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Q&A

Our answers to common questions.

Can I Lower My Taxes with a Donor-Advised Fund?

Due to the passing of the Tax Cuts and Jobs Act of 2017, the Tax Policy center estimates that the number of households claiming an itemized deduction for their gifts to non-profits will be reduced from 37 million to about 16 million in 2018. The result…

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 (NMLS#466924) to talk about…

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 to add new policies to your financial…

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 with…

Did I Prepare Well Enough 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 work, discipline, and saving...

Why Did My Investment Strategy Not Work?

If you’ve been an investor for a while, you’ve probably experienced times where your investment strategy didn’t seem to work like you thought it would. But, what you may not understand is why exactly did it not work? Maybe your strategy didn’t perform as well as the...

Q&A: Should Aging Parents & Adult Children Co-Own Assets?

Taking care of aging parents can be unfamiliar territory for anyone who is put to the task. However, it is something that many in their 50s and 60s are dealing with today. And, part of navigating that unfamiliar territory is trying to find a way to more easily…

Q&A: It’s Tax Season. What Do I Need to Know?

Tax season can be a busy and confusing time of year. With the Tax Cuts and Jobs Act of 2017 being signed into law in late 2017, this year’s tax season is perhaps even more confusing than usual. To help, we have listed 9 things that you’ll want to know about this tax...

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