Archive - 2012

1
4 Financial Tips For The Sandwich Generation
2
Calculating The Reduced Social Security Spousal Benefit
3
Another Good Reason To Delay Social Security Benefits
4
What Is A Stock Split And How Does It Impact Cost Basis (Your Taxes)?
5
Money And Children – Teaching Kids To Manage Cash

4 Financial Tips For The Sandwich Generation

Dec 28 2012
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Alan Moore, CFP®, MS

Alan is passionate about providing individualized financial advice to individuals and families, regardless of their net worth, income or investable assets. An educator at his core, he strives to serve as his clients’ guide, available to help with the sometimes stressful or exciting financial situations that life inevitably brings.

Alan is the founder of Serenity Financial Consulting, which he started after noticing the lack of hourly, as-needed financial planning advice available to consumers. With experience working in several nationally recognized firms including Kahler Financial Group and Financial Service Group, Alan combines his industry experience and technical knowledge with his entrepreneurial spirit and penchant for teaching others to create a refreshing style of truly personal financial planning.

Alan is a Certified Financial Planner™ professional and Certified Retirement Counselor™. He earned his bachelor’s degrees in Family Financial Planning and Consumer Economics and his Master’s Degree in Family Financial Planning from the University of Georgia. Driven by his desire to educate, Alan also taught undergraduate financial planning courses while in graduate school.

Alan prides himself on being active in his community and feels privileged to have served in the Georgia National Guard for four years before receiving an honorable discharge. Originally from Georgia, Alan now lives in Shorewood with his wife Melissa, and enjoys taking advantage of the abundance of activities that Milwaukee has to offer.

All posts from Alan Moore, CFP®, MS
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We have been hearing alot about the Boomer generation, Gen X, and Gen Y, but I think we will begin to hear more about the Sandwich Generation over time. While the Boomers, Gen X, and Gen Y are classified based on their age, The Sandwich Generation is a life stage that can encompass a very wide range of ages. The term Sandwich refers to being stuck between aging parents and financial dependent children. It represents one of the most financially difficult times that we will experience in our lifetime.

Aging Parents:
Our aging parents were told many years ago that …

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Calculating The Reduced Social Security Spousal Benefit

Dec 28 2012
Browse archives for December 28, 2012
Jim Blankenship, CFP®, EA

Jim Blankenship is the founder and principal of Blankenship Financial Planning, Ltd., a financial planning firm providing hourly, as-needed financial planning and advice. A financial services professional for over 25 years, Jim is a CFP professional and has earned the Enrolled Agent designation, a designation that qualifies him as enrolled to practice before the IRS. Jim is also a NAPFA-registered financial advisor, which designates him as a Fee-Only Financial Advisor.

An IRA Owner's Manual
A Social Security Owner's Manual

All posts from Jim Blankenship, CFP®, EA
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Among the pile of very confusing calculations for various Social Security benefits is the incredibly confusing Spousal Benefit.  This calculation becomes even more confusing when filed for prior to Full Retirement Age (FRA), as it is further reduced.

Briefly, the maximum amount that a Spousal Benefit can be is 50% of the other spouse’s Primary Insurance Amount (PIA).  PIA, if you’ll recall, is equivalent to the amount of benefit that the other spouse would receive in benefits at his or her own Full Retirement Age.  The calculation is actually a bit more complicated than that.

The Spousal Benefit for Jane …

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Another Good Reason To Delay Social Security Benefits

Dec 19 2012
Browse archives for December 19, 2012
Jim Blankenship, CFP®, EA

Jim Blankenship is the founder and principal of Blankenship Financial Planning, Ltd., a financial planning firm providing hourly, as-needed financial planning and advice. A financial services professional for over 25 years, Jim is a CFP professional and has earned the Enrolled Agent designation, a designation that qualifies him as enrolled to practice before the IRS. Jim is also a NAPFA-registered financial advisor, which designates him as a Fee-Only Financial Advisor.

An IRA Owner's Manual
A Social Security Owner's Manual

All posts from Jim Blankenship, CFP®, EA
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As you likely know from reading many of my articles on the subject, I have long advocated the concept of delaying your Social Security benefit as long as possible.  This shouldn’t be a surprise – many financial advisors have espoused this concept for maximizing retirement income.

Lately there has been a white paper making the rounds, from a Prudential veep, Mr. James Mahaney, entitled Innovative Strategies to Help Maximize Social Security Benefits.  The white paper supports the very theme that I wrote about a couple of years ago in the post Should I Use IRA Funds or Social Security …

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What Is A Stock Split And How Does It Impact Cost Basis (Your Taxes)?

Dec 17 2012
Browse archives for December 17, 2012
Ara Oghoorian, CFA, CFP®

Ara Oghoorian, CFA, CFP® is the founder and president of ACap Asset Management, Inc, a financial advisory specializing in working with medical professionals. Ara has over 20 years of experience in the financial services industry. Prior to starting ACap, Ara worked for a wealth management firm in the Washington, DC area providing investment management, tax preparation/planning, financial planning, complex risk-management strategies, and financial advice to ultra high net worth individuals and institutional clients.

Ara worked overseas for the US Department of the Treasury as an advisor to the Ministry of Finance and Economy in the Republic of Armenia. He also conducted work in the Republic of Georgia and the Republic of Latvia. He spent nine years at the Federal Reserve Bank of San Francisco auditing foreign and domestic banks and bank holding companies. He began his career at Wells Fargo Bank in Huntington Beach, CA.

Ara earned a Bachelor of Science degree in finance from San Francisco State University, is a Commissioned Bank Examiner through the Federal Reserve Board of Governors, and holds the Chartered Financial Analyst (CFA) designation. Ara also holds the Series 65 license.

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Chances are, if you invest in a growing company over a long period, you will experience a stock split. But what exactly is a stock split and how does it impact your cost basis, which is used to calculate capital gains taxes?

There are two types of stock splits: forward and reverse. The most common is a forward split, where a company splits its stock into smaller pieces. Splits are denoted in ratios. For example, a two for one split is shown as 2:1. For example, if you have 100 shares of Intel (INTC) stock, worth $100 a …

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Money And Children – Teaching Kids To Manage Cash

Dec 17 2012
Browse archives for December 17, 2012
Jim Heitman, CFP® All posts from Jim Heitman, CFP®
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The ability to manage cash flow is an extremely important skill for everyone. If you can help your children develop this skill you will give them something that will benefit them for the rest of their lives. The first problem in teaching this skill is that kids have no cash to manage. So how do you do it?  Give them a bit of income. Yep, give them an allowance. The allowance is one of the strongest teaching tools you can deploy in teaching your children good money skills.

The allowance gives you, the parent, a way to teach basic cash …

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