Costelloe Financial specializes in Retirement Planning and Investment Management, and offers other services. We are based in the Reno Tahoe area.
MarketWatch lists 4 well-paying jobs suited for retirees @ https://tinyurl.com/y5ju86en
marketwatch.com You can make well over minimum wage and work remotely
A Yahoo! Finance post notes how retirement account distributions affect your taxes: https://tinyurl.com/y6m9pbsc
finance.yahoo.com For most people who are retired, much of their taxation depends on a single thing.
CNBC explains what you should know before you lease a car this year: https://tinyurl.com/y2tetg3k
cnbc.com The higher costs are largely due to a combination of rising vehicle prices and interest rates, along with some models experiencing weakening residual values.
Forbes explains how whole or universal life insurance can become the core of a retirement strategy: https://tinyurl.com/y6pdlm5l
forbes.com Life insurance can be a valuable tool for retirement planning if your situation allows for it.
USA TODAY offers tips on selecting the right travel insurance for your next trip @ http://tinyurl.com/y5terguo
usatoday.com This is the year to consider a travel insurance policy, given global insecurities and the increasingly restrictive policies of travel companies.
Forbes has an interesting article about integrating life insurance and charitable giving @ https://tinyurl.com/yydkleko
forbes.com Life insurance is a valuable asset, and often, should be kept in force for the benefit of the insured and owners. However, in some cases the need for life insurance can change and gifting the policy might become a better strategy. Find out how to make the best of gifting a life insurance policy.
The Motley Fool identifies 3 major money risks that tend to appear after age 75 @ https://tinyurl.com/yy8njvyu
fool.com Will one or more of these derail your retirement?
U.S. News presents 3 key concepts for investing not before, but after you retire: http://tinyurl.com/y3pfkuf5
money.usnews.com These three tips can give you a greater chance of a successful retirement outcome.
This USA TODAY article lists 6 wise estate planning steps. How many have you taken? http://tinyurl.com/y6zqptw9
usatoday.com Only 42 percent of Americans have a will or other estate planning documents, according to a 2017 Caring.com study.
Retiring before 65? Read this overview of health insurance options for retirees at SmartAsset: https://tinyurl.com/y3adpo42
smartasset.com How do you get health insurance once you're retired? We have a guide to all your options, from the various parts of Medicare to private insurance.
Did you know that some college scholarships are taxable? Learn more in this CNBC post: https://tinyurl.com/y6z63a8u
cnbc.com Few people would expect to face a tax bite on a scholarship, yet there are situations in which that might be the case. Here's what you should know.
A Harvard Business Review article notes why more companies need to recognize the needs of working parents: https://tinyurl.com/y7ogd8zb
hbr.org If your policies don’t accommodate their needs, they’ll go elsewhere.
The Motley Fool presents 3 conversation starters for talking with your spouse about retirement planning: https://tinyurl.com/yxdolynf
fool.com Being on the same page as your spouse is key to effective retirement planning for couples.
A Next Avenue post notes 8 financial missteps to avoid before and during retirement: https://tinyurl.com/y7q4yxtu
nextavenue.org Keen advice from the authors of 'Your Complete Guide to a Successful & Secure Retirement'
If you work for yourself, it is smart to shop for disability insurance. Take it from Entrepreneur: https://tinyurl.com/y6l5ak6t
entrepreneur.com Illness or injury can be disastrous, especially for those living paycheck to paycheck.
A new Transamerica survey says most retirees are happy, even with financial uncertainties. Forbes has more @ https://tinyurl.com/ybf72jay
forbes.com Less than half are confident they have built a nest egg large enough to carry them through retirement while happiness is the general state of mind for 91 percent
Forbes presents 6 good reasons to have an estate plan: http://tinyurl.com/y2wqovpl
forbes.com While you may think that only the ultra-wealthy need an estate plan, anyone—regardless of age, marital status or net worth—can benefit from having a plan in place if the unexpected happens. Here are six reasons why you should have an estate plan at any stage of life.
