Brief Overview of Qualified Charitable Distributions (QCDs)

by Brooks Mosley, CPA  When planning your IRA withdrawal strategy, you may want to consider making charitable donations through a Qualified Charitable Distribution (QCD).  A QCD is a direct transfer of funds from your IRA custodian, payable to a qualified charity. QCDs can be counted toward satisfying your Required Minimum Distribution (RMD) for the year, if certain guidelines are met.  In addition to the benefits …

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SECURE Act Makes Changes for Retirees

by Brooks Mosley   As you probably remember, investors had a horrific month for US Stocks in December of 2018. However, a lot can change in just twelve months. So, what does 2020 hold? Unfortunately, I do not have an exact answer, but I do have some good news that is the result of a new Bi-Partisan Bill. (Yes, I did intend to write Bi-Partisan.)  On December 19, 2019, The SECURE Act was passed. This new legislation made some …

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A Quick Guide to Mississippi’s College Savings Plan

By Alan McCormick  With the month of August well underway, many of us are enjoying watching our children and grandchildren begin another school year, and if you are like me, you are probably also thinking about the big dreams that you have for them. We would all like to give the children in our lives the opportunity to attend college, but the rising cost …

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A Case of Whiplash

By Scott Rives, CRPS®  If you’re like most investors, your neck might be a little sore after the whiplash your head took from watching equity volatility over the past two quarters.  The market was cruising down the road at a steady pace leading into the fourth quarter of 2018.  Then, in October, the S&P 500 suddenly started to pump it’s brakes due to uncertainty, before slamming on the brakes in …

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Social Security, Your Hidden Asset: Common Mistakes

A few weeks ago, we discussed the fundamental characteristics of Social Security, and we learned that it is a crucial retirement asset for most people. Despite its importance, Social Security candidates tend to make the same filing mistakes time and again. Today we will talk about a few common errors that individuals make during the filing process and how to make sure you get the most out of this retirement …

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Social Security, Your Hidden Asset: The Basics

According to the Urban Institute, the average couple receives $556,000 in lifetime Social Security benefits. This makes Social Security a huge hidden part of the retirement nest egg for most people. Social Security is both a great benefit and a one-time decision that many people get wrong. Today and in a follow-up article, we are going to talk about some of the best approaches to …

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6 Estate Planning Myths

By Alan McCormick, CFP™   Having a will is one of the most important things you can do for your family. However, according to recent studies, 65% of adult Americans do not have a last will and testament. Of adults ages 30-49, 64% confess not having prepared a will and testament; 44% of adults ages 50-64 admit this same daunting fact. While these statistics seem surprising, I constantly …

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