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“The Process” for Lawyers – Part II

It’s college football season, which is my favorite time of the year.  When football season rolls around I tend to make everything into a football-based metaphor – even retirement planning.  In my last blog post I wrote about “the process” for lawyers to help build a strong financial future which centered on a couple of […]

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Blog

Change Your Trust Now! – Make it More Simple and MORE EFFECTIVE!

Married couples finally have the opportunity to make their estate planning documents simple, yet more effective!  Two recent developments dramatically changed estate planning: the new, higher estate tax exemption under The Tax Cuts and Jobs Act of 2017 and the portability of the exemption.  Since 2010, estate tax exemptions are now portable between spouses, which […]

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Blog

Working Wealthy – How Much is Enough

I was chatting with a friend over the weekend, and a common theme kept surfacing in our conversation. We covered a lot of ground—history, politics, finances and jobs to name a few. The one idea that kept coming up in our wide-ranging conversation was knowing when enough is enough. I couldn’t help but notice that […]

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Wealth Watch

What Happened to Emerging Markets?

Emerging markets has had a tough year. Since Late January 2018, emerging market equities have shed over 20% in value and are likely the biggest red number in your portfolio. During the nearly two-year period from March 2016 to the end of January 2018, emerging markets returned over 75%. What happened? There are a number […]

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Wealth Watch

Volatility Strikes Again

  Yesterday marked the second straight day of a Dow drop of more than 500 points. And while we have been talking about the return of volatility for quite some time, it still hurts when it actually shows up. So here we are with the S&P 500 having fallen over 7% in the last week. […]

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Blog

Medicare 2018 – Key Enrollment Dates and Important Changes

For those 65 and older, fall not only brings with it apple picking, leaves changing colors and securing travel plans to escape the cold Midwest winters, it is also the time of year for Medicare participants to decide if changes should be made to their health insurance plans. Below, are the key enrollments dates […]

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News

BDF named to 2018 Financial Times 300 Top RIA

Balasa Dinverno Foltz is pleased to announce it has been named to the 2018 edition of the Financial Times 300 Top Registered Investment Advisers. The list recognizes top independent RIA firms from across the U.S. This is the fifth annual FT 300 list, produced independently by the Financial Times in collaboration with Ignites Research, a subsidiary […]

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Blog

The Best States to Retire in From a Tax Perspective

Many factors influence the decision of where to retire.  Family, familiarity of surroundings, climate and cost of living are among the many factors that affect one’s choice of where to spend retirement years.  What about state taxes?  They are often overlooked and just “accepted” as an expense.  However, for those with a keen eye for […]

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Blog

Estate Planning in the New “Normal”

The 2018 Tax Cuts and Jobs Act (TCJA) that went into effect this year includes many tax law changes, most of which are set to expire at the end of 2025. Among them are important changes to Estate Tax laws with the most dramatic being a doubling of each person’s federal estate tax […]

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Blog

Business Buy-Sell Agreements: 3 Areas Need Attention

Buy-sell agreements govern the purchase and sale of business ownership interests when death, disability or other significant events happen.  However, such agreements generally lack in three critical areas. Three areas that cause most concern are valuation, deadlock and retirement.  Most often, owners put together buy-sell agreements that address the easy triggering events, death and disability, […]

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Blog

Working Wealthy – Lend It and Lose It

I was recently speaking with a friend of mine, and she mentioned a straightforward way to deal with family and friends that ask for personal loans:  Don’t lend it unless you want to lose it. Seems a little harsh, right? No, it’s good advice. In fact, at BDF, we often counsel clients on the merits […]

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Blog

Selling Your Business? 3 Critical Actions to Take Now

Business Owners put their head down and go.  Usually, they dedicate no time for extensive business or personal planning.  When the time to sell arrives, owners often move ahead without critical planning that can help boost the value of the business and enhance their overall estate and financial plans.  Spending a little bit of time […]

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