Archives

• Seven Tax Moves to Make Before 2025 Ends – Year-End Tax Planning

  Posted Date December 1, 2025 Posted Time 12:00 am Published in Service2Client

  Tax planning feels like homework nobody wants to do, but here’s the reality: real money is sitting on the table. The One Big Beautiful Bill Act changed the rules this year, and most people are still figuring out what matters for their wallets. Max Out Everything While You Can Here’s something many people miss. Every Dec. 31, workplace retirement accounts basically close their books for the year. That’s it, opportunity gone. The limit is $23,500 this year, or $31,000 for those over 50. Also, anyone between 60 and 63 can throw in an extra $11,250 with the new super catch-up... View Article

• Long Term Care Insurance Options

  Posted Date December 1, 2025 Posted Time 12:00 am Published in Service2Client

  In 2024, the median household income in the United States was $83,730. However, the national average annual cost of 24-hour paid long-term care (LTC) for a retiree age 65 and older was more than $125,000, according to the Department of Health and Human Services. Moreover, one in five seniors will require care for more than five years. Obviously, the math varies by household, but the reality is that the majority of older Americans who rely on paid caregiving will use much of their retirement savings and investments to pay for it. When considering insurance, there are presently two options: Long... View Article

• The New Face of Phishing: Techniques, Targets and Prevention

  Posted Date December 1, 2025 Posted Time 12:00 am Published in Service2Client

  Phishing is a major threat that keeps evolving and has now become a sophisticated and costly cyber risk facing businesses of all sizes. Previously linked to malicious links in an email, phishing is now powered by AI, automation, and social engineering. The attacks have become harder to detect; they are faster to execute; and they can be very damaging if successful. With many business processes happening online – such as payments, approvals, and customer engagement – the attack surface has expanded, and so has the creativity of cybercriminals. The Changing Landscape of Phishing Modern phishing is unlike the previous suspicious... View Article

• How to Account for Accretion

  Posted Date December 1, 2025 Posted Time 12:00 am Published in Service2Client

  Whether it’s an individual investor or a business owner looking to increase their earning power, understanding how accretion works is essential for individual and business investors to make the correct decisions going forward. How Accretion Works for Bonds Accretion is the gradual increase of a bond’s value over time. As a bond moves toward its maturity date, it increases in value until it reaches its face or par value – or what’s paid to the bondholder upon maturity. If a bond has a face value of $2,000, yet it’s discounted at $1,900 when it’s offered for sale, the present value... View Article