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Coronavirus and the Markets Q&A: 5 Industry-Leading Voices on the Magnitude of the Downturn, What Investors Can Do and More

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Coronavirus and the Markets Q&A: 5 Industry-Leading Voices on the Magnitude of the Downturn, What Investors Can Do and More

We put together a roundtable discussion of investment experts across financial disciplines to give us some insight on the current markets. This group represents decades of experience in the fields of investment management and financial research and strategy.

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What Do Current Income Tax Changes Mean for Me?

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What Do Current Income Tax Changes Mean for Me?

By: Mike Gertsema CEO and Wealth Advisor Most people are filing their 2019 income taxes and are hoping to get a refund and not have to pay additional taxes. In 2018 the income tax code was changed, and most people know about it, but wonder if it benefited them. Nick Gertsema, AIF®, Vice President and Wealth Advisor here at GWA did a video about the income tax bracket changes that has received a lot of attention. Bottom line: what does it all mean? From my perspective, I think current income tax changes are a game-changer in many ways. From the...read the full article

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Coronavirus and the Market: Don’t Make Short-Term Panic Part of Your Long-Term Investments

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Coronavirus and the Market: Don’t Make Short-Term Panic Part of Your Long-Term Investments

While there is no way to fully predict what will happen next, it’s important to remember the goals of your investment portfolios. Long-term investments face volatility, and to pursue your long-term goals, it’s vital to not overreact to one day, one week or even one month of market movement.

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Answers to 3 Big Questions on Clients’ Minds

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Answers to 3 Big Questions on Clients’ Minds

I like every part of the presentation experience. Meeting the clients is motivating. I enjoy sharing what recently happened in markets, speaking to the current situation, and educating clients about future opportunities and risks. What I enjoy most is answering clients’ questions.

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How a Donor-Advised Fund Can Help Your Charitable Giving

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How a Donor-Advised Fund Can Help Your Charitable Giving

Giving is an important part of our society. It provides us the opportunity to support causes we believe in and make a positive impact. Giving isn’t always about donating money. It can also include volunteering time or donating goods and resources. Here are some examples of the impact:

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How to Use a Trust as a Financial Planning Tool

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How to Use a Trust as a Financial Planning Tool

Clients frequently ask whether they should leave their assets in a trust. It depends. Of course, if your net worth exceeds $11 million, putting your assets in specific types of trusts can be helpful for federal estate tax issues. However, for most Americans, federal estate taxes will not be a major concern.

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Working in Your Practice and On Your Practice (and Your Financial Life)

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Working in Your Practice and On Your Practice (and Your Financial Life)

By: Mike Gertsema Over the four decades plus of my business career, I’ve been very fortunate to have great business coaches and mentors guide me. A consistent message from my mentors and coaches was “Mike, instead of working in your practice, block out time to work on your practice.” I naturally love working in the practice and working on the practice at first felt awkward. As I worked on my practice, I found – with the help of professionals – I was able to make better decisions in business. How to expand, the wisest way to move forward, how to...read the full article

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Technology can be Scary, but We Need to Embrace It

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Technology can be Scary, but We Need to Embrace It

By: Jackie Heater Some of you reading this may not know what I’m talking about but in the 60’s there was a television show called the Beverly Hillbillies.  The character Jethro, who wasn’t always the sharpest tool in the shed, always referred to his cousin Elly as a “dumb ole girl”, but in reality, she was much smarter than Jethro.  My husband and I had a running joke that when I had an opinion or an idea about something, I would usually precede it with, “I’m just a dumb ole girl, but I think….”. So, I’m just a dumb ole...read the full article

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How Your Employee Benefits Fit into Your Financial Plan

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How Your Employee Benefits Fit into Your Financial Plan

Your Health Savings Account (HSA) is a cornerstone of your benefits planning. The money is triple tax-advantaged – contributions, growth and withdrawals for qualified expenses are not taxed. This account is like nothing else, and you need to take full advantage of it. 

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In the SECURE Act Era, You’ll Need a New Retirement Strategy. Roth Conversions Could Be It.

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In the SECURE Act Era, You’ll Need a New Retirement Strategy. Roth Conversions Could Be It.

But when the SECURE Act goes into effect – expected on Jan. 1, 2020 – beneficiaries will have to fully distribute taxable accounts within 10 years of the account holder’s death. That could push your loved ones into a higher tax bracket.

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