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Risk

FinPlan Friday: Debt in Down Markets

Down Markets and Debt While some experts will insist that debt in retirement is never beneficial, debt can have a positive impact on a retirement strategy at times. During a market dip, debt can help retirees avoid tapping into their portfolio, which needs time to recover. Additionally, if a retiree is planning on making a large purchase, there can be significant tax benefits by financing. Learn more about debt in down markets in our FinPlan Friday conversation with Joe.
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In The News

Hidden Value: Tax Opportunities Created by Market Downturn

This week in his Hidden Value column for ThinkAdvisor, Joe Elsasser, CFP®, talks about how the recent market downturn and the new CARES Act have created some unique financial planning opportunities.
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Marketing

Five Reasons You Should Offer a Taxes in Retirement Webinar

Around the world, normal business operations have been disrupted. Financial advisors face the same struggles as everyone else. Social distancing has made it impossible to hold in-person client meetings, and advisors who host educational seminars to find new prospects have been unable to do so. But with change, good or bad, opportunities arise. This new environment has created an opportunity to try educational webinars. Webinars can be just as effective as in-person seminars to help you attract prospects, if you do them correctly.
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Marketing

NEW “Taxes in Retirement” Marketing Kit

[Exclusive] For Tax Clarity Subscribers Only You’ve got retirees to help—we’ve got you! We know that times are really tough for a lot of people, especially our older population. That’s why we are giving our Tax Clarity® subscribers  some new resources for free. We've created an extensive marketing kit with downloads, templates and videos to help you communicate with clients and prospects. 
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In The News

FinPlan Friday: Tax Techniques for Down Markets

Planning Options in a Down Market  Now that we’re in a bear market, there are a few techniques advisors can use to alleviate the burden on clients. Roth conversions are going to be particularly valuable because the funds will  recover tax-free. Doing Roth conversions can spread out the tax liability earlier in retirement. Right now, there are no required minimum distributions under current rules for Roth IRAs, so it’s a good time to consider accelerating off Roth IRA and Roth conversions. Learn more about the best tax techniques for down markets in our FinPlan Friday discussion with Joe.
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In The News

Hidden Value: Tax-Aware Retirement Planning Is Not ‘Tax Advice’

This week in his Hidden Value column for ThinkAdvisor, Joe Elsasser, CFP®, discusses the difference between tax-aware retirement planning and "tax advice," and why advisors can, and should, talk taxes with clients. 
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Tax

FinPlan Friday: Give Retirement Advice That is Tax-Sensitive

Tax-Aware Retirement Advice Taxes are a critical piece in retirement planning, yet most financial advisors avoid discussing the topic entirely out of fear violating federal regulations or industry standards that limit who can provide "tax advice." Lumping anything tax-related into "tax advice," however, is a disservice to the client. Learn how to give retirement advice that is tax-sensitive without crossing the line into tax advice in our FinPlan Friday discussion with Joe.
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Tax

On-Demand Webinar: The Impact of the SECURE Act

The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) offers significant changes for retirees. For instance,  The age for required minimum distributions has been changed from 70½ to age 72.  IRA contributions are no longer capped by age. The stretch IRA has now been limited to 10 years.  Recently, Covisum® Founder and President, Joe Elsasser, CFP®, hosted a webinar to help advisors learn how you can capitalize on this opportunity. The webinar is now available for on-demand viewing. Watch the webinar when and where it's convenient for you. 
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In The News

Hidden Value: Avoid the SECURE Act's Long-Term Tax Traps

Hidden Value is a column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights that advisors and their clients may not have considered. This week, Joe discusses the tax implications of the SECURE Act. 
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