Financial Planning in a Post-Pandemic World

As we near the end of 2021, we reflect on the enormously challenging past two years. In addition to the loss of human life and livelihoods, the global pandemic ignited a period of extraordinary volatility in the markets. It has also disrupted the way we work and live, and pushed us to reflect on the…

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Portability of a Spouse’s Unused Exemption

$11.58 million is the amount each US citizen or resident can transfer free of estate or gift tax. This amount is set to remain at this high level until December 31, 2025, unless Congress changes the law before then.  The possibility exists that the exemption amount will be rolled back to the pre-2018 level of…

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Q/A: Update on RMD Rules and IRA Planning in 2020

On March 26, 2020, in the wake of the COVID-19 pandemic, Congress overwhelmingly passed the CARES Act that included several favorable rules affecting IRAs in 2020.  These rules were passed to grant relief to taxpayers struggling with sudden unemployment and economic upheaval. On June 23, 2020, the IRS issued guidance (Notice 2020-51) clarifying that all…

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Financial Planning during Volatile Markets

The first quarter of 2020 has presented investors with significant market volatility and temporarily diminished portfolio values from a combination of efforts to contain COVID-19, a shock to oil prices, and unprecedented rate cuts by the US Federal Reserve. While this is a time of much uncertainty for all of us, we also know that…

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Q&A on Goals-Based Planning

The Foundation of Wealth Management Goals-Based Planning is the foundation of successful wealth management at 1919 Investment Counsel. Goals-Based Planning integrates two critical activities, Financial Planning and Investment Management, so you can better align your financial and life goals, increase the probability of meeting these goals and achieve greater peace of mind. Following is a…

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Planning in a Low Interest Rate Environment

 Low interest rates have been with us for the last 10 years. Interest rates not only impact investors, lenders and borrowers, but they also affect a number of planning strategies that are dependent on the time value of money. Whether it is intra-family loans, Grantor Retained Annuity Trusts, Charitable Lead and Remainder Trusts, or Qualified…

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