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We help individuals and families pursue their ideal retirements.

Qualified Business Income Deduction

By safeguard | April 15, 2021 |

One of the provisions included in the Tax Cuts and Jobs Act of 2017 was the Qualified Business Income (QBI) deduction. It is designed as a tax break for small businesses or self-employed individuals and is comparable to the enhanced tax breaks legislated for larger companies. However, while the corporate tax changes are made permanent,…

Annuity Insights

By safeguard | April 1, 2021 |

The Insured Retirement Institute (IRI) – a trade association for the retirement income industry – advocates annuities as a vehicle that can help provide retirees income, guaranteed by the insurer. The organization has been actively educating and lobbying legislators to expand annuity access as part of employer-sponsored retirement plans.1 Under this scenario, whatever portion the…

Vaccine and Technology: Where to Get Help

By safeguard | March 25, 2021 |

One of the biggest flaws in the COVID vaccine distribution plan is its heavy reliance on the internet. Meanwhile, older seniors — the first and most critical targets for the vaccine — are the least-experienced internet users.   Most state and local plans have created websites that allow people to sign up for a vaccine…

Tax Pitfalls

By safeguard | March 19, 2021 |

Millions of Americans took advantage of the delayed tax-filing deadline in 2020. In fact, according to one survey, 11% of taxpayers filed their 2019 returns after the July 15 extension, and 3% still hadn’t filed as of last December. The primary reason most taxpayers file late isn’t due to procrastination, but rather because they owe…

Retirement Planning Insights

By safeguard | March 12, 2021 |

Amid lost jobs and a scaled-back economy in 2020, some workers may have decided to retire earlier than planned. There are a couple of Social Security strategies worth considering in this scenario.   First, if both spouses are over age 62, determine if you can make ends meet by taking only one Social Security benefit…

The Power of American Workers

By safeguard | March 5, 2021 |

First unveiled while President Joe Biden was still on the campaign trail, his “Build Back Better” infrastructure plan aims to help tackle unemployment and climate change. The plan calls for $2 trillion in spending over four years with investments in infrastructure, manufacturing, innovation, research and development, and clean energy, as well as training for displaced…

Vaccines and the Stock Market

By safeguard | February 20, 2021 |

  If there’s one thing that can move the economy and stock market forward, it’s hope. This year, that hope is being presented in the form of COVID-19 vaccines. Economists and Wall Street analysts have long proclaimed that comprehensive economic recovery is not possible until we have contained the virus. The prospect of wide distribution…

Preparing for a Loved One’s Funeral

By safeguard | February 12, 2021 |

America began 2021 experiencing the worst days of the COVID-19 pandemic. As of Feb. 1, case numbers continued to rise, with recorded deaths since January 2020 ranging from 413,1961 to 441,4092, depending on sources used (CDC provisional count waits for a death certificate, which can cause up to a two-week delay). Fox News reports that…

When To “Buy Low”

By safeguard | February 5, 2021 |

The beginning of the year is typically full of hope. We make New Year’s resolutions, and it may take a few months for our enthusiasm (and vigilance) to wane. There’s also the “January Effect,” when the stock market generally gets a performance boost thanks to tax harvesting in December and subsequent reinvestments. But even that…

How To Help Maximize Social Security Benefits

By safeguard | January 27, 2021 |

There are good reasons to delay starting Social Security benefits, but there are also good reasons to begin them early. It really does depend on your circumstances.   If you claim earlier than your full retirement age (FRA), your benefit will be permanently reduced. The age to qualify for the full Social Security benefit varies…

2021 Outlook: Wealth Managers Weigh In

By safeguard | January 15, 2021 |

While challenges likely still lie ahead, there’s no denying we all weathered our fair share of storms in 2020. Now that the calendar has turned to a new year, we looked to wealth managers across the nation to find out what they’re expecting for 2021. As you’ll see, the answer often changes depending on where…

What’s Ahead in the Stock Market?

By safeguard | December 31, 2020 |

In November, the Dow experienced its best month since 1987, while the S&P 500 and Nasdaq indexes enjoyed their best month since April of this year.1    With the election behind us and a vaccine on the horizon, the stock market has plenty to celebrate. Many consumers used the pandemic period to shore up their…

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