Planning Perspectives

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What You Should Know About Retirement Plan Rollovers

Given the current economic environment where companies are laying off workers and, in some cases, going out of the business, the implications for employer-sponsored retirement plans are significant. Unfortunately, one of the consequences of the pandemic and the economic shutdown is that many companies are laying off workers and, in some cases, shutting down completely.…

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CARES Act: IRA and Retirement Plan Provisions

There are several provisions in the CARES Act, which was signed into law on March 27, 2020, that provide flexibility to retirement account owners. In a previous blog post, we discuss the suspension of Minimum Distribution Requirements for 2020.  But perhaps the most significant change to IRAs under the CARES Act was the establishment of…

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Coronavirus and The Stock Market: Q&As From Our Clients

Global markets closed on Monday approximately 30% off of the highs reached just one month ago. The sell-off has been dramatic and breathtakingly swift. We have been getting some great questions from clients, so we thought we might share some of them along with our thoughts in the following Q&A. We hope you find it…

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Our Thoughts on the Coronovirus Sell-Off

Fueled by fears related to the Coronavirus and compounded by a drop in oil prices, the US stock market has exhibited extreme volatility over the past several weeks. While double digit corrections are not unusual, this has been an historically abrupt decline. When you hear about stock market risk, this is it.  It is the…

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Coronavirus – What Does it Mean for Your Investments?

Over the last several weeks, the coronavirus has grabbed global headlines. So far, U.S. markets have remained relatively immune. But should you try to dodge markets that have been exposed? The answer to that question is simple: breaking news should not impact your investment program.  A portfolio that is invested according to an evidence-based investment…

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The SECURE ACT’s “10-Year Rule” for Inherited IRAs

On Friday, December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law.  The broad intent of the legislation is to make it easier for families to save more for retirement, but it also includes several unfavorable provisions intended to offset the loss of tax revenue likely to result…

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