Managing Those Physical Stocks in Your Safety Deposit Box

Taking steps now to transfer your physical stock to electronic will take a considerable burden off of your executor. Not only that, if you are able to transfer your physical stock while you are alive, you may also be able to retitle said stock so that it avoids probate.

2021-03-03T14:20:00-05:00March 3, 2021|Categories: Wealth Management|Tags: |

Navigating “Per Stirpes” Election for Beneficiary Designations

What happens if any of your primary or contingent beneficiaries pass away before you? If your intent is to leave behind a legacy for that particular beneficiary’s heirs, adding the Per Stirpes designation may be advantageous.

2021-01-29T14:44:48-05:00January 29, 2021|Categories: Estate and Trust, Wealth Management|Tags: |

SECURE Act: Potential Implications to Naming Your Trust as Retirement Beneficiary

Since the SECURE Act passed in December of 2019, several clients have reached out regarding the so-called “10 Year Rule” which stipulates all retirement assets must be distributed to certain beneficiaries within 10 years of the client’s passing.

2021-01-29T14:33:16-05:00October 22, 2020|Categories: Wealth Management|Tags: , |

Donor-Advised Funds: Giving with a Tax Advantage

If you donate to charitable organizations, you might want to consider establishing a donor-advised fund. A donor-advised fund is a charitable tax-saving tool that enables you to maintain a certain level of control over how funds are distributed while receiving immediate tax benefits.

2020-12-01T16:04:32-05:00September 9, 2020|Categories: Tax: Individual, Wealth Management|Tags: |

How Can Plan Sponsors Help Participants During the COVID-19 Crisis?

Unless you own or operate a financial services company, giving out financial advice is probably way outside the scope of your usual responsibilities. 

2020-06-03T15:34:11-04:00June 3, 2020|Categories: PBMares COVID-19 Insights, Retirement, Wealth Management|Tags: |

Wealth Transfers in a Low Interest Rate Environment

Throughout the past several months investors have seen turbulent markets affect not only their portfolios but their livelihood as well. As we continue to monitor this unsettling time we also see opportunity.

2020-05-20T14:20:10-04:00May 14, 2020|Categories: Wealth Management|Tags: , , |

Strategies for Managing Concentrated Stock

Managing a concentrated stock position involves more than just knowing a little about stocks and trying to predict the market. Concentrated stock can be accumulated in many ways and can bring with it risk hurtful to your portfolio, and to your pride. Having a plan in place customized to your unique stock concentration issues can help achieve your financial goals.

2019-09-10T16:16:27-04:00September 10, 2019|Categories: Wealth Management|Tags: , |

Capturing Market Returns in Actively Managed Investments

A growing number of investors are using passive funds in lieu of actively managed investments. The shift to passive is being influenced by an overwhelming amount of historical data that shows active managers are not beating their benchmarks. This recurring underperformance in actively managed funds is due in part to excessive fees and higher than necessary taxes incurred by trading within the funds.

2018-10-05T13:00:01-04:00October 4, 2018|Categories: Wealth Management|Tags: |
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