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More Than Money 2022
At CJM, we are More Than Money. See What the CJM Team has been up to this year 🙂
Kevin’s Corner: REITs – Leading the Pack Again
It has been seven years since we emerged from our last recession. The broad stock market indexes have performed extremely well over that time to reclaim their record highs but one sector stands out by leading all other asset classes in returns for five of the past six years and through the first half of 2016 – real estate investment trusts (REITs). Asset Class Returns Source: JPMorgan Asset Management REITs invest in all areas of real estate – apartments, retailers, hotels, healthcare facilities, warehouses, etc – and have benefitted as real estate values and occupancy rates have [...]
Social Security Update
Source: Social Security Administration Starting in August 2016, Social Security is adding a new step to protect your privacy as a my Social Security user. This new requirement is the result of an executive order for federal agencies to provide more secure authentication for their online services. Any agency that provides online access to a customer’s personal information must use multifactor authentication. When you sign in at ssa.gov/myaccount with your username and password, we will ask you to add your text-enabled cell phone number. The purpose of providing your cell phone number is that each time you log in to your account with your username and [...]
Does your state have an estate income tax (or transfer tax)?
As a financial planner I am fortunate to watch my clients live, work, retire (and sometimes) move all over this great country of ours. All this moving around has created a very spread out client base with very different state estate tax rules and regulations. Since a well thought out, written and funded estate plan is central to any client’s long-term financial well being, it is important that clients who recently relocated update their estate planning documents.Since the Federal estate tax exemption is now $5.45 million dollars per person, this means a couple can shelter up to $10.9 [...]
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