--- title: 4Thought Financial Group Resources | Financial News (3) description: Financial News | 4Thought Financial Group Resources (3) --- [![4thought\_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://custodysolutions.gs.com/client-app) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://custodysolutions.gs.com/client-app) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources ## 4Thought Investing Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) # **Financial News (3)** SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [Managing Expectations: Income Investors Often Take Investment Results Out of Context](https://www.4tfg.com/resources/income-investors-investment-portfolio-review) Comparing the S&P 500 to a diversified investment portfolio designed to generate monthly income is an apples-to-oranges analogy. Here's why. \[fa icon="calendar'\] Jun 4, 2019, 1:02:30 PM / by [Martin E. Levine, CPA, ChFC, CAP](https://www.4tfg.com/resources/author/martin-e-levine-cpa-chfc-cap) When a client and I first meet, we [prepare a financial plan](https://www.4tfg.com/resources/do-you-have-a-personal-financial-plan). Within the plan, we assess cash flow needs and determine how much the portfolio must generate in order to make up any monthly income shortfall, and thereby [provide for the client’s lifestyle](https://www.4tfg.com/resources/investing-for-retirement-should-not-cost-your-retirement). By figuring out what the shortfall is, we can determine how to [position the investments](https://www.4tfg.com/resources/bear-bull-wolf-eagle-markets-reimagined-redefined) and other income sources. [Read More](https://www.4tfg.com/resources/income-investors-investment-portfolio-review) [Financial News](https://www.4tfg.com/resources) ,[CPA Continuing Education](https://www.4tfg.com/resources/topic/cpa-continuing-education) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [CPA Continuing Education Course: Estate Planning: Wills, Living Trusts & Testamentary Trusts](https://www.4tfg.com/resources/cpa-cpe-continuing-education-course-estate-planning-wills-living-trusts-testamentary-trusts) Learn diverse estate planning techniques within the context of comprehensive financial planning, including the usage of wills, trust types and other tools. \[fa icon="calendar'\] May 30, 2019, 10:28:50 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) [Read More](https://www.4tfg.com/resources/cpa-cpe-continuing-education-course-estate-planning-wills-living-trusts-testamentary-trusts) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [The Importance of an Investment Portfolio Second Opinion/Review](https://www.4tfg.com/resources/importance-of-investment-portfolio-second-opinion-review) A second opinion on you or your clients’ investment portfolio by an independent fiduciary can help ensure the most effective strategies are being employed toward achieving financial goals. \[fa icon="calendar'\] May 20, 2019, 11:53:18 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) When you’re sick, you visit a doctor. If your ailment persists or you’re told you need a more serious remedy, such as surgery, you get a second opinion from another. Even when you’re feeling well, you still schedule a routine checkup. *Why?* Because when it comes to your health, you don’t mess around. You want to ensure you’ve been diagnosed properly and are receiving the most effective treatment possible to achieve optimal health. Your financial health and well-being may also benefit from a periodic wellness check, or [second opinion](https://www.nerdwallet.com/blog/finance/opinion-portfolio/), every so often. [Read More](https://www.4tfg.com/resources/importance-of-investment-portfolio-second-opinion-review) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [How Can I Reduce Estate Taxes? The Irrevocable Living Trust](https://www.4tfg.com/resources/how-can-i-reduce-estate-taxes-irrevocable-living-trust) An Irrevocable Living Trust can be created while the grantor is alive, and transfers asset ownership to a legal entity with its own rules of operation. \[fa icon="calendar'\] Apr 25, 2019, 12:48:02 PM / by [Brian C. Mackey, CLU](https://www.4tfg.com/resources/author/brian-c-mackey-clu) *(Co-authored by 4Thought Financial Group CIO Jesse Mackey)* Most individuals that either now have or expect to have substantial wealth in the future prefer to plan in advance of their own death to minimize estate taxes to the extent possible. While the federal estate tax exclusion in 2019 is relatively high compared to history ($11.4 million for an individual), the amount above that left to beneficiaries on death may be taxed at a maximum rate of 40%. This could be a huge tax bill in some cases if the proper planning is not done beforehand. In addition, some states have their own lower estate tax exclusion (in New York for example, it’s $5.74 million), so more people need to consider doing such planning than one might think. *So how exactly can one reduce estate taxes?