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Investors should consider using their tax refund for IRA contributions. Many people make the mistake of spending their IRS refunds on non-essential items but doing so makes things more difficult down the road.

Keeping your assets with multiple organizations can make it difficult for your heirs to manage your estate, and varying administrative requirements, fees, and deadlines can lead to errors and stress for your loved ones.

The new year saw new federal legislation (SECURE ACT 2.0) enacted to make it easier for retirement plan participants to save even more, and to make it easier for plan sponsors to offer plans.

This article focuses on retirement tax strategy optimization, and why it’s important to think about how your different sources of income, such as Social Security, retirement, and other assets, interact.

As 2022 draws to a close and preparations are made for the coming year, we have compiled a list of five strategies that can assist you in maximizing your savings, minimizing your tax burden.

Despite a very difficult economy, investors made a significant global philanthropic impact, donating billions of dollars to charitable causes worldwide. However, as we approach the end of the year, the globe is still fraught with difficulties.

This article reviews some of the ways in which you may optimize your charitable giving and get a head start on preparing your taxes for 2019 in light of the new tax legislation.

Embracing Retirement with Strategic Planning Whether you're on the cusp of retirement or savoring its rewards, a universal goal remains: optimizing your savings while sidestepping unnecessary tax penalties. Navigating the ever-evolving landscape of Required Minimum Distributions (RMDs) and their tax implications is a challenge, but Global Advisers stands ready to guide you through: Mastering [...]

Until 2023, if you’re under age 50, you can contribute up to $6,500 to one or more IRA accounts. If you are 50 or older, the limit is slightly higher ($7,500). *

Breaking into the investing world can be daunting. After all, it’s normal to hesitant when doing something new. But what to do when the market turns upside down?

Understanding the delicate balance between saving and spending can be quite the conundrum, especially for those who have shown commendable discipline in their saving habits over the years. It's an intriguing contradiction—those who excel at saving often grapple with the challenge of spending in their golden years. Our research at Global Advisers, aligned with numerous [...]

The surging U.S. dollar is trading at its highest level in 20 years and equity investors need to proceed with caution.

In recent times, the Federal Reserve's commitment to curbing inflation through a series of interest rate hikes has presented a challenging landscape for the classic balanced portfolio, impacting both stocks and bonds significantly. This unique situation, with rising interest rates expected to persist, prompts a reevaluation of traditional investment strategies. The Forward Path and [...]

Navigating the path to retirement might seem less straightforward without access to a 401(k) plan through your employer, particularly if you're navigating self-employment. Yet, there's a silver lining with a range of flexible savings options available to ensure your golden years are well-funded. Universal Savings Options for Everyone Traditional or Roth IRAs Both Traditional [...]

Incorporating philanthropy into your long-term financial planning is not just a noble endeavor; it also presents an opportunity for tax optimization. By crafting and annually revisiting a structured giving plan, you can achieve your philanthropic objectives more effectively while maximizing tax benefits. Here are five strategies I consistently recommend to my clients for more [...]

Health Care Costs: A Critical Component of Retirement Planning At Global Advisers, we recognize the significance of incorporating expected healthcare expenses into your retirement strategy. Our collaboration with Mercer Health & Benefits has led to a model indicating that, on average, retirees may face healthcare costs exceeding $5,000 annually, even with Medicare coverage. While [...]

As tax season unfolds, the choice between a Roth IRA and a Traditional IRA remains a pivotal decision in retirement planning. Both IRAs offer unique benefits aimed at bolstering your retirement savings, albeit with distinct tax implications and contribution guidelines. Understanding these differences is essential for making an informed decision that aligns with your [...]

For many Americans, Social Security forms a cornerstone of their retirement income. According to the Social Security Administration (SSA), about a third of an average retiree's income stems from Social Security benefits. Despite the common urge to start receiving Social Security benefits as early as possible, a well-considered strategy can significantly enhance the amount [...]

Estate planning is crucial for ensuring your wishes are carried out and your legacy is protected. It involves creating legal documents to manage your assets upon death or incapacitation. While many consider a will to be the extent of estate planning, it can also encompass trusts, beneficiary designations for retirement accounts and life insurance [...]

Many investors are concerned about the possibility of a recession. Typically, with talk of a recession comes the thoughts of withdrawing money from the stock market and placing it elsewhere.

For candidates interested in Asia our recruiters share some valuable insight about interviewing with Global Advisers. How should you prepare for an interview?

Introduction to Roth IRAs A Roth IRA stands as a distinctive individual retirement account, fueled by post-tax income, presenting a pathway to tax-free growth and withdrawals in retirement. This form of IRA offers numerous advantages and considerations, including specific eligibility criteria. For those pondering the initiation of a Roth IRA, here are eight compelling [...]

While many parents neglect the first few years of their child’s financial life, early college savers enjoy a longer period of compounding growth.

Introduction As tax season draws near, it's an opportune moment to revisit some fundamental concepts such as capital gains, the differences between account types, and the strategy of tax loss harvesting. Whether you're a seasoned investor or new to the game, understanding these basics can help you navigate the tax season more effectively. At [...]

Introduction Approaching retirement heralds a time of change, particularly in how you manage your finances. Transitioning from saving to spending your hard-earned funds necessitates a strategic approach to ensure a comfortable and secure retirement. Here at Global Advisers, we're committed to guiding you through understanding the available income sources and strategies that can support [...]

Early Planning: A Head Start on College Savings While your toddler's third birthday might be more about balloons than bank accounts, starting a college fund can set the foundation for a bright academic future. Global Advisers emphasizes that beginning to save for college from an early age can lead to a significantly lower monthly [...]

The term "Social Security benefits" often evokes a spectrum of reactions, from curiosity about its future to concerns regarding its sustainability. At Global Advisers, we encounter many clients pondering the relevance of Social Security in their financial planning. Amidst alarming headlines, it's crucial to discern reality from speculation and understand the vital role Social [...]

In the ever-evolving financial landscape, unexpected inflation emerges as a formidable challenge, particularly for those nearing retirement or already embarking on it. Recent inquiries have led to a crucial examination: Which assets withstand the unpredictable tide of inflation? A deep dive into this question by our team at Global Advisers highlights commodities as a [...]

In recent times, the conversation around shifting from a traditional IRA to a Roth IRA has become a prominent topic among my clients. Given the irreversible nature of this decision and its potential complexities, it's natural for investors to weigh their options carefully. Below, I'll address some of the most common inquiries I've encountered, [...]

Family and Relationships, Healthcare, High Net Worth Individuals At Global Advisers, our recent study shines