A Forbes article notes the most common travel insurance claim mistakes: https://tinyurl.com/yb4chsaf
forbes.com It's peak season for travel insurance claims, a time of year when vacationers are sending their reimbursement requests for their year-end holiday getaways. If you're one of the unlucky travelers who are about to file a claim, be careful to not make one of several common travel insurance mistakes.
Why would someone wait until age 70 to claim Social Security? Find out at the Motley Fool: https://tinyurl.com/ybl8yqcc
fool.com Waiting to claim Social Security can help you achieve financial security in retirement.
The Motley Fool pinpoints 3 financial tendencies to avoid in early retirement: https://tinyurl.com/ycf9wl62
fool.com Retirement is not without financial risk -- and most of the setbacks people face when they retire are self-inflicted.
Do parents talk about money differently to their sons and daughters? Fast Company makes that assertion: https://tinyurl.com/y99udmlp
fastcompany.com Girls are taught to save their money, while boys are taught how to build their wealth.
A Forbes piece explains why women prepare for retirement differently than men: https://tinyurl.com/yc8s5zpr
forbes.com The moral of this report is that women's lives play out differently than men's, and that affects our financial wellness in big ways.
Do you want to retire early? If you do, read this Motley Fool piece which notes 3 key issues to keep in mind. https://tinyurl.com/yconmjuv
fool.com It's critical to address these issues before you leave work for good.
What 9 bad habits hold investors back? Find out at CNBC: https://tinyurl.com/yaw7jkmd
cnbc.com Everyone wants to succeed and save for a secure retirement, but many of us keep — and even cultivate — bad money habits that will derail our financial future. Here are 9 bad habits to kick now.
The Motley Fool gives you 3 basic ways to estimate how much savings you need for retirement: https://tinyurl.com/ycwnznsp
fool.com Pick one, or try all of them.
Is working past 65 realistic? At Forbes, an economics professor warns that it may not be: https://tinyurl.com/ybmfgaf2
forbes.com When 52% of older workers are pushed out working longer is not their choice. The stark truth is that a significant share of older workers -- age 50-64 -- are not anywhere near being on track to afford retirement.
Wealthy? MarketWatch shows you why it is smart to update your estate plan to take advantage of tax reform: https://tinyurl.com/ycm7lmol
marketwatch.com The hugely increased federal estate and gift tax exemption is indeed a tax cut for the rich, experts say.
Are wealthy women more inclined to donate money and time than wealthy men? MarketWatch looks at a new study: https://tinyurl.com/y7ddk66q
marketwatch.com There’s a reverse gender gap in philanthropy.
Forbes identifies the retirement question that more pre-retirees should ask themselves: https://tinyurl.com/y9ajknqg
forbes.com Thinking about retirement often means financial planning or discussions on where you'll live but pre-retirees miss this major part of life that means so much to their happiness once they aren't working. Learn what is missing in your retirement plan.
Forbes explains how donating IRA assets to charity can be tax-efficient @ https://tinyurl.com/y7z7dewx
forbes.com But, for seniors subject to making Minimum Required Distributions (MRDs) from their IRAs there is a special tax magic they can do. Instead of making a contribution they can’t use as a deduction , they can make their contribution completely disappear from their income. Poof!
What is your net worth? Bankrate shows you how to figure it out: https://www.bankrate.com/banking/savings/how-to-determine-net-worth/
bankrate.com Knowing your net worth can keep you on track for a better financial future.
If you earn more than $120k, CNBC explains why you should pay particular attention during open enrollment: https://tinyurl.com/yd8ffsgs
cnbc.com Highly compensated workers may find open enrollment requires extra planning to navigate. HCE status closes doors to some benefits but opens others.
A reminder from the Motley Fool: October 15 is the tax filing deadline for those who requested extensions. https://tinyurl.com/y8w92znf
fool.com Will you be prepared?