* While there are several potential answers to this question (and the appropriate ones depend on the specifics of the situation), one possible solution is the Irrevocable Living Trust. [Read More](https://www.4tfg.com/resources/how-can-i-reduce-estate-taxes-irrevocable-living-trust) [Financial News](https://www.4tfg.com/resources) ,[CPA Continuing Education](https://www.4tfg.com/resources/topic/cpa-continuing-education) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [CPA Continuing Education Course: Retainer Fee Wealth Management](https://www.4tfg.com/resources/cpa-cpe-continuing-education-course-retainer-fee-wealth-management) Retainer fee-based financial planning and wealth management is a new service being offered to your clients. Learn about it here. \[fa icon="calendar'\] Apr 19, 2019, 10:41:53 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) [Read More](https://www.4tfg.com/resources/cpa-cpe-continuing-education-course-retainer-fee-wealth-management) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [Long-Term Care Insurance vs. Hybrid Life/LTC Insurance Policies](https://www.4tfg.com/resources/long-term-care-insurance-vs-hybrid-life-ltc-insurance-policies) Should long-term care insurance be purchased as a stand-alone policy or as a feature of a “hybrid” life insurance policy? \[fa icon="calendar'\] Mar 28, 2019, 11:03:21 AM / by [Martin E. Levine, CPA, ChFC, CAP](https://www.4tfg.com/resources/author/martin-e-levine-cpa-chfc-cap) Having been in the [life and health insurance](https://www.4tfg.com/resources/cpa-continuing-education-course-life-insurance-as-a-tool-of-financial-planning) industry since 1984, I have become skeptical when insurance companies include language in the fine print such as: “may be,” “ordinarily excluded,” “check with your [tax advisor](https://www.4tfg.com/resources/different-types-of-financial-planning-services),” or “the rider is not long-term care insurance and is not intended to replace long-term care insurance.” Why are those disclosures included within hybrid life insurance and long-term care policy contracts? Do we have to find out at claim time exactly how they apply? The purpose of this article is to address some of these issues. [Read More](https://www.4tfg.com/resources/long-term-care-insurance-vs-hybrid-life-ltc-insurance-policies) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [Can Retainer Fee-Based Financial Planning & Wealth Management Help Couples Address Money-Related Relationship Problems?](https://www.4tfg.com/resources/financial-planning-wealth-management-help-married-couples-money) Yes, retainer fee-based financial planning and wealth management can help set couples—or anyone for that matter—on a clearer path toward achieving their lifelong goals. \[fa icon="calendar'\] Mar 21, 2019, 10:25:13 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) It’s well established that finances and money-related matters can be a prime source of [disharmony within a marriage](https://institutedfa.com/Leading-Causes-Divorce/) or [relationship](https://www.today.com/money/5-smart-tips-manage-money-your-honey-wbna20108870). Understandably so. Between rent or mortgage payments, property taxes, car and health insurance, utilities and entertainment costs, retirement and/or college savings, and the daily necessary living expenses associated with home ownership, transportation, and/or children, *it can add up*. *And these are just a brief rundown of some of the known expenses; unaccounted for are those unexpected costs that inevitably arise throughout the course of life.* [Read More](https://www.4tfg.com/resources/financial-planning-wealth-management-help-married-couples-money) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [April 1 IRA Required Minimum Distribution (RMD) Start Date: What You Need to Know](https://www.4tfg.com/resources/april-1-ira-required-minimum-distribution-rmd-start-date) April 1 marks the starting date of Required Minimum Distribution (RMD) withdrawals for IRA owners who've turned 70 ½, with significant tax ramifications, as well as a costly penalty for those who don't comply. \[fa icon="calendar'\] Feb 8, 2019, 2:58:21 PM / by [Martin E. Levine, CPA, ChFC, CAP](https://www.4tfg.com/resources/author/martin-e-levine-cpa-chfc-cap) Besides the infamous April 15th tax return deadline looming this year, there is also the infamous April 1st date. Why is this date also infamous? It is the “Required Beginning Date” (RBD) for Required Minimum Distribution (RMD) withdrawals from traditional IRAs following the year the IRA owner turns 70 ½. This is only the beginning. Every year thereafter, withdrawals must be taken. The result is more [taxable income and income taxes](https://www.4tfg.com/resources/how-can-high-earner-reduce-current-income-taxes-non-qualified-deferred-compensation). *Ouch!