articles

How Medigap Choices Are Changing

November 13, 2019 Articles

How Medigap Choices Are Changing Plan F is fading away, and Plan G may gain more popularity.   Provided by Nisivoccia Wealth Advisors, LLC.   Soon, two types of Medigap policies will no longer be sold. Seniors who enroll in Medicare in 2020 or later will be unable to buy…

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Rebalancing Your Portfolio

November 13, 2019 Articles

Rebalancing Your Portfolio Should investors make regular adjustments?   Provided by Nisivoccia Wealth Advisors, LLC.   Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counterintuitive, but it may be possible to have…

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Overlooked Tax Deductions for Small-Business Owners

November 13, 2019 Articles

Overlooked Tax Deductions for Small-Business Owners Helpful tips for tax time.   Provided by Nisivoccia Wealth Advisors, LLC.   Being a small-business owner isn’t easy. After all, balancing payroll, managing employees, drawing up marketing plans, and handling the bookkeeping can be stressful! Luckily, the Internal Revenue Service (I.R.S.) allows small-business…

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Insurance Needs for Empty Nesters and Retirees

November 13, 2019 Articles

Insurance Needs for Empty Nesters and Retirees Thinking about coverage as you enter a new phase.   Provided by Nisivoccia Wealth Advisors, LLC.   With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at…

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Nisivoccia Wealth Advisors LLC Welcomes Trusted Global Advisors LLC

November 11, 2019 Articles

Nisivoccia Wealth Advisors LLC is pleased to announce the planned merger of their business operations with Trusted Global Advisors LLC to offer client-centered tax-optimized financial strategies throughout the Greater New York area. Joining the Nisivoccia Wealth Advisors LLC team are: Berge Avedisian, Partner of Trusted Global Advisors Mary Anne Bohlinger,…

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4 Tips for Taking Out a Student Loan

August 26, 2019 Articles

Given the high cost of college, getting a loan can be the deciding factor in whether a student can attend school and where he or she will go. In fact, a majority of college students graduate with at least some student loan debt, and the average debt in 2017 was…

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Repaying Student Loans: What You Need to Know

August 26, 2019 Articles

Many students are happy to sign the loan documents that will enable them to get a college education, but when it comes time to pay off that loan, they may find themselves with a lot of questions. Here are a few ways to get a better handle on the repayment…

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College Costs (And How To Lower Them)

July 15, 2019 Articles

College tuition can be very expensive, but when you’re budgeting for higher education don’t forget to include the many other costs you’ll be facing. Here’s a rundown of some of the most significant expenses to keep in mind:     Tuition. Costs for public state schools are generally lower than for private ones, even if you go to…

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Saving for College

July 15, 2019 Articles

Putting away enough money to pay for college costs can seem daunting, but there are several ways to do it, each with its own advantages.       529 Plans  There are two kinds of 529 plans, which are named after a section of the U.S. Tax Code:  With a 529 prepaid tuition plan, your contributions essentially buy tuition credits that…

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Ways to Ease the Cost of College

July 1, 2019 Articles

A look at grants, scholarships, 529 plans, and other methods.   Provided by Nisivoccia Wealth Advisors LLC      How much could a college education cost in the 2030s? You may want to take a deep breath and sit down before reading the next paragraph. A MassMutual analysis projects that…

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The Financial Realities of Longevity

June 17, 2019 Articles

Your financial future is up to you and no one else.   Provided by Nisivoccia Wealth Advisors LLC   What will be your future? You know that solid retirement strategy takes your time horizon, an often unpredictable factor, into consideration. Your thinking must include an awareness of how long you…

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Money Tips for Newlyweds

June 17, 2019 Articles

Ideas to Help Manage Stress.   Provided by Nisivoccia Wealth Advisors LLC   In a recent study, 35% of married couples described money issues as their primary source of stress. While there are many potential causes of such financial stress, in some cases the root may begin with habits formed…

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Preparing to Sell Your Business

June 13, 2019 Articles

What is your exit strategy?   Provided by Nisivoccia Wealth Advisors LLC   Your company is ripe for sale. Now what? These days, your children or employees may not necessarily want to take over your business, but you still want to sell your business. So, what’s a successful entrepreneur to…

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Key Questions for the Long-Term Investor

