Recent legislation has introduced significant changes to Social Security benefits through the Social Security Fairness Act of 2023 (H.R. 82). As wealth management professionals, we believe it's important to help you understand these changes and consider how they might impact your plans for retirement. The Legislative Background According to ...
Are you trying to attract and then retain high-net-worth (HNW) or ultra-high-net worth (UHNW) clients? Many financial advisors are... so what can you do to stand out from your competition and win these clients? You can position yourself as the go-to advisor for affluent individuals with three actions: Offer comprehensive ...
For many retirees, highly appreciated real estate represents both their greatest financial asset and their biggest tax headache. Selling means handing a significant portion of the gain over to federal and state taxes, but holding on isn't always practical either. Here's how one couple found a smarter path forward. A ...
Beyond the Myths: What You Really Need to Know About Social Security When it comes to retirement planning, few topics generate more questions and confusion than Social Security. As advisors, we frequently hear concerns from clients about their benefits, often fueled by headlines or well-meaning but misguided advice from ...
In the intricate world of retirement planning, Social Security remains both a cornerstone and a source of confusion. As a financial advisor, you've likely encountered clients grappling with misconceptions that could derail their retirement dreams, or at the very least give them pause on when to collect Social Security. But ...
As we enter the final quarter of 2024, our team at Prosperity Capital Advisors (Prosperity) is here to share what we're seeing in the markets and what it means for investors like you. As President and Co-Chair of the Investment Committee, I’m here to offer the following key insights: A ...
As we gear up for the 2024 presidential election, it’s important to consider about how some of the candidates’ proposals will inevitably affect your financial advisory clients, and therefore how you advise them in their best interest. Looking at Vice President Kamala Harris's tax proposal, for example, we see significant ...
In the world of retirement planning, there is a hidden gem to create substantial income tax savings: Net Unrealized Appreciation (NUA). It is a clunky term, but behind it lies a powerful strategy that can transform the financial landscape for those with company stock in their employer-sponsored 401(k) plans. At ...
While annuities can provide some compelling benefits for retirement income planning, they are sometimes misunderstood or overlooked by investors and financial professionals alike. Why? For one, annuities have evolved significantly over the years. Many products today offer more flexibility, liquidity options, institutional pricing benefits, and ways to address longevity risk ...
Understanding the Sunset of Tax Provisions in 2026 As we approach the year 2026, certain tax provisions introduced by the Tax Cuts and Jobs Act (TCJA) of 2017 are set to expire, marking what's commonly referred to as the "great tax sunset." This legislation brought significant changes to the tax ...
Realized market returns are driven by the difference between investor expectations and the events that actually transpire. If reality pans out better than expected, markets may deliver strong returns along the way. On the other hand, market returns may be disappointing if developments are worse than anticipated. The global MSCI ...
A financial advisor can provide the perspective investors need to tune out the daily noise and stay focused on a long-term plan. At Prosperity Capital Advisors, we're here to help by being a planning-first RIA with client best interests in mind. Our nationwide professionals stand by trusted processes and ...
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