Insights & News

As part of our commitment to keep our clients well-informed and educated on matters of wealth management, we share our commentary and relevant news stories – inviting you to call on us to discuss any of these topics.


How to Manage Money as a Committed Couple

Whether you’re a new couple just beginning to merge your lives or a couple that has been together for a decade or two, money management can be a tough topic to handle. For the context of our purposes, a “committed couple” is a married or committed couple that is in a long-term, lifetime relationship.


9 Tips to Ease the Sting of Back-to-School Budgeting

Back-to-school season comes around every year, but like the holidays, it has a tendency to sneak up on parents — and their bank accounts. With inflation and up-and-down gas prices, back-to-school is shaping up to be an even bigger budget challenge this year.


Transferring Ownership of a Family Business: A Step-by-Step Guide

Transferring ownership of a family business requires careful planning and consideration if you hope to execute it effectively. The intricate dynamics of family relationships, combined with the complex nature of business operations, make this process both challenging and crucial for long-term success. The way you handle this transition bears implications for your family, your business, and your legacy. In the interest of helping you handle your own transition, here are ten steps to consider taking with your family business.


Financial Lessons to Share With Your Children

The need for early financial education has perhaps never been greater. According to an annual survey by the Global Financial Literacy Excellence Center, fewer than 50% of Americans were able to correctly answer at least fourteen of twenty-eight basic questions regarding their personal finances. The same survey discovered that 39% of US households lack sufficient savings to cover a month’s worth of expenses, illustrating widespread financial vulnerability.1 These figures underscore the importance of achieving a base level of financial literacy in order to thrive in the modern economy. So, who should be the one to prepare our children with the knowledge that’s necessary to confront today’s financial challenges? Skills such as budgeting, bill paying, and appreciating the value of a dollar are instrumental to your child’s future success, but most school curriculums fail to equip students with even a basic foundation of financial literacy. As a result, the responsibility of teaching these skills and encouraging sound financial habits often falls on parents.


Long-Term Care Insurance Primer

It’s difficult to predict what your medical needs will be years down the road, but a long-term care insurance policy can serve as a safety net, providing financial relief for your family should you or a loved one require a higher level of care. Long-term care (LTC) insurance is designed to help cover the costs associated with care as we age. This can include nursing home care, in-home care, adult daycare, and assisted living facilities, among other services not typically covered by traditional health insurance or Medicare. In this guide, we’ll cover what you need to know in order to make an informed decision regarding long-term care coverage for yourself or a loved one.


Funding Your Child’s Education

As the cost of higher education continues to rise, many parents and future students are confronted with the challenge of planning for this significant financial responsibility. Some students may receive support in the form of grants or scholarships, but these don’t always cover the full cost of a college education. Student loan debt can take years to erase and may make it harder to reach your financial goals. Thankfully, there are a number of investment accounts that can make it easier to save for education expenses. Let’s discuss a few of the options that may be worth considering.


Financial Tips for New and Expecting Parents

Whether you’re a new parent or you’ve got a child on the way, there’s a lot of planning that goes into adding to the family. On top of adjusting to sleepless nights and endless diaper changes, you’re likely thinking about how you’ll adjust your financial plan to account for your new child’s needs. Childbirth alone can lead to high medical costs, to say nothing of what’s required to actually raise a child. These expenses may feel daunting to confront, but with some financial planning, you may be able to help your family manage them and approach the future with confidence. Here are several tips to help new and expecting parents financially plan for a new addition to the family.


Behavioral Investing

Join us as we examine the biases associated with behavioral investing trends and how they can impact a financial plan


Finding Fulfillment in Retirement: 10 Tips For Embracing Your Golden Years

Retirement marks the beginning of a new chapter in your personal journey, an opportunity to explore, learn, and enjoy life at your own pace. It also represents the culmination of many years of hard work and careful planning. Until this point, your career has likely played a starring role in your life, providing you with structure, purpose, and fulfillment. When you’re ready to step away from work and into your well-earned retirement, it’s important that you find new outlets for these things. So, how do you make sure your “golden years” are genuinely golden? Here are ten tips to help you navigate retirement and make it a fulfilling and joyful period of your life.