May 14, 2019 Articles

Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know…

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Signs of Elder Abuse

May 14, 2019 Articles

Physical, mental, and financial warning signals. Provided by Nisivoccia Wealth Advisors LLC   Is someone taking advantage of someone you love? June 15 is World Elder Abuse Prevention Day, a day to call attention to a crisis that may become even more common as baby boomers enter the “third acts”…

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Taking Charge of your Financial Life

May 7, 2019 Articles

Delegating responsibilities to others may lead to problems down the road. Provided by Nisivoccia Wealth Advisors LLC When you are putting together a household, it isn’t unusual to delegate responsibilities. One spouse or partner may take on the laundry, while another takes on the shopping. You might also decide which…

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Filtering the Noise: A Defense of the Advisory Role

April 15, 2019 Articles

Joan Alexandre, Investment Analyst II December 13, 2017   In the not-too-distant past, there existed the concept of a “slow news day.” Newspapers were the primary mechanism by which people gathered information on current events, only to be topped off with that evening’s local or national broadcast. On Sunday, June 1,…

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Investing in Agreement with Your Beliefs

April 8, 2019 Articles

The case for aligning your portfolio with your outlook & worldview.    Provided by Nisivoccia Wealth Advisors LLC   Do your investment choices reflect your outlook? Are they in agreement with your values? These questions may seem rather deep when it comes to deciding what to buy or sell, but…

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Earnings for All Seasons

March 26, 2019 Articles

What is it and why is it important? Provided by Nisivoccia Wealth Advisors LLC While nature offers four seasons, Wall Street offers only one – four times a year. It’s called “earnings season,” and it can move the markets. So, what is earnings season, and why is it important? Earnings…

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Diversification, Patience and Consistency: Three important factors when it comes to your financial life

March 11, 2019 Articles

Provided by Nisivoccia Wealth Advisors LLC Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear OR bull market, certain asset classes…

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To Catch a Thief

March 6, 2019 Articles

Having your identity stolen may be costly. Provided by Nisivoccia Wealth Advisors LLC Many Americans have taken steps in recent years to protect their personal information, but savvy cybercrooks have overcome some of those defenses. A 2018 Javelin Research report found identity theft hit an all-time high in 2017, affecting…

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Is America Prepared to Retire?

February 25, 2019 Articles

A look at some ways to get ready. Provided by Nisivoccia Wealth Advisors LLC Are Americans saving enough? Only 19% of U.S. adults describe themselves as “very confident” when asked about their savings. Worry spots include retiring without enough money saved (16%) and anxiety about having a “rainy day” emergency…

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Social Security by the Numbers

February 25, 2019 Articles

Facts about the federal Old-Age, Survivors, and Disability Insurance (OASDI) program. Provided by Nisivoccia Wealth Advisors LLC Social Security has been a pillar of retirement life for several decades, but how much do you really know about it? Here are some facts that might surprise you: The Social Security trust…

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The A, B, C, & D of Medicare

February 12, 2019 Articles

Breaking down the basics & what each part covers. Provided by Nisivoccia Wealth Advisors LLC Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover and where they come from. Parts A & B: Original Medicare. There are…

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A Recipe for Achieving Your Goals

February 12, 2019 Articles

Does thinking about investing leave a bad taste in your mouth? With all the jargon that gets tossed around — headwinds/tailwinds; beta versus smart beta; portfolio under- and over-weightings; Brexit, Grexit and even Texit — investors are often left feeling like they have egg on their face when they try…

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Staying the Course in the Face of Uncertainty

January 29, 2019 Articles

When fear and uncertainty find their way into headlines, investors should ignore the herd and “stay the course.” While there is no magic formula for handicapping a stock market correction, it is not uncommon for resoundingly jubilant investor sentiment to precede a sudden spate of selling. Building on a record…

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Why Do You Need a Will?

