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 […]

Putting Mortgage Rates in Historical Context Presented by Marc Aarons   Hope you are doing well! It’s no secret that 2022 and 2023 have featured higher mortgage rates, making things more challenging for would-be buyers and refinancers than in the recent past. That said, rates are much lower now than they have been historically, and […]

Tax Extensions Granted to Hurricane Idalia Victims Presented by Marc Aarons   I wanted to reach out to ensure you saw the Internal Revenue Service’s recent announcement for Floridians impacted by Hurricane Idalia.   On August 30, 2023, the IRS announced a tax extension for those impacted by Hurricane Idalia. Florida residents in these Florida […]

Financial Tips for College Students Presented by Marc Aarons   As a new school year begins, I wanted to reach out and provide some valuable financial tips and advice for college-bound kids. Being financially responsible is an essential skill that can set students up for long-term success. Here are some foundational concepts to guide them: […]