Understanding Advance Directives

If you became seriously ill and could no longer communicate your wishes, how would you want to be cared for? Which treatments would you want, and which would you want to avoid? Advance directives allow you to convey your decisions for end-of-life care to family, friends, and health care professionals, helping prevent confusion down the road.

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Disintegration of the European Union: What it Could Mean for you

2017 is a critical year for Europe. The outcomes of the many local and national elections in the member states of the European Union (EU) will define the future political and economic structure of Europe. But why is this union of 28 countries so important, and what are the implications for you should it disintegrate?

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What You Need to Know About TOD Accounts

A relatively new option for clients, transfer on death (TOD) accounts offer a unique beneficiary feature. Unlike similar non-retirement accounts, TOD accounts allow investors’ assets to transfer directly to their designated beneficiaries when they pass away, circumventing the probate court process. The TOD registration, which is available for both individual and joint accounts, not only streamlines the account disbursement process, it also lets account holders rest assured that their beneficiaries will receive the intended amount of assets.

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Shifting Income & Tax

What is shifting income and tax liability?

Income shifting (also known as income splitting) may be defined as dividing income among taxpayers in a way that lowers the overall tax burden imposed on the income. Typically, income is shifted from higher bracket taxpayers to ones in lower tax brackets. Mathematically, you can describe the overall savings in tax as the present value of the difference between the tax that would be paid by the "donor" of the income over his or her lifetime, compared to the present value of the tax that will be paid by the recipient on the same income.

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Market Update for the Month Ending May 31, 2017

Positive month for markets as risks recede

The three major U.S. stock indices did well in May. The Dow Jones Industrial Average finished May with a 0.71-percent gain, and the S&P 500 Index rose 1.41 percent. Leading the pack was the Nasdaq, which was up 2.67 percent.

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Investor 360°® Mobile App Messaging

With the Messaging feature for Investor360°® Mobile, you can now securely send and receive messages to and from my office on the go. Just log in to the app, click the menu icon , and navigate to Messaging. Be sure that you are running the latest version of the Investor360° Mobile app to access all features.

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