasing annually by 1% up to 15%. 🕒 Expanded Eligibility for Part-Time Workers: Employees working at least 500 hours per year for two consecutive years are now eligible to participate in retirement plans. 📞 Need assistance navigating these changes? Our team is here to help you understand and implement the SECURE 2.0 provisions effectively. You can read more in the article below. #RetirementPlanning #SECURE2.0 #PlanSponsors #EmployeeBenefits #FinancialWellness

What’s next for the economy and markets? Join our exclusive virtual presentation where Janney’s Investment Strategy Group shares its views on the economy and markets, inflation, monetary and fiscal policy, and what it all means for your portfolio strategy.

🔍 When Should You Engage a Financial Advisor? Navigating the complexities of personal finance can be challenging. Knowing when to seek professional guidance is crucial to ensuring your financial well-being. The article "When Should You Engage a Financial Advisor?" from Carroll News sheds light on key moments when consulting a financial advisor can be beneficial. Whether you're experiencing major life changes, planning for retirement, or making significant financial decisions, a financial advisor can provide personalized strategies to help you achieve your goals. 📌 Key Takeaways: Major Life Events: Marriage, divorce, or the birth of a child can significantly impact your financial situation. Career Milestones: Receiving a promotion or changing jobs may introduce new financial complexities. Retirement Planning: Ensuring your savings align with your retirement goals is essential. Investment Decisions: Professional advice can help you navigate the complexities of investing. Estate Planning: Planning for the distribution of your assets is crucial for your legacy. Engaging a financial advisor during these pivotal moments can provide clarity and help you make informed decisions to secure your financial future. 🔗 https://carroll.news/when-should-you-engage-a-financial-advisor/ #FinancialPlanning #FinancialAdvisor #PersonalFinance #RetirementPlanning #InvestmentStrategy #EstatePlanning

Annuities can be a powerful tool for securing your investments—offering asset protection, tax deferral, guaranteed income, and peace of mind. Read this article to learn more.

Our exclusive virtual event will highlight: How election outcomes influence policy directions and investor sentiment. The budget debate and how it shapes legislative priorities and influences market trends. Expected changes from the expiration of the Tax Cuts and Jobs Act and implications for individuals and businesses, and a look at the U.S.-China relationship and its impact on key industries and investment strategies.

Given the current market conditions and uncertainty, investors should focus on what they can control. Our team's holistic and comprehensive approach to financial planning provides clients with a strong foundation they need to reach their goals over time, even in the face of market volatility. If you'd like to hear more about our process and how we build those solid foundations for clients, let's connect. For useful strategies, you can read more here: https://www.janney.com/wealth-management/education/all-education/detail/education/2024/08/08/three-strategies-to-navigate-market-volatility

The middle of a period of market fluctuation is rarely the best time to adopt new investing strategies. But here are some actions you should consider.

If your compensation package includes employer stock or stock options, you face unique and sometimes confusing choices. Specifically with employer stock in 401(k) accounts you may have tax-saving opportunities through net unrealized appreciation (NUA). The article below provides insights into how it works. The additional question to ask yourself, is how does this fit into my broader financial picture today and my financial plan for the future? Our team is well versed in these types of compensation arrangements and can be a valuable resource to you or someone you care about. Let's connect!

Join us as Retired FBI Special Agent Jeff Lanza explores the critical topic of cybercrime and AI’s ever-evolving impact. Learn what steps you can take if cybercriminals target you and get essential tips for improving cybersecurity in your daily life. Don’t wait until it’s too late—register today for this important webinar!

Retirement planning isn’t one-size-fits-all, especially for women. Consider factors like longer life expectancy and career breaks to secure a future that matches your goals. Start planning now for the retirement you deserve. Read more: https://bit.ly/41onl34

Investors who remain committed to their financial goals in the face of short-term turbulence may experience advantages in the end.

Did you know an estimated 65 to 80% of a business owner’s net worth is tied to their business?* If you’re approaching retirement age, you need to protect the wealth you have built. Financial planning and business succession planning can help you understand the nexus of your personal net worth, the value of your business, and the exit strategies that will allow you to enjoy the benefits of years of hard work and sacrifice. Join us to hear Janney thought leaders highlight our collaborative approach in addressing the unique needs of business owners. Register here: https://advisor.janney.com/janneyevents/events/financial-strategies-for-business-owners/ *According to estimates from the Exit Planning Institute

Is your income too high to contribute to a Roth IRA? A Backdoor Roth strategy could be a strategy to allow for tax-free growth and withdrawals in retirement. Learn how it works and whether it’s right for you.

Looking to make a charitable gift while maximizing tax benefits? A Qualified Charitable Distribution (QCD) could help you donate tax-free while satisfying your Required Minimum Distribution (RMD). Learn how this strategy can work for you in he article below.

Two weeks ago, our colleague, Devin Velnoskey, was honored to share our teams' experience coordinating the unique home office resources offered by Janney Montgomery Scott with elite advisors from around the country at our annual firm conference. We value the opportunity to share with our peers the great support and legacy we can provide to our clients' hand in hand with the best and brightest from our firm's headquarters. If your curious about the unique resources Janney provides to our team and how they might help your financial plans for the future, let's connect.

Be sure to check out our 2024 tax resources for updated mailing schedules, tax forms, and other helpful resources as you prepare for upcoming tax deadlines.

When you understand what’s expected for the economy and markets in the coming year, you can better develop a long-term investment strategy. Read our Outlook here.

The most wonderful time of the year gives way to a somewhat dreaded time of year: Tax Season. Our team's goal is to make things a little less challenging by helping clients stay prepared this tax season with Janney’s updated Tax Information & Forms. Explore key resources, schedules, and guides to simplify your tax planning in the link below. And as always, if there is something our integrated planning team can help coordinate between your trusted advisors please connect with us.