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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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3 Tips for Tax Issues in Estate Planning

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3 Tips for Tax Issues in Estate Planning

We’ve all heard the old adage about death and taxes and how they are unavoidable. We are aware our time on earth is limited and that, pending some miraculous medical breakthrough, we will all die.

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One Year Later – Looking Back on Our Shift to an Independent Firm

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One Year Later – Looking Back on Our Shift to an Independent Firm

Well it’s a year ago that we made the move to an Independent Firm and I am grateful for those that have stayed with Gertsema Wealth Advisors.  It’s been a rough ride, but things have really smoothed out well. 

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Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

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Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

As you move toward retirement, you can’t be content just to accumulate assets. You need to develop a retirement income plan that can help guide you when it comes time to turn savings into sustainable retirement income.

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Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

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Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

As you move toward retirement, you can’t be content just to accumulate assets. You need to develop a retirement income plan that can help guide you when it comes time to turn savings into sustainable retirement income.

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Compounding Wealth (and Wisdom)

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Compounding Wealth (and Wisdom)

No single strategy works forever, but you also don’t want to change your approach every time the markets shift slightly. How does investing work – not just for a season or a year or two, but for a lifetime? Time is a major factor when it comes to successful investing.

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4 Tips to Take Your 401(k) to the Next Level

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4 Tips to Take Your 401(k) to the Next Level

The best kind of money isn’t old, new or even tax-advantaged – it’s free money! If your employer has a 401(k) program, they probably have a matching plan. Know what that is and make sure you max it out. They’re essentially giving you money, which you never want to turn down.

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5 Tips I Wish I’d Known When the Unthinkable Happened

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5 Tips I Wish I’d Known When the Unthinkable Happened

By Jackie Heater At Gertsema Wealth Advisors, we often talk about retirement planning “what-ifs.” The death of a spouse is an especially difficult “what-if” scenario to discuss. Many people never plan for this, and while you’re never ready for it, there are a few preparations that can help smooth this difficult path.

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