Browsing: Financial Planning

It’s Almost Too Late…

It’s Almost Too Late…

It’s almost too late to cut what may be your biggest expense for 2019 (and it’s not your Christmas budget). For most of our clients, income taxes are their largest expense and with the calendar year ending in a couple weeks, so too will the opportunity to save on your 2019 tax bill. At Vintage,… read more

Five Big Financial Setbacks

Vintage will be 35 years old in early January and over the years we’ve seen a lot of big blunders people make with their finances. Some are a single bad transaction while others are minor ongoing and often overlooked areas that can significantly impact your standard of living in retirement. Here are five setbacks you’ll… read more

Don’t Be Martha

At Vintage we aren’t licensed life insurance agents but we still sometimes get e-mails targeted to the commission based agents. This one pitches the fat commissions available for taking advantage of poor Martha, a 66-year-old woman with an extra $90,000 in the bank. It suggests that the agent can pitch Martha on turning her $90,000… read more

Wall Street Wins, Investors Lose

Earlier this month the SEC approved new, long awaited regulations on investment advisors and brokers and how they work with their clients. While there has been a major push by investors and many investment advisors for a fiduciary standard for all advisors, the new SEC rules further confuse the differences between salespersons and fiduciary advisors…. read more

Beneficiary Mistakes to Avoid

Taking time to review your account beneficiaries can do more than just make sure your wishes are met, it can also save your loved ones a significant amount of hassle or surprise when you pass. While all these decisions should be discussed with an estate planning attorney, here are some common issues we’ve helped our… read more

Upcoming Tax Changes

Today is the deadline to file and pay your 2018 income taxes, but it’s not too early to start looking at 2019 tax planning and potential changes for 2020 and beyond. Both Congress and the IRS have changes in mind. The House Ways and Means Committee recently passed the SECURE act that would make a… read more

Tax Refund or Tax Cut?

We’ve often heard frustrated people exclaim, “I had to pay taxes this year” when faced with writing a check to the IRS in April. The fact is, unless they’re very low income, most people pay taxes every year, mainly through the withholding from their paychecks, pensions or Social Security. With the dramatic change in the… read more

Are You a Buncher?

As the holidays roll around many people do their annual charitable giving.  And these gifts usually come from the heart.  But there’s also the tax deduction.  Unfortunately, this year many taxpayers may find that their charitable donations won’t be deductible, though they may not learn that until their tax return gets filed in a few… read more