Comparing Healthcare Accounts: HSA vs. FSA

Healthcare is a key consideration within your financial plan, as these expenses can account for a significant portion of your spending. Even if you and your loved ones are in good health now, circumstances can change on dime and it’s difficult to predict what your needs will be down the road. Luckily, there are savings accounts specifically designed to help you cover these expenses, providing certain tax benefits that encourage you to save. Two popular options are Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). While both aim to help individuals save money for medical expenses, they differ in a number of key aspects. By understanding these distinctions, you can make a more informed decision about which of the two accounts better suits your needs.


What Types of Insurance Do You Need?

What is truly important to you in life? Is it the welfare and security of your loved ones? Is it the ability to provide for your family, even in times of uncertainty? Your response to these questions sheds light on the essential role insurance can play in our lives.


What’s a 1031 Exchange?

A 1031 exchange – frequently referred to as a “like-kind” exchange – is a tax-management strategy that allows real estate investors to defer capital gains taxes on the sale of a property by reinvesting the proceeds into a new property of the same type. These exchanges can be powerful tools, but there are some rules and other considerations investors should be aware of before implementing a 1031. This guide outlines what a 1031 exchange is, what the benefits may be, and what requirements must be met in order to unlock those benefits.


Investing in Private Markets

Join us as we discuss investing in private markets


Introduction to Money Markets

A crucial step in building a sound financial plan is ensuring you have access to cash when you need it, but that doesn’t mean you have to keep that cash in a bank account earning modest interest. For investors looking to maintain a certain level of liquidity while earning a greater return than a savings account can provide, money market investments may be worth considering.


Common Retirement Pitfalls

After a lifetime of hard work and careful planning, you deserve a comfortable retirement. Once you stop earning a wage, effectively maintaining your nest egg becomes more crucial than ever, and mismanaging your resources may keep you from achieving the lifestyle you’ve envisioned for yourself.


Financial Planning Checklist for Recent College Grads

Whether you have a child or loved one who’s recently graduated or who’s gearing up to make the transition from college life to the “real world,” this major turning point will require numerous financial decisions. From finding a place to live and paying monthly bills to investing and saving for the future, college graduates may be faced with managing their own money for the first time.


Ready to Retire? 7 Questions to Consider Before You Stop Working

Are you thinking about leaving your work life soon? Retirement can be an exciting milestone in your life, allowing you to spend your time however you choose. But to get there, you must prepare – both financially and emotionally. To help you get a plan in place, here are seven questions you can ask yourself


CyberSecurity Webinar

Join us to learn how to better protect yourself online


Introduction to Tax-Loss Harvesting

Some investors may be looking for ways to manage their potential investment-related losses and tax obligations. If this describes you, tax-loss harvesting might be a strategy worth considering. However, it can be difficult to execute and should not be attempted without first consulting a tax professional as the amount of savings provided by tax-loss harvesting may depend on your tax bracket and investment allocation, among other considerations.


A Beginner’s Guide to 401(k) Plans

Whether you’re just starting your career or you’re further along in your professional journey, you may have had the opportunity to invest in a 401(k) through your employer. These investment plans provide a tax-advantaged way to save for retirement and, in some cases, your employer may even make extra contributions on your behalf. But what exactly is a 401(k), and how can you take full advantage of one?


2023 Ausperity Tax Reference Guide


Secure 2.0: What Could It Mean for You?

On December 23, 2022, Congress passed the Secure 2.0 Act into law, as part of a significant $1.7 trillion spending bill. Just like its predecessor, Secure 2.0 includes an extensive list of retirement-related changes designed to expand access to retirement savings accounts and provide more options for contributing to and drawing from these accounts.1 To help you understand what Secure 2.0 means for you, here are eight significant changes it brings and the impacts they might have:


Estate Planning Essentials

Join us as Rory O'Hara, CFP®, CRPC® discusses the many intricacies of estate planning with Colin J. Devlin & how to get the conversation started with family members. Register here!


Mutual Funds: What You Should Know Before Investing

To help you better understand how these funds work, what their benefits could be, and the risks you might face when investing in them, we’ve put together this guide detailing some of the things you might want to know about mutual funds before investing.


Year-end Tax Planning

Join us as we discuss tax strategies to take advantage of as the year-end approaches


Saving for Retirement: which account is right for you?

Are you effectively utilizing all the accounts at your disposal? Read more in our latest piece from Founder and Managing Partner, Rory O'Hara, CFP®, CRPC®.


