The following white papers were developed by the Fragasso team to explain or provide valuable information about investment topics and ideas. We will periodically add new white papers for your use so please check back.
New Years Resolutions
A New Year’s resolution is a commitment that an individual makes to a project or to reforming a habit. These changes can be pretty daunting and somewhat negative. Reform my habits and change my lifestyle!? The magnitude of that gives grave pause before embarking on that course of action. It’s no surprise that we don’t typically react well to negatively-oriented, major changes in our lives Download our whitepaper that discusses replacing your resolutions with goals that put you in possession of the life that you want!
The One Conversation You Need To Have with Your Parents Now
For the first part of our lives, our parents are caregivers, then advice-givers and then sometime around mid-life, the tables often start to turn. They start asking their adult children for advice or help with things they don’t understand or can’t do anymore for themselves.
As this transition occurs, often the adult children wonder what will happen when their parents can no longer care for themselves. What if they need full-time care? Do they have adequate savings to pay for care and, if not, what are the alternatives?
Read our free whitepaper that may assist you in guiding this conversation with loved ones.
3 Considerations that May Reduce Your Portfolio Income Tax Footprint
Is your investment portfolio creating a burden for you at tax time? If the answer is yes, it may be time to consider different strategies to help reduce your portfolio taxes. The spectrum of investments is vast and certain types of investments are more tax efficient than others. A simple shift in your investment strategy may help to reduce your portfolio taxes.
Download now to read three considerations to evaluate with your tax professional, to help make your portfolio more tax efficient!
The Client Experience
The term “The Client Experience” is a trendy phrase. You hear this phrase in all industries, such as coffee shops, car dealerships, tech companies and financial planning companies. This term conjures up thoughts of being in the moment or self indulgent experiences, like a spa visit. In fact, the definition of “experience” is an event or occurrence that leaves an impression on someone.
Understanding the Family Benefits of Social Security
Social Security is typically thought of as a supplemental retirement income stream. It can be much more than that in times of critical need. A family facing challenges such as death of a spouse, disability, divorce, or dependent children/parents, should be aware of the benefits to which they are entitled too to help them alleviate the financial pressure they may be under.
School is in Session: an education planning whitepaper
School is back in session! No matter what age your child may be, it is never too early to start planning for their future.
The Direction of the Investment Industry: Where will you fit?
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The investment industry has changed substantially over the last 40 plus years and much more so than the 200 years of its existence preceding that.
What course will the investment world chart in the future and what will that mean to you?
Can You Afford to Retire? 6 Steps to Create Your Retirement Strategy
How will you retire? The cost of our needs and interests inflate as we age. There are many factors to consider such as medical/personal care, housing, family care and leisure.
Read our 6 steps to creating your retirement strategy!
Saving and Investing for Your Family’s Future
This whitepaper includes two important family topics:
Financial Implications that Affect the Sandwich Generation
The No. 1 Rule of Teaching Kids About Saving: Start Early
The Cost of Retirement
Thinking about retirement is often difficult. It is hard to be concerned about what will happen 20 to 30 years in the future, while you are stretching your resources to meet your needs today. It is however, critical to think about how you will support yourself (and your spouse) during retirement.
Retirement Success E-Book
Download the FREE e-book! Fragasso Retirement Plan Advisors focus exclusively on employer-sponsored retirement plans. We deliver comprehensive plan objectives.
As a fiduciary consultant, the guidance that we provide to plan participants and sponsors takes a complex world and it makes it easy to understand.
Download the FREE five part series.
Add to Your Portfolio’s Return by Being Tax Wise
A dollar that you do not unnecessarily pay in taxes today remains available to generate more dollars throughout your lifetime if handled properly. Creating those additional funds to add to your future financial security does not require a master’s degree in taxation, though you will want to seek guidance from knowledgeable professionals so that you will properly create tax savings. But you can seek those opportunities to harvest money for yourself that otherwise would have gone for taxes by being aware of tactics to employ and opportunities to seize. Here are some of them.
Preparing for Emergencies
It is often said that there is no excuse for being ill prepared. If you or a family member encountered a sudden situation that posed immediate risk, would you be ready and able to take the appropriate course of action? It is vital to have a comprehensive list of information for you and your family available in the event that an emergency situation arises. This data will provide the critical details to any first responder so that an informed decision can be made to contact the proper parties. The emergency data should contain information on who to contact in the event of medical, household and financial emergencies. Since this list may contain personal and financial information, it should be kept in a safe and secure location that you, your family and those you trust can locate in a time of need. Taking time to ensure that up to date resources are available for unforeseen situations is imperative. Your financial advisor can help provide guidance on items that should be considered. Having this emergency list in place will give you and your loved ones peace of mind knowing that you have information on file for unexpected situations.
Five Tips to Help You Set and Achieve Your Financial Goals
They may be as unique as a Pittsburgh snowflake in January, but I have yet to encounter a soul who doesn’t have at least one financial objective that they would like to accomplish. The problem is that, most times, achievement of these financial goals can present itself as a daunting and overwhelming task. I assure you that it is not. All it takes is a bit of initiative and proper guidance. The initiative is in your court, but the guidance is something with which a financial advisor can assist. Outlined below are five basic steps that will aid you in your journey. By following all five, you will quickly find that those insurmountable goals are actually quite achievable.
Nonprofits: A Roadmap for Effective Board of Directors Governance
Nonprofits are an integral part of the community, so it’s critical as a board of directors to recognize and address the challenges they face on a regular basis. Such challenges can jeopardize their existence.
This checklist will help boards of directors to more effectively accomplish their mission and goals and ensure it can meet the challenges, including financial, it will face.