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Financial News ,Financial News ,Investment Strategy ,Financial Advisor

What Is the Best Way to Transfer Ownership of a Business?

Choosing the right business succession strategy is critical to facilitating a smooth transition and ensuring nothing falls through the cracks. Potential methods include leaving your ownership to your family via your will, gifting the business to family member employees, or selling ownership to a third party.

Business succession is one of the most complicated subjects that all privately held business owners are eventually faced with.

Business owners do not want to give up control. I recently heard a great comment from a former business owner, who finally at age 85 decided to sell to an unrelated third party: “I should have sold 15 years earlier!” In this business owner’s family, no one was interested in going into the business. But it is much more complicated when family is involved versus not. Either way, there are many reasons to wait. There are also many reasons to act expeditiously.

Below are some issues and approaches to consider when dealing with business succession. Your accountant or tax advisor and lawyer should be consulted before any strategies are implemented.

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Financial News ,Financial News ,Investment Strategy ,Financial Advisor

How Can a High Earner Reduce Current Income Taxes? Through a Non-Qualified Deferred Compensation Plan.

A Non-Qualified Deferred Compensation plan is not for every employer or employee, but can be a useful means of deferring a large portion of taxable income and reducing current income taxation, while also attracting and retaining highly skilled personnel.

There are a variety of ways for high earners to reduce their current income tax liabilities, but they’re not all as obvious as taking your available deductions and maxing out your 401k contributions. After your 401k contribution has been maxed out for the year, one possible solution to further reduce current taxation is the Non-Qualified Deferred Compensation plan (NQDC).

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Financial News ,Financial News ,Investment Strategy ,Financial Advisor

'How Can I Make Gifts Without Paying Taxes?' & Other Gift Tax-Related Questions Answered

Knowing the requirements, limitations and annual tax exclusions pertaining to gifting—such as cash gifts, educational and medical contributions, 529 plan funding, and more—is critical to minimizing personal liabilities while maximizing benefits to loved ones.

This is a common topic that never seems to go away. From parents to grandparents, each year the questions arise: "How much am I allowed to give to my kids and grandkids? Should I set up a 529 plan? What are the limits on how much to give?"

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Financial News ,CPA Continuing Education ,Financial News

CPA Continuing Education Course: Life Insurance as a Tool of Financial Planning

Learn about the multiple applications of life insurance for individuals and business owners.
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Financial News ,Financial Planning ,Wealth Management

The Importance of Retainer Fee-Based Financial Planning & Wealth Management

Retainer fee-based financial planning holds significantly more benefits for advisors and investors concerned about navigating recent industry changes than the traditional commission-based model. Here are several reasons why you should consider making the switch today.

Recent, sweeping tax reform. Uncertainty about the U.S. Department of Labor’s recently enacted—(Or was it?)—Fiduciary Rule. The current turbulence defining the stock market, and ever-evolving capabilities of automation.

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Financial News ,Financial News ,Pro Tips ,Wealth Management

Charitable Giving Ideas to Benefit Those in Need & Your Family

Listed here are some ideas to ponder for 2018 and beyond that would benefit the charity of your choice, and your family. Anything you read below should be discussed first with your accountant or tax advisor before you take action.

Charitable giving has certainly changed in 2018. A new tax regime has been passed into law, called the “Tax Cuts and Jobs Act.” The main change that is relevant for charitable giving is whether (or not) you can still itemize your deductions on your income tax return. Why is that relevant? Charitable giving is part of your itemized deductions.

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Financial News ,CPA Continuing Education ,Financial News

CPA Continuing Education Course: Helping Clients With Elderly Parents

Learn how to help your accounting clients with the tax, financial planning, and family issues associated with their aging parents.
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Financial News ,Financial Planning ,Wealth Management ,Financial News

4Thought Financial Group Wealth Management & Investment Methodology Overview

In this educational introductory video, 4Thought Financial Group's executive team, Jesse Mackey, Brian Mackey, and Martin Levine, provide an overview of the firm's unique wealth management and investment methodology, and other characteristics that set it apart from the rest of the pack.

 

4Thought Financial Group is a level-fee fiduciary Registered Investment Advisor providing coordinated wealth management and financial planning services, involving four different areas: Investment Planning, Estate Planning, Fringe Benefits Planning, and Business Succession Planning. 4Thought Financial Group specializes in utilizing a unique strategic approach to achieve clients' financial goals, leveraging multi-method investing, technology-driven quantitative analysis, and traditional financial planning services to redefine the traditional investing model.

4Thought Financial Group's executive team, Chief Investment Officer Jesse Mackey, Chief Executive Officer Brian Mackey, and Chief Financial Officer Martin Levine, outline the firm's unique wealth management and investment methodology, and other characteristics that set it apart from the rest of the pack, in this introductory video, with a transcription provided below.

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Financial News ,Financial News ,Investment Strategy ,Financial Advisor

What Is the Best Way to Buy Bonds?

For both retail investors and the advisors who serve them, a perennial question always arises when market expectations for interest rates change: What is the best way to buy bonds?

An appropriate answer to this question may depend on several factors, including the specific objectives of the investor, the amount of investable assets, the expected direction of interest rate changes, and many others. But in the absence of such specifics, there are traits of different available bond investment vehicles with which all bond investors should be familiar, regardless of what market environment may be forthcoming.

While this list is not exhaustive, the following three potential investment vehicles may be used as the basic building blocks of the bond portfolio:

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Financial News ,CPA Continuing Education ,Financial News

CPA Continuing Education Course: Pension Planning for 2018

Learn about optimizing retirement benefits and the ins and outs of qualified retirement plans, including optimal design, best practices, and compliance.
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