SPOTLIGHT: TAXES AND YOUR PORTFOLIO

SPOTLIGHT: TAXES AND YOURPORTFOLIO Tax-minimizing strategies are available to everyone, not just billionaires. There are many ways to help reduce your tax bill on investment gains and income — all perfectly legal. It’s a matter of investing in specific types of holdings in specific types of accounts for specific types of goals.

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WOMEN AND WORK: THE PATH FORWARD

WOMEN AND WORK: THE PATH FORWARD As U.S. employers desperately seek workers, millions of mothersremain on the sidelines due to health safety concerns, schoolquarantines and the fact that child care costs more than many ofthem earn. And while parents pay more than they can afford, childcare workers can’t live on what they’re paid.

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AGE-INDUCED DISABILITY: FINANCIAL, RETIREMENT ESTATE PLANNING

AGE-INDUCED DISABILITY:FINANCIAL, RETIREMENT &ESTATE PLANNING The odds are strong that you’ll live long enough to need caregivingassistance. The U.S. Administration on Aging reports the followingstatistics for a 65-year-old couple:• 72% chance that one spouse will live to age 85• 45% chance that one spouse will live to age 90• 18% chance that one spouse will…

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WORKING TOWARD THE NET-ZERO ECONOMY

WORKING TOWARD THENET-ZERO ECONOMY Scientists attribute extreme weather events all over the world to aglobal warming trend. Since the late 19th century, the average globaltemperature has increased by 2 degrees Fahrenheit (1.1 degrees Celsius).1To reverse this phenomenon, scientists say we must reduceand maintain the average global temperature increase to 2.7 degreesFahrenheit (1.5 degrees Celsius) above…

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CRYPTOCURRENCIES: A PRIMER

CRYPTOCURRENCIES: A PRIMER On March 12, the price of Bitcoin cryptocurrency reached over$61,000, posting what amounts to a 300% annualized returnover the past 10 years.1The reality of this complex and largelymisunderstood asset is that its value is consistently growing overtime. In fact, by mid-August 2021, the combined market value ofBitcoin and other cryptocurrencies totaled more…

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ARE YOU SURE YOUR ASSETS ARE DIVERSIFIED?

ARE YOU SURE YOUR ASSETSARE DIVERSIFIED? The theory of diversification is that by spreading out investedassets among a wide variety of holdings, an investor can helpreduce the chances of losing money when some of thoseinvestments drop in value. Not only can diversifying help managerisk, but it offers the opportunity for growth even when otherportions of…

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USING THE HSA FOR RETIREMENT, NOT JUST HEALTH CARE

USING THE HSA FOR RETIREMENT,NOT JUST HEALTH CARE Whether your health insurance is purchased from the individual market, including government exchanges, or sponsored by your employer, chances are good that one of your options is an HSA eligible plan. A health savings account, often referred to as an HSA, is a savings vehicle that can…

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WHEN SHOULD YOU RETIRE?

WHEN SHOULD YOU RETIRE? The three record-setting market drops in March 2020 illustrated just how dangerous the notion of “sequence of returns risk” is for a retirement portfolio. This risk has to do with when you retire as it relates to recent stock market performance.The three record-setting market drops in March 2020 illustrated just how…

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INSIGHTS INTO THE FOURTH INDUSTRIAL REVOLUTION

INSIGHTS INTO THE FOURTH INDUSTRIAL REVOLUTION From handling financial transactions to customer data to placing orders and tracking inventory to marketing and communications with a web footprint – very few businesses exist today without the benefit of technology.

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