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How Market Moves Affect Investor Decisions

October 9, 2018

The National Bureau of Economic Research recently explored how continued low returns can influence saving, investing and retirement behaviors. According to the report, diminished returns tend to motivate people to save more in non-retirement accounts and less in their 401(k)s, alter their investment allocations, and even delay retirement and claiming Social Security benefits.1 While recent…

Tax Burden Shifts in Divorces

August 28, 2018

The Tax Cuts and Jobs Act (TCJA) featured an important provision for divorcing couples to consider. For divorces executed after Dec. 31, 2018, alimony will no longer qualify as a tax-deductible expense, while alimony payments will be tax-free to recipients. In other words, the tax burden on that income will shift from the receiver to…

Trends in Real Estate

August 14, 2018

One of today’s new housing trends was also popular more than thousands of years ago — communal living.1 In the Middle Ages, society was more interdependent. It wasn’t unusual for households to consist of far more than just biological family members; a myriad of shifting residents included townspeople, friends, poor married couples, other people’s children,…

What Higher Interest Rates Could Mean for You

July 17, 2018

Unemployment is at its lowest level in years.1 Many Americans are seeing a bump in their paychecks due to the new tax law, and the stock market is remaining resilient in the bullish market. What could go wrong? Inflation, for one, which is why the Federal Reserve has been raising interest rates. As part of its…

Taking Required Minimum Distribution

January 9, 2018

Retirement savings accounts that allow employees to make pretax contributions have a caveat: At some point, taxes must be paid on that earned income. The Internal Revenue Code generally requires that retirement account owners take a certain amount of money out of those accounts each year, starting when they reach age 70 ½. This is…

How Much Retirement Income Should Come From Savings?

September 26, 2017

According to the Bureau of Economic Analysis, Americans’ personal savings rates are about half of the amount they once were. For the past few years, the personal savings rate has hovered around 5 percent, but that’s still significantly lower than the savings rate from 1950-2000, which averaged 9.8 percent.1 For many retirees, a big concern…

Potential Reasons to Put the Retirement Countdown on Hold

September 19, 2017

Retirement is still something most people look forward to, but over the years, some of the reasons for anticipation have dwindled. During the industrial age, more people worked jobs requiring manual labor that were hard on the body. By mid-century, many rank-and-file workers could look forward to a pension waiting for them upon retirement. Workers…

Happy Thanksgiving!

November 23, 2016

Heise Advisory Group will be closed for the Thanksgiving Holiday on Thursday, November 24th and Friday, November 25th. Normal office hours will resume on Monday, November 28th.  Happy Thanksgiving! Have a safe and wonderful weekend!

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