One big issue for investors will be when we expect these tax changes to start.

The U.S. Senate and House of Representatives overwhelmingly passed a $900 billion COVID-19 relief bill Monday night.

Recently I was speaking with a journalist writing an article for TD Ameritrade on the topic of value. Specifically, the question posed was “How can financial advisors demonstrate added value to their clients?” This is a question I felt quite qualified to answer as it is a continual focus at our firm.

When you think about your legacy, what comes to mind? How much money your kids will be left with? The property in the mountains you have so many great memories in? Does your impact on the community surface?

When a child is born, you’ve got 18 years to make sure you have the eighty thousand plus dollars ready to go to cover those costs, otherwise you’ll be using your family cashflow and/or student loans.

For those who are lucky enough to have one, a pension plan can be a wonderful piece of the retirement income pie. For most there is not much thought involved with the pension plan decision; turn it on when you retire and select the option that continues 100% of the income for your spouse if you pass away. While that works just fine, you’re most likely leaving money on the table and you lack control of the asset. Let me explain why…