* With more and more boomers turning 70, this date will live on in infamy until the IRS changes the rules. [Read More](https://www.4tfg.com/resources/april-1-ira-required-minimum-distribution-rmd-start-date) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [What Accountants Should Know About Their Clients' Financial Advisors](https://www.4tfg.com/resources/what-accountants-should-know-about-clients-financial-advisor) Important information for CPAs to know about their clients' financial advisors include: how they're compensated, who they represent, what strategies they utilize, and whether or not they are true fiduciaries. \[fa icon="calendar'\] Jan 16, 2019, 10:08:43 AM / by [Martin E. Levine, CPA, ChFC, CAP](https://www.4tfg.com/resources/author/martin-e-levine-cpa-chfc-cap) *(Co-authored by 4Thought Financial Group Operations Associate Michael C. Duvally)* The time is now for [CPAs](https://www.4tfg.com/cpa-investing-services) to step up to the plate and learn how their clients’ [financial advisors](https://www.4tfg.com/resources/finding-your-financial-advisor) are being compensated.   The financial services industry has not been up front or transparent about this historically. Now that the [Fiduciary Rule](https://www.dolfiduciaryrule.com/) by the U.S. Department of Labor (DOL) [is in tatters](https://www.forbes.com/sites/brianmenickella/2018/07/20/the-dols-fiduciary-rule-funeral-means-trust-is-dead/#44faee463230), all compensation options are once again on the table. A recent client meeting proved onerous fees are still being charged and incentives are still misaligned in many cases.  [Read More](https://www.4tfg.com/resources/what-accountants-should-know-about-clients-financial-advisor) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [How Can I Avoid the Probate Process? The Revocable Living Trust.](https://www.4tfg.com/resources/how-can-i-avoid-probate-process-revocable-living-trust) A Revocable Living Trust holds several significant benefits for the grantor, chief among these, avoiding the probate process while still retaining control of the assets during his/her lifetime. \[fa icon="calendar'\] Dec 20, 2018, 11:06:00 AM / by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey) *(Co-authored by 4Thought Financial Group CEO Brian Mackey)* The [estate probate process](https://www.americanbar.org/groups/real_property_trust_estate/resources/estate_planning/the_probate_process/) can be a long, expensive, frustrating process, often lasting nine months to two years while moving through the courts system, potentially costing thousands of dollars in fees, and leaving beneficiaries in a state of confusion without access to assets during a time in which they are grieving over a family loss. For these reasons, most individuals with substantial wealth prefer to plan in advance of their own death to avoid and minimize the probate process to the extent possible. How can one avoid the probate process? While there are several potential answers to this question (and the appropriate ones depend on the specifics of the situation), one possible solution is the Revocable Living Trust (RLT). [Read More](https://www.4tfg.com/resources/how-can-i-avoid-probate-process-revocable-living-trust) [\[fa icon="angle-double-left"\] Prev](https://www.4tfg.com/resources/topic/financial-news/page/2) [All posts](https://www.4tfg.com/resources/all) [Next \[fa icon="angle-double-right"\]](https://www.4tfg.com/resources/topic/financial-news/page/4) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. 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Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "Financial News | 4Thought Financial Group Resources (3)", "email" : "[GDelorenzo@ClearHorizonGroup.Com, info@4tfg.com, no-reply@4tfg.com]", "image" : "https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg", "logo" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png", "naics" : "523920", "name" : "4Thought Financial Group", "sameAs" : [ "https://www.facebook.com/4ThoughtFinancialGroup", "https://www.linkedin.com/company/3043702", "https://www.youtube.com/channel/UCEHRK-25mAwfTlNzdvFSN3g", "http://investment-advisors.credio.com/l/39493/4thought-Financial-Group-Inc" ], "telephone" : "516-300-1617", "url" : "http://www.4tfg.com" } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "4Thought Financial Group" }, "dateModified" : "October 1, 2024, 12:00:00 PM", "datePublished" : "1970-01-01 00:00:00", "description" : "Financial News | 4Thought Financial Group Resources (3)", "headline" : "Resources", "image" : { "@type" : "ImageObject", "url" : "" }, "mainEntityOfPage" : { "@id" : "https://www.4tfg.com/resources/topic/financial-news", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png" }, "name" : "4Thought Financial Group" } } ```