Wealth Management

Is Now the Time to Convert to a Roth IRA?

The reach of the recently enacted Tax Cuts and Jobs Act is far and deep, and even extends into the type of IRA you should consider:  regular or Roth? And if you have a regular IRA, should you convert it to a Roth IRA and when? Keep in mind that an investment in a regular …

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Will Debt Spoil Too Many Retirements?

Will Debt Spoil Too Many Retirements?What pre-retirees owe could compromise their future quality of life.Presented by Gray Equity Management, LLC The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay …

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Money Habits That May Help You Become Wealthier

Money Habits That May Help You Become WealthierFinancially speaking, what do some households do right?Presented by Gray Equity Management, LLC Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better …

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Preventing a Debit Card Hack

Preventing a Debit Card HackHow can you plan to protect yourself against this increasingly common crime?Presented by Gray Equity Management, LLC Debit card data theft has surged lately. According to FICO’s Card Alert Service, the number of businesses or ATM locations where debit cards were hacked rose 26% from 2015 to 2016. Additionally, the number …

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Are Millennial Women Saving Enough for Retirement?

Are Millennial Women Saving Enough for Retirement?The available data is more encouraging than discouraging.Presented by Gray Equity Management, LLC Women 35 and younger are often hard-pressed to save money. Student loans may be outstanding; young children may need to be clothed, fed, and cared for; and rent or home loan payments may need to be …

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When Is Social Security Income Taxable?

When Is Social Security Income Taxable?The answer depends on your income.Presented by Gray Equity Management, LLC Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since 1984. Social Security benefits became taxable …

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Tell Your Beneficiaries About Your Accounts and Policies

Tell Your Beneficiaries About Your Accounts and PoliciesLet them know how they will receive retirement assets and insurance benefits.Presented by Gray Equity Management, LLC Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate …

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Do Women Face Greater Retirement Challenges Than Men?

Do Women Face Greater Retirement Challenges Than Men?If so, how can they plan to meet those challenges?Presented by Gray Equity Management, LLC A new study has raised eyebrows about the retirement prospects of women. It comes from the National Institute on Retirement Security, a non-profit, non-partisan research organization based in Washington, D.C. Studying 2012 U.S. …

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