Estate Planning in the Digital Age

Have you ever wondered what would happen to your digital assets when you pass away? Join us to learn some best practices with how to transition your social media, email, login info, & more!


Planning for the Next Generation

Join us as we discuss planning for the next generation & dive into various tax-advantaged strategies to help set-up our children with their best financial life.


The Backdoor and Mega Backdoor Roth: Does It Make Sense For You?


Fighting Inflation with I Bonds

As inflation continues to rise, there are tools which help to combat the pressure.


Join Us for Our June Webinar on Behavioral Finance!

Discover how our emotions can play a role in financial decision making. Join Shane Fox as he hosts Annmarie Woods of Guggenheim for a discussion about behavioral finance in the face of volatile market conditions.


Your Guide to Required Minimum Distributions (RMDs)

Retirement comes with both new freedoms and new rules. Learn about what you can expect when it comes to RMDs.


Tax Efficient Investing

We would like to invite you to join us for our next webinar on Tuesday, May 17th as our very own Geoff Degener hosts Ryan Gallagher of Eaton Vance for a discussion about tax efficient investing.


Inflation and Retirement: How Does It Impact Me?

The annual inflation rate in the U.S. hit 7% in the final month of 2021, a record-setting high not seen since June of 1982, as reported by Trading Economics. While this has led to increased prices at almost every store and at the gas pump, a more pressing long-term concern has emerged for many Americans; how will this impact them during retirement?


8 Things to Know About Stock Market Corrections

Scary as they are, drawdowns are a normal part of the investing process. Having a financial plan in place and sticking to it is every investor's best friend.


Health Savings Accounts (HSA) are an excellent way of saving for medical expenses and retirement!

A Health Savings Account is the only investment account that includes the benefit of tax-deductible contributions AND tax-free distributions (for medical expenses). HSAs are an excellent way of savings for medical expenses and retirement!


3 Social Security do-over options

Did you know you can undo certain Social Security claiming decisions? Read on to learn more about claiming benefits early and wishing to withdraw your application, waiting too long and wanting to recoup that loss of income, or looking for an infusion of cash to get out of a temporary rough spot.


How to Generate Tax-Efficient Retirement Income

The withdrawal strategy you chose in retirement can have a big effect on you, your heirs, and your taxes! Read more to learn which accounts you should draw down sooner rather than later.

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Choosing a Lump Sum Payment vs a Pension

Is it better to take a lump sum or payments overtime via your pension? Though personal circumstances will ultimately decide, the Ausperity team covers the basics to help guide your thinking. Curious how this might apply to YOUR unique circumstances? Call us at 856-252-0101.


Behavioral Investing


Searching for Yield in a Time of Uncertainty


Investing in Private Markets


Leveraging Credit Responsibly & What Credit Card is Right for You


If this Then that | Ep. 3 | Roth IRAs for Children


If this Then that | Ep. 2 | Qualified Charitable Distributions


Estate Planning | How to have the conversation with your family


Secure Act 2.0 | What You Should Know and How You Should Prepare


IRMAA Explained and How to Get a Reduction


IF this THEN that | Episode 1


What are the differences between Medicare & Medicare Advantage?


Things to Know about State Income Taxes specifically New Jersey


2022 Year-end Tax Planning | Webinar Recap


If you are over 65 and working, why you might not want to enroll in Medicare? (Hint…HSA)


If you are already enrolled in Medicare, does annual enrollment season matter?


Bonds 101 | Reviewing the current state of the bond market and what it means.


How to best include Cryptocurrency in your Estate Plan


How to make your sure your Estate Plan accounts for your Digital Presence and Assets


Move to Digitization | Examples of Digital Assets and What Happens When You Die Without a Will


Estate Planning in the Digital Era | Starting with the Basics


What’s Happening in the Markets | Ausperity Market Update


What is a Health Savings Account?


Next Generation Planning | A Deeper Look at Health Savings Accounts (HSA)


Considering the Role of Alternatives | Ausperity Private Wealth


Evaluating Stock Compensation Plans | Ausperity Private Wealth


Restricted Stock Units - What Are They and How Are They Taxed?


Webinar Replay | Tax Efficient Investing


Ausperity Private Wealth | How we coach our clients through turbulent times


Roth and Mega Backdoor Roth Conversions | Ausperity Private Wealth


The importance of playing offense amongst market uncertainty

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