January 21, 2019 Articles

It may not sound enticing, but creating a will puts power in your hands.   Provided by Nisivoccia Wealth Advisors LLC   According to the global analytics firm Gallup, only about 44% of Americans have created a will. This finding may not surprise you. After all, no one wants to…

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Financial Steps to Take Before a Divorce

January 21, 2019 Articles

Wise moves to make before things are finalized.    Provided by Nisivoccia Wealth Advisors LLC   Before your divorce goes through, it would be wise to check up on financial matters. It would be better to assess the state of your financial life before the split rather than after.  …

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Riding Out the Storm Means Planning For It Ahead of Time

January 2, 2019 Articles

As severe weather across the U.S. continues to wreak havoc on Americans’ travel plans, we can’t help but think about how the markets have been stormy as well. With both travel and market movement, we know volatility can occur, but we do not know when. Planning ahead gives you an…

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Managing Volatility through Diversification

January 2, 2019 Articles

It’s impossible to time the market perfectly or completely avoid market fluctuations, and every year, there is significant rotation on which of the asset classes at right perform well or poorly. So how can long-term investors not only endure market fluctuations but plan for them in their journey to achieve…

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A Strong Economy or Looming Recession?

December 10, 2018 Articles

Investment Management Research Group (IMRG) of 1st Global December 6, 2018 Impending signs of “doom” lurking around the corner sent U.S. stock markets into a tailspin this week, falling roughly 4 percent at their lowest intra-day point. Volatility and downward pressure has been a relatively consistent theme for the Dow…

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Tax Considerations for Retirees: Are you Aware of Them?

December 3, 2018 Articles

Provided by Nisivoccia Wealth Advisors LLC      The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive.         If you are 65 or older, your standard deduction is $1,300 larger. Make that $1,600 if you are unmarried.…

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Searching for Health Coverage in the Years Before Medicare

November 12, 2018 Articles

What are your options for insuring yourself prior to age 65?   Provided by Nisivoccia Wealth Advisors LLC      If you retire before age 65, you must be prepared to address two insurance issues. One, finding health coverage in the period before you can sign up for Medicare. Two,…

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No, That Is Not the I.R.S. Calling

November 9, 2018 Articles

Watch out for crooks impersonating I.R.S. agents (and financial industry professionals).   Provided by Nisivoccia Wealth Advisors LLC     Do you know how the Internal Revenue Service contacts taxpayers to resolve a problem? The first step is almost always to send a letter through the U.S. Postal Service to the…

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End-of-the-Year Money Moves

November 7, 2018 Articles

Here are some things you might want to do before saying goodbye to 2018.    Provided by Nisivoccia Wealth Advisors LLC                         What has changed for you in 2018? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If…

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Retirees, Check Your Withholding

October 10, 2018 Articles

It may need to be adjusted due to the 2017 federal tax reforms.   Provided by Nisivoccia Wealth Advisors LLC   The Internal Revenue Service has a message for you. You may need to adjust the amount withheld from your paycheck or the size of your estimated tax payments because…

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Filling Out the FAFSA

October 8, 2018 Articles

There is really no reason to wait.   Provided by Nisivoccia Wealth Advisors LLC      October is here – the ideal time for college students to apply for financial aid. October 1, in fact, marks the first day a current or future college student can submit a Free Application…

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Smart Financial & Insurance Moves for New Parents

October 1, 2018 Articles

As you start a family, consider these ideas.     Provided by Nisivoccia Wealth Advisors LLC   Being a parent means being responsible to a degree you never have been before. That elevated responsibility also impacts your financial decisions. You are now a provider and a protector, and that reality…

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Is Now the Right Time to Go Roth?

September 21, 2018 Articles

Some say yes, pointing to the recent federal tax reforms.   Provided by Nisivoccia Wealth Advisors LLC   Will federal income tax rates ever be lower than they are right now? Given the outlook for Social Security and Medicare, it is hard to imagine them falling much further. Higher federal…

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5 Retirement Concerns Too Often Overlooked

September 19, 2018 Articles

Baby boomers entering their “second acts” should think about these matters.   Provided by Nisivoccia Wealth Advisors LLC   Retirement is undeniably a major life and financial transition. Even so, baby boomers can run the risk of growing nonchalant about some of the financial challenges that retirement poses, for not…

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Getting Your Personal Finances in Shape for 2019

September 17, 2018 Articles

Fall is a good time to assess where you stand and where you could be.   Provided by Nisivoccia Wealth Advisors LLC You need not wait for 2019 to plan improvements to your finances. You can begin now. The last few months of 2018 give you a prime time to…

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Financial Considerations When Buying a Car

August 31, 2018 Articles

Things to think about before heading to a dealership.   Provided by Nisivoccia Wealth Advisors LLC   Time to buy a car? Short of buying a house, this is one on the most important purchases you will make. It’s also one that you might be making several times through your…

