by Joe Allaria | Oct 5, 2018 | Article
Q&A with a Mortgage Lender When discussing things like refinancing, home equity loans, new home and 2nd home purchases, there are some common questions that arise. We sat down with Scott Gruber, Senior Mortgage Lender with First Mid Illinois Bank and Trust...
by Joe Allaria | Oct 5, 2018 | Article, Retirement Planning, Tax Planning
Lowering Taxes with QCDs You may have heard that that IRS requires individuals over the age of 70 ½ to begin taking distributions on their tax-deferred retirement accounts, forcing them to pay taxes on a portion of their IRAs, 401(k)s, etc. during their lifetime....
by Joe Allaria | Sep 9, 2018 | Article, Risk Management
How Much Life Insurance Do I Need? I’ve found that most are rarely excited to allocate any portion of their income toward life insurance. However, most understand that life insurance can provide unique benefits for a variety of scenarios. So while it’s not always fun...
by Joe Allaria | Aug 6, 2018 | Article, Estate Planning, Portfolio Management, Retirement Planning, Risk Management, Tax Planning
Why Robots Are Bad Financial Advisors Featured on: In this age of rapidly advancing technology, more and more investors have opted for “DIY” financial planning and robo-advisor investment management platforms. And, with the increasing capabilities of trading...
by Joe Allaria | Aug 6, 2018 | Article, Portfolio Management, Retirement Planning
Should I Accept my Pension Buyout Offer? As employees covered by defined pension plans approach retirement, companies are looking for ways to remove themselves from their obligations by offering pension buyouts. For example, instead of providing the retired employee...
by Joe Allaria | Jul 3, 2018 | Article, Portfolio Management, Retirement Planning
Am I Prepared for Retirement? After years of conversations with those on the verge of retirement, I’ve noticed a trend that seems to be common among those preparing to step into their golden years. The trend is a need for confirmation; confirmation that all the hard...
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