An article @ USA TODAY covers the matter of teens, their summer and after-school jobs, and taxes: https://tinyurl.com/ya3ccnzt
usatoday.com Here are a few tips for ensuring your teen’s summer employment or after-school work doesn’t stick you with a tax-related cleanup job in April.
Consumer Reports asks: Do you have the right type and amount of homeowners insurance for a disaster? https://tinyurl.com/y84l8ssa
consumerreports.org How do you know whether you have the right type and amount of homeowners insurance to protect you from a fire or natural disaster? Consumer Reports explains what you need to know about homeowners insurance after a natural disaster.
Next Avenue spotlights a new website with tips for paying the costs of college: https://tinyurl.com/ybctqq2h
nextavenue.org Personal finance expert Beth Kobliiner's new site for parents and teens
Are you choosing a health insurance plan this fall? Read this Forbes article: https://tinyurl.com/yc6jquom
forbes.com This fall, millions of Americans will face a more common choice of which health insurance plan to choose during their employer’s annual open enrollment period. Let's take a look at some of the questions to consider when making this decision:
Shopping for health coverage in the years just before you are eligible for Medicare? Forbes has some insight @ https://tinyurl.com/ya789l3h
forbes.com In this excerpt from Steve Vernon's book, 'Retirement Game Changers,' the author offers tips for keeping health coverage before getting Medicare.
A new study finds that aggressively lowering blood pressure could fight dementia. More @ USA TODAY: https://tinyurl.com/y8eruo57
usatoday.com A new study found that aggressively lowering blood pressure in people at high risk for heart attacks and stroke also reduced their likelihood of developing mild cognitive impairment, a condition that often leads to dementia.
Is early retirement harmful to men? Forbes looks at an unsettling new study: https://tinyurl.com/ya5punpt
forbes.com Men appear to be dying much more frequently around age 62. Here's why.
An NBC News article shares some ideas for bettering your personal finances next year: https://tinyurl.com/yagmmnjr
nbcnews.com Whether you need to take a hard look at your budget or search for a new place to stash your cash, there are simple things you can do now to set yourself up for a financially successful 2019.
MarketWatch notes the simple non-financial reason why some people pay off credit card bills late: https://tinyurl.com/yaea7bnw
marketwatch.com Recent research suggests it’s not because they don’t have enough money to pay off their cards.
The Business Journals reminds business owners to address succession planning now, not later: https://tinyurl.com/y883fumt
bizjournals.com Joe ran an injection molding company, the largest employer in the rural town where he lived. When he met business transition expert Lisë Stewart, he was 79, and acknowledged that he needed to get to work putting a succession plan in motion.
|Monday||09:00 - 17:00|
|Tuesday||09:00 - 17:00|
|Wednesday||09:00 - 17:00|
|Thursday||09:00 - 17:00|
|Friday||09:00 - 17:00|
Sande Financial Group, a Financial Advisory Practice of Ameriprise Financial Services, Inc.
Alliance Trust Company is an independent trust company in Nevada, which offers unique options for tax savings and asset protection for your estate.
I empower women, families, & business owners to create financial certainty & security, release the unnecessary stress & have the ability to truly live!
Ameriprise Financial Services, Inc.
Our unique adaptive financial planning strategy is desinged to help you reach your goals by planning and accommodating for life changes.
A financial advisory practice of Ameriprise Financial Services, Inc.
We are a financial planning firm located in Reno & Carson City, NV offering wealth management, business & retirement planning, & insurance strategies.
BJ Willson, CFP® In accordance with the US Securities and Exchange Commission rules, a "Like" should not be interpreted as an endorsement of the firm or its advisors.
Cornerstone is an independent, family-owned and family-operated comprehensive wealth management firm delivering fiduciary-based financial guidance.
Financial Advisor at Ameriprise Financial Services, Inc.
I am a Financial Advisor with PlanMember Securities, and I help my clients achieve financial security.
Horizon Retirement Advisors looks forward to meeting you and starting your path to smart financial planning and a comfortable retirement.