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Build Your Rainy Day Fund

August 29, 2018 Articles

Like an emergency fund, it can come in handy.   Provided by Nisivoccia Wealth Advisors LLC   Sometimes, life gets expensive. A little bad luck or a twist of fate can hit us right in the checkbook and challenge us to live within our budget.   An emergency fund may…

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Tax Moves to Consider in Summer

August 27, 2018 Articles

Now is a good time to think about a few financial matters.   Provided by Nisivoccia Wealth Advisors LLC   Making changes earlier rather than later. If you own a business, earn a good deal of investment income, are recently married or divorced, or have a Flexible Savings Account (FSA),…

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Top 10 Ways to Avoid Becoming Phishing Bait

August 8, 2018 Articles

Greg Wilson, Head of Information Security, 1st Global Research & Consulting July 24, 2018   A common, growing problem in the technology world is phishing, which is a tactic used by cybercriminals to try to obtain financial or other confidential information from unsuspecting individuals. This is typically done through email messages…

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Save & Invest Even if Money Is Tight

August 6, 2018 Articles

For millennials, today is the right time.   Provided by Nisivoccia Wealth Advisors LLC   If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential…

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Keep Your Life Insurance When You Retire

August 3, 2018 Articles

Some good reasons to retain it.   Provided by Nisivoccia Wealth Advisors LLC   Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against the loss of a breadwinner has passed.  …

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Financial Fraudsters Preying on Boomers & Elders

August 1, 2018 Articles

If something sounds too good to be true, it probably is.   Provided by Nisivoccia Wealth Advisors LLC     If you are in or near retirement, it is a safe bet that you would like more yield from your investments rather than less. That truth sometimes leads liars, scammers,…

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How Your Credit May Affect Your Life Insurance Premiums

July 30, 2018 Articles

You may be surprised to learn about the potential relationship.   Provided by Nisivoccia Wealth Advisors LLC   Does your credit history partly determine the cost of your life insurance? It may. The potential for such a relationship may surprise you – and the relationship is not without controversy.  …

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Social Engineering Attack Methods

July 20, 2018 Articles

  While computer system breaches are often done through means of technology, there are certain methods hackers can use to take advantage of unsuspecting individuals that are less technical — especially social engineering.   Social engineering uses direct human interaction, whereby hackers fool others in order to gain access to…

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Ways to Repair Your Credit Score

July 18, 2018 Articles

Steps to get your credit rating back toward 720.     Provided by Nisivoccia Wealth Advisors LLC                         We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can…

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Financial Elder Abuse: Perception vs. Reality

July 16, 2018 Articles

Someday, you or your parents could be at risk.   Provided by Nisivoccia Wealth Advisors LLC   You may know victims of financial elder abuse. According to a new Wells Fargo Elder Needs Survey, almost half of Americans do.1    As you read or hear stories about seniors being financially…

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Coping with College Loans

July 13, 2018 Articles

Paying them down and managing their financial impact.   Provided by Nisivoccia Wealth Advisors LLC   Is student loan debt weighing on the economy? Probably. Total student loan debt in America is now around $1.5 trillion, having tripled since 2008. The average indebted college graduate leaves campus owing nearly $40,000,…

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The Case for Women Working Past 65

July 11, 2018 Articles

Why striving to stay in the workforce a little longer may make financial sense.   Provided by Nisivoccia Wealth Advisors LLC      The median retirement age for an American woman is 62. The Federal Reserve says so in its most recent Survey of Household Economics and Decisionmaking (2017). Sixty-two,…

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Little-Known Homeowners Insurance Facts

July 9, 2018 Articles

You may be surprised to learn what is and is not covered.   Provided by Nisivoccia Wealth Advisors LLC    If you have a homeowners insurance policy, you should be aware of what the insurance does and does not cover. These policies have their limitations as well as their underrecognized…

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Who Is Your Trusted Contact?

July 6, 2018 Articles

This vital investment account question should be answered sooner rather than later.   Provided by Nisivoccia Wealth Advisors LLC    Investment firms have a new client service requirement. They must now ask you if you want to provide the name and information of a trusted contact.1   You do not…

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Why Do People Put Off Saving for Retirement?

