As the famous adage goes, “Nothing is certain except death and taxes.”However, while death may be a certainty, not all taxes are. The tax implications of your charitable contributions and what you leave to your heirs might not be a concern that you think about often. However, it may be important. What are some important […]
A Tax-Smart Way to Leave Money to Charities and Your Family Read More »
President Biden has claimed that this recent bout of inflation is only transitory. However, many worry that inflation is here to stay. If this is the case, we’re going to have to learn to live with it. You’re probably wondering, though, how inflation works, how bad it’s been recently, and how you can not only
Benefit From Inflation Read More »
How’d you like to score your share of $1.35 trillion? That’s how much money was in the combined 24 million 401(k) accounts left behind at previous employers, as of May of 2021. You see, data from the U.S. Bureau of Labor Statistics shows that individuals who were born during the later years of the Boom
How to Find Lost Money in 401(k) Accounts Read More »
You may be wondering: “How does the stock market work?” Additionally, “What are the potential dangers of investing in stocks?” If you are worried about these things, you aren’t alone. Some people with limited financial experience are terrified by the possibility of losing their money in the stock market. That, or they’re unaware of the
How Does the Stock Market Work Read More »
Back in March, A hearing was held by the Senate Health, Education, Labor, and Pensions Committee. Retirement professionals urged lawmakers to take action and increase the availability of workplace savings plans, and level some of the barriers that have kept workers from saving away more money for retirement. “It is painfully clear we need to
The Secure Act 2.0 Read More »
When it feels like the world is spinning, it’s very important that you stay skeptical of promises of sure things. Is a simple and reliable investment really simple and reliable, or does it just appear that way in complicated times? “As Russia launches its blitzkrieg against Ukraine, my inbox brimmed with reports from investment firms
Don’t Make Hasty Financial Decisions When Tensions are High Read More »
Recent changes within the stock market have been acting as a warning to certain Americans. Specifically, people who are too old to be investing the amount that they are in the stock market. Many of these people are, unfortunately, likely to dismiss that warning. See, surprisingly, the market actually rose during most of the pandemic.
Do You Have Too Much Money in Stocks? Read More »
The third tax-filing season to occur during the coronavirus pandemic is set to begin relatively soon. This will likely come with yet more frustration and uncertainty for taxpayers, as well as tax preparers. Some things will return to normal. For example: For the first time since 2019, the individual tax deadline will return to its
Tax Season Is Fast Approaching Read More »
This is a question that sometimes comes up. Do annuities have fees? Some do have fees associated with them, no matter what. Others only come with fees when you select certain additional benefits, or if you take out money too soon. Importantly, whether you pay fees or not, and how much you pay, depends on
Do Annuities Have Fees? Read More »
Fixed Index Annuities Provide An Interest Rate – How Is That Calculated? Fixed indexed annuities (or FIAs) provide an interest rate to their annuitants. In a similar vein, fixed annuities also pay interest. The interest, in that case, is a set rate for the term of the contract. FIAs, however, have a much more complicated
Fixed Index Annuities Provide An Interest Rate – How Is That Calculated? Read More »
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Douglas A. Clancy, Jr., an Investment Advisory Representative (IAR), offers advisory services through Gibbs Wealth Management, an SEC-registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. CSWTA Insurance Solutions and Gibbs Wealth Management are independent of each other. Insurance products and services are not offered through GWM but are offered and sold independently by CSWTA Insurance Solutions, CA ins. License #0G20617, and Douglas A. Clancy. Jr., CA Ins. License #0G20617, IN Ins. License #3784426, NV Ins. License #3746478, AZ Ins. License #6378315, MT Ins. License #3002998216, OR Ins. License #6378315, GA Ins. License #670358, FL Ins. License #W217283, and IL Ins. License #6378315. By using this website, you accept our Terms of Use and Privacy Policy. CSWTA’s investment advisory services are available only to residents of the United States in jurisdictions where CSWTA is registered. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website does not constitute a complete description of CSWTA’s investment advisory services. Before investing, consider your investment objectives and CSWTA’s fees. CSWTA is not a bank or depository institution licensed in any jurisdiction. Products offered by CSWTA are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
