Roth IRA Conversion Deadline -December 31 Presented by Marc Aarons   I’m reaching out with a timely reminder that the deadline for converting retirement funds to a Roth IRA is coming up on December 31st. There are a variety of reasons why utilizing this conversion before the end of the year could be beneficial to […]

Year-End Considerations for High Net-Worth Individuals Presented by Marc Aarons   I am reaching out as we near the end of the year to share some important considerations for high-net-worth individuals. While not all-inclusive, this list will provide a starting point to help you consider your situation and needs. As always, if one or more […]

Rising Interest Rates, Savings, and Debt Presented by Marc Aarons I’m reaching out today given the stark financial situation many Americans find themselves in, as they grapple with the Federal Reserve’s historic rate hike campaign and the compounding effects of just-recently cooling inflation.   If you are among those facing record-high credit card debt and […]

Third Quarter Financial Market Update 2023 Presented by Marc Aarons I hope you are enjoying these last few months of the year. As we head into the final stretch of 2023, I wanted to reach out and offer a review of the third quarter’s key market and economic developments.   S&P 500: A Breather After […]

IRS Announces 2023 401(k) and IRA Limit Increases Presented by Marc Aarons   I thought I’d provide a quick reminder note regarding the IRS’s announcement in late October regarding retirement account limits for 2023 (IRS). I’m here to help with any questions you may have.   401(k), 403(b), 457 plans, and Thrift Savings Plan The […]

Employee Burnout on the Rise Presented by Marc Aarons   I wanted to share some important information regarding employee wellbeing. A recent study showed that employee burnout is at its highest level since the height of the COVID-19 pandemic in 2020. Reasons for this include increased stress, low job satisfaction, and financial concerns like unexpected […]

Mortgage Fee Changes 2023 Presented by Marc Aarons Hope everyone is doing well.  I am reaching out to share some important news that may affect mortgage loan fees if you plan to buy or refinance anytime in the near future. Beginning May 1, 2023, new federal rules adjust upfront fees for loans backed by Fannie […]

Recession-Proofing Strategies Based on Age Presented by Marc Aarons   There’s been a lot of talk recently about a recession. Given the uptick in chatter, I thought I would reach out with a game plan of sorts for recession-proofing assets based on age. Feel free to share this with others in your network who may […]

Traditional IRA vs. Roth IRA Presented by Marc Aarons I’ve been getting a lot of questions from clients lately about whether they should contribute to a Traditional or a Roth IRA, so I wanted to reach out and proactively share with you the benefits and drawbacks of each.   Traditional IRA: Contributions to a traditional […]

Self-Directed vs. Employer-Sponsored 401(k)s Presented by Marc Aarons   Today, I wanted to bring your attention to a topic that I believe is critical to your retirement planning: your 401(k) account. As you may know, many employer-sponsored 401(k) plans have limited investment options, and the plan sponsor makes the investment decisions, not you. As a […]