July 4, 2018 Articles

A lack of money is but one answer.   Provided by Nisivoccia Wealth Advisors LLC     Common wisdom says that you should start saving for retirement as soon as you can. Why do some people wait decades to begin?   Nearly everyone can save something. Even small cash savings…

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What People Overlook When Shopping for Life Insurance

July 2, 2018 Articles

A few realities that must be acknowledged.   Provided by Nisivoccia Wealth Advisors LLC    Shopping for life insurance means paying attention to detail. In scrutinizing these details, however, some fundamental, big-picture truths may be ignored.     If you want to renew or upgrade coverage later in life, the…

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Beware of Lifestyle Creep

June 22, 2018 Articles

Sometimes more money can mean more problems.   Provided by Nisivoccia Wealth Advisors LLC   “Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend.    Frequently, the newly affluent are the most susceptible. As people establish themselves…

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Wealth Management with Memory Disorders

June 20, 2018 Articles

What steps can a family take?   Provided by Nisivoccia Wealth Advisors LLC   Besides impacting lives and relationships, dementia can also impact family finances. It may call for another family member to assume money management responsibilities for a parent, grandparent, or sibling. It may increase the risk of financial…

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Should Couples Combine Their Finances?

June 18, 2018 Articles

To consolidate or not: that is the question.   Provided by Nisivoccia Wealth Advisors LLC   Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household?   The first question is: how do you and your partner view…

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Watch for These Insurance Blind Spots

June 15, 2018 Articles

There are incidents that standard policies may not cover.   Provided by Nisivoccia Wealth Advisors LLC    No insurance policy will protect you from everything. Even the most comprehensive umbrella liability policy has its shortcomings. A good auto, homeowner, or renter policy will insure you against what the carrier believes…

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Using a Roth IRA as a College Savings Tool

May 18, 2018 Articles

A tax-advantaged option too many families overlook.   Provided by Nisivoccia Wealth Advisors LLC   At first glance, a Roth IRA might seem an unusual college savings vehicle. Upon further examination, it may look like a particularly smart choice.    A Roth IRA allows you to save for college without…

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Adjusting Your Portfolio as You Age

May 16, 2018 Articles

As you approach retirement, it may be time to pay more attention to investment risk.   Provided by Nisivoccia Wealth Advisors LLC   If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return.…

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The Different Types of IRAs

May 14, 2018 Articles

This popular retirement savings vehicle comes in several varieties.   Provided by Nisivoccia Wealth Advisors LLC   What don’t you know? Many Americans know about Roth and traditional IRAs, but there are other types of Individual Retirement Arrangements. Here’s a quick look at all the different types of IRAs:  …

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Will Teachers Get the Retirement That They Deserve?

May 11, 2018 Articles

Classroom educators are coping with hybrid plans and pension fund shortfalls.   Provided by Nisivoccia Wealth Advisors LLC   Arizona. Kentucky. Massachusetts. Michigan. Pennsylvania. Rhode Island. Tennessee. In these states and others, teachers are concerned about their financial futures. The retirement programs they were counting on have either restructured or…

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Retirement Planning Weak Spots

May 9, 2018 Articles

They are all too common.   Provided by Nisivoccia Wealth Advisors LLC   Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed.   Couples should recognize that they may face major medical expenses.…

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Avoid These Life Insurance Missteps

April 25, 2018 Articles

Shop wisely when you look for coverage. Provided by Nisivoccia Wealth Advisors LLC   Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help you avoid some of these all-too-common missteps.    Buying the first policy you see.…

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Financing a College Education

April 23, 2018 Articles

A primer for parents and grandparents. Provided by Nisivoccia Wealth Advisors LLC   A university education can often require financing and assuming debt. If your student fills out the Free Application for Federal Student Aid (FAFSA) and does not qualify for a Pell Grant or other kinds of help, and…

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A Retirement Gender Gap

April 6, 2018 Articles

Why a middle-class woman may end up less ready to retire than a middle-class man.   Provided by Nisivoccia Wealth Advisors LLC   What is the retirement outlook for the average fifty-something working woman? As a generalization, less sunny than that of a man in her age group.    Most…

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Did You Receive a Corrected Form 1098?

April 4, 2018 Articles

You might get to deduct the mortgage interest premiums you paid in 2017 after all.   Provided by Nisivoccia Wealth Advisors LLC   Recently, you may have received a corrected Internal Revenue Service Form 1098 from your mortgage lender. The correction probably spells good news for you.   When the…

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What Should You Keep?

