As part of the recently passed Consolidated Appropriations Act of 2023, (commonly referred to as SECURE Act 2.0), retirees have an exciting, new opportunity: to make a donation to a qualified 501(c)(3) organization directly from their IRA (referred to as a Qualified Charitable Distribution or QCD) while also establishing a Charitable Gift Annuity (CGA) which will pay…
Question: The possibility of a recession and the potential debt ceiling crisis really has me worried. Should I make a change to my portfolio? Answer: We understand you might be worried about what you’re seeing in the news and conversations you’re having with friends. If you are concerned, we hope you find solace in the fact that…
Read our Spring 2023 edition of our newsletter, Retirement in Focus.
With all of the recent news regarding the banking system, we thought you may find it helpful to review the following common questions about what has transpired and things to consider moving forward. What happened? It started with Silicon Valley Bank (SVB). Due to historically low interest rates (until last year), SVB previously made a decision to…
Download 2022 Q4 Market Review We all know the markets spent 2022 in a slump with US stocks down about 20% and US bonds down 13%. The driving factor of losses in both stocks and bonds was high inflation, multiple Fed rate hikes, as well as geopolitical turmoil. During times like these, the good news often goes…
A major piece of legislation, referred to as SECURE Act 2.0, is set to become law in 2023. This lengthy piece of legislation (over 4,000 pages) includes a number of retirement provisions that improve upon current law and are worth noting. Below are the most important items and changes to be aware of for retirees and those…
As we’re wrapping up 2022, it’s a great time to review your financial and tax strategies to ensure you’re being efficient with your resources and taking advantage of any rule changes in the new year. For our clients at Stone Pine, these are some of the things we review and consider on your behalf. 1. Retirement contributions …
As we present you with the third quarter market review we’d like to draw your attention to two items in this report: As always, The Impact of Diversification slide gives us a long term perspective which is all the more important to see during a downturn in the market. We also included an article at the end…
Read our Fall 2022 edition of our newsletter, Retirement in Focus.
As experts in retirement planning, we are constantly engaged in conversations about the dollars and cents surrounding retirement, helping our clients to answer questions such as: Will I have enough money to retire? What’s the most tax efficient way to take retirement income from my portfolio? What do I do when we experience a market downturn during…