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Donor-Advised Funds

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Donor-Advised Funds
In conjunction with our tax advisors at DHG, we have helped many clients over the years fulfill their goals for charitable giving while enjoying a reduction in their tax obligation during the calendar year of the donation.  A Donor-Advised Fund is one way to accomplish that goal.  It works particularly well during a year of a significant positive change in circumstances; such as an unexpected bonus or a large deferred compensation payment.  For example, an individual may make a regular donation to a specific charity each year.  In the year of a significant bonus, they may choose to fund 5-10 years of charitable intent at once, by making a deposit to a Donor-Advised Fund.  It allows an individual to take a deduction for the whole amount contributed; but doesn’t require the donor to distribute the funds to charity right away.  Instead, they’ve created a “charitable checkbook” allowing for the funds to be paid out to qualifie...
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10 key principles to improve your odds of investing success.
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Days of Wine and Roses 2017 was a beautifully sweet, heady year for global stock markets.  Proof of this can be seen in the consistency of the performance of returns.  For the first time in the history of the world (literally), global stocks had 12 straight months of gains (as measured by the MSCI All Country Equity Index).  That means the last day of each month was higher than the first day of that month, for all 12 months -- the first time this has occurred since tracking began.* In addition, the S&P 500 set an all-time record for the number of days the index endured less than a 3% drawdown (over 300 days and counting).**  (*MarketWatch.com 12/27/2017 “Global stocks just made history by rising in every month of 2017”)  (**BusinessInsider.com 10/23/17 “The stock market just made history”)We will discuss the individual asset classes later in the report, but it suffices to say that things couldn’t get much better....
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Philip Moser | CFP®

Amy Manning | CFP®

Maria Tobin | CLU, ChFC, LUTCF with DHG Agency

Our team of specialists discuss some of the financial milestones you may encounter as you get established in life: buying a vehicle, buying a house, saving for college, buying insurance, and building net worth. You’ll hear how to plan for major purchases, prudently manage your debit, hear about the varied types of insurance and savings for kids’ college tuition. Initially created internally for DHG and now available publicly.
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Tax Reform

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Tax Reform
Congress recently passed the Tax Cuts and Jobs Acts in late December with most provisions being effective for tax year 2018. Our DHG Tax Advisory professionals have been following the legislative process and have recently outlined the most relevant provisions for individual taxpayers in the attached document below. In addition to these changes primarily affecting deductible items and tax rates, the estate tax threshold has almost doubled to $11.2 million for individuals and $22.3 million for married couples.Tax law remains a complex set of rules that affects all of us differently, thus requiring attention to your individual situation. As a firm focused on providing comprehensive financial planning advice, we are uniquely qualified to assist in this evaluation, alongside our DHG Tax Advisory professionals.We welcome a conversation in 2018 regarding these changes and how they may affect you.DHG Tax Advisory: How You Could Be Affected by Tax Reform DHG Tax Advisory Website (Save...
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Dave Koppenheffer / Associate Advisor
This session will discuss financial planning for individuals just starting their career or those starting to think about saving and investing for the first time. You’ll hear tips on how to create a budget, the importance of building an emergency fund, how to develop a plan to pay off student loans, investing for the first time and a summary on 401(k) plans and other savings vehicles. Initially created internally for DHG and now available publicly.
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We don’t always think about finances when we think about our overall wellness, but they’re a very important component. Will Sneed, President of DHG Wealth Advisors and 30-year veteran of the investment industry, shares tips on finding financial freedom. Initially created internally for DHG and now available publicly.
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Amy Manning of DHG Wealth Advisors joins us to share a few tips on financial well-being. Amy is a certified financial advisor and helps create financial security for her clients through a disciplined approach with financial planning. Be sure to have a pen and a piece of paper handy to jot down notes during this podcast! Initially created internally for DHG and now available publicly.
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Dollie Halford | CFP®, CDFA™

Maria Tobin | CLU, ChFC, LUTCF with DHG Agency

This first session will focus on financial fitness for women, where, at some point in their lives, 95% will become the sole financial decision maker for their family. Yet studies show that, on average, women feel they lack confidence and knowledge in making wise financial decisions. Join us for an insightful look at some of the financial issues unique to women, as well as an overview of investing and financial planning. Initially created internally for DHG and now available publicly.
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Stretch IRAs

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An IRA in and of itself provides for the significant benefit of tax-deferred growth during the owner's lifetime.  The funds in the IRA are only taxed when they are removed.   They can be removed and used without penalty beginning the year the owner turns 59½.  Later on, during the year that the owner turns 70½, the IRS requires withdrawal of a Required Minimum Distribution.  For most participants, this first distribution is equal to 3.65% of the IRA’s value, with the percentage distribution required to be distributed by the IRS rising as they age.What many individuals don’t realize is that the benefits of tax-deferred growth can extend to an individuals’ heirs through a Stretch IRA (more formally called an Inherited IRA).  The IRA can become a Stretch IRA without significant effort on your part; it’s part of the tax law.   Upon death, the  specifically named heirs will inherit the IRA as an Inhe...
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