April 2, 2018 Articles

Even with less itemizing, there are still tax documents you want to retain for years to come.   Provided by Nisivoccia Wealth Advisors LLC   Fewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts,…

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How Retirement Spending Changes With Time

March 30, 2018 Articles

Once away from work, your cost of living may rise before it falls.   Provided by Nisivoccia Wealth Advisors LLC   New retirees sometimes wory tha they are spending too much, too soon. Should they scale back? Are they at risk of outliving their money?     This concern is legitimate.…

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Catching Up on Retirement Saving

March 28, 2018 Articles

If you are starting at or near 50, consider these ideas.   Provided by Nisivoccia Wealth Advisors LLC   Do you fear you are saving for retirement too late? Plan to address that anxiety with some positive financial moves. If you have little saved for retirement at age 50 (or…

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Why Regular Rebalancing Makes Sense

February 13, 2018 Articles

Your investment portfolio may be off-kilter, and you may not even know it.   Provided by Nisivoccia Wealth Advisors LLC   Is 80% of your portfolio held in equities? Perhaps it is without you realizing it. You could invite this risk, and others, if you go too long without rebalancing…

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Staying the Course in the Face of Uncertainty

February 8, 2018 Articles

By the Investment Management Research Group of 1st Global   February 2018   When fear and uncertainty find their way into headlines, investors should ignore the herd and “stay the course.”   While there is no magic formula for handicapping a stock market correction, it is not uncommon for resoundingly…

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How the Tax Reforms Will Take Effect

February 5, 2018 Articles

Some of the impact of the Tax Cuts & Jobs Act will be felt later than January 1.   Provided by Nisivoccia Wealth Advisors LLC   President Donald Trump signed the Tax Cuts & Jobs Act into law on December 22, and on January 1, some key details of the…

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A Look at HSAs: Health Savings Accounts May Provide you with Remarkable Tax Advantages

February 1, 2018 Articles

Provided by Nisivoccia Wealth Advisors LLC   Why do higher-income households inquire about Health Savings Accounts? They have heard about what an HSA can potentially offer them: a pool of tax-exempt dollars for health care, a path to tax savings, even a possible source of retirement income after age 65.…

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The Major Retirement Planning Mistakes

January 29, 2018 Articles

Why are they made again and again?   Provided by Nisivoccia Wealth Advisors LLC   Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, there are also some classic financial missteps that plague retirees.      Calling them “mistakes”…

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Should We Reconsider What “Retirement” Means?

December 26, 2017 Articles

The notion that we separate from work in our sixties may have to go.   Provided by Nisivoccia Wealth Advisors LLC   An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A…

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Why Life Insurance Will Always Matter in Estate Planning

December 20, 2017 Articles

With or without the estate tax, it addresses several key priorities.   Provided by Nisivoccia Wealth Advisors LLC   Every few years, predictions emerge that the estate tax will sunset. Even if it does, that will not remove the need for life insurance in estate planning. Why? The reasons are…

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Year-End Charitable Gifting

December 18, 2017 Articles

What should you keep in mind as you donate?   Provided by Nisivoccia Wealth Advisors LLC   Are you making charitable donations this holiday season? If so, you should know about some of the financial “fine print” involved, as the right moves could potentially bring more of a benefit to…

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Refrain from Tapping Your Retirement Funds

November 7, 2017 Articles

Resist the temptation. Your future self will thank you.   Provided by Nisivoccia Wealth Advisors LLC   Retirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the money is later restored. …

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Damien Paumi Named to 2017 Financial Times 401 Top Retirement Plan Advisers

September 27, 2017 Articles

September 27, 2017 – Damien Paumi is pleased to announce that he has been named to the 2017 edition of the Financial Times 401 Top Retirement Plan Advisers. The list awards and recognizes the top financial advisers with specialization in serving defined contribution (DC) retirement plans.   Applicants of the award…

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Investing in Your Beliefs

June 27, 2017 Articles

Is your investment strategy as socially and environmentally conscious as you are?   Provided by Nisivoccia Wealth Advisors LLC   It’s not uncommon – Many a well-educated, socially conscious, environmentally friendly investor winds up buying shares of companies whose beliefs and business practices are far removed from their own. Why?…

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