The R.I.C.H. Planning Group, LLC LTMOnline E-Newsletter

Robert A. Imparato, Jr CFP^®

CERTIFIED FINANCIAL PLANNER™ professional

Craig A. Hyldahl CFP^®

CERTIFIED FINANCIAL PLANNER™ professional

R.I.C.H. Planning Group, LLC

105 Fieldcrest Avenue, Suite #507

Edison, NJ 08837

Robert: 732-326-5240

Craig: 732-326-5240

Fax: 732-326-5331

Robert: robert@richplanninggroup.com

Craig: craig@richplanninggroup.com

Website: www.richplanninggroup.com

September/October 2018

Tax Planning for Capital Gains

As we approach the last quarter of the year, tax-smart investors typically review their portfolios to determine which investments to hold and which ones to sell. When you conduct this exercise, you should understand a few basics about capital gains taxes.

Life Stage Investing

When you have a comprehensive investing strategy, sticking to it during good and bad times is often the way to go. Sometimes, though, life happens and you need to make a change. Here is a sampling of life stages and how they might affect an investing strategy.

Life Choices

Term or perm? This sounds like something you might hear from a hair stylist, but they’re actually the two main types of life insurance. Because September is Life Insurance Awareness Month, now is a good time to learn about the differences between term and permanent life insurance.

Annuities Offer Certainty

As Baby Boomers near retirement, they may feel uneasy about the lack of guarantees offered by the investments in their employer-sponsored 401(k) plan. Increasingly, some plan sponsors are addressing this concern by offering plan participants an opportunity to annuitize all or a part of their plan balance.

Life Insurance Uses for Business

As a business owner, you may think of life insurance as an important offering in a total employee benefits package, which may help you attract and retain talented employees. But life insurance can do so much more, from helping to protect your company financially when a key employee dies to helping to fund the sale or transfer of your business. Take a look at some business uses of life insurance:

Five Truths about Life Insurance

September is Life Insurance Awareness Month, a time like any other when we can come up with several excuses to either not own life insurance or not own enough. Here’s to setting the record straight:

Adopt a Digital Mindset

While most business owners look for ways to operate efficiently, finding ways to cut costs is often difficult. One not-so-obvious way to accomplish this is to become proficient with digital tools, helping to reduce overall costs and also attract and retain tech-savvy individuals.

Legacy Planning

By itself, life insurance — with its income tax-free death benefit — offers families and business owners an efficient estate planning funding vehicle. When combined with a trust, life insurance can accomplish even more.

The Facts of Life (Insurance)

The following 2017 Insurance Barometer Study is from LIMRA, the financial services industry organization that measures such attitudes and trends, and the nonprofit Life Happens.

Boost Your Savings

If you’re approaching your 50th birthday or have passed this milestone, now is the time to supercharge your retirement savings efforts. Here are some things you can do today to potentially plump up your retirement income.

Three Ways to Curb Overspending

If you regularly spend more money than you make, you have company. According to the Federal Reserve Bank of New York’s Center for Microeconomic Data, Americans’ total household debt rose $193 billion to a record $13.15 trillion at the end of 2017. Among the contributors: credit card balances shot up 3.2% for the year.

FAFSA Filing Start Date Coming Soon

If you had a child graduate college at least two years ago and you have another who will enter college in September 2019, you may not be aware of the new FAFSA submission date.

Defending Against Cyber Criminals

October is National Cyber Security Awareness Month, a good time to make sure to protect your loved ones, your business and yourself from a host of increasing cyber threats. Here is a sampling of advice from the U.S. Department of Homeland Security to help protect you online:

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Securities offered through Equitable Advisors, LLC (NY,NY (212) 314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC-registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in California as Equitable Network Insurance Agency of California, LLC; in Utah as Equitable Network Insurance Agency of Utah, LLC; and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice. R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively. GE-4833845.1 (7/22)(Exp. 7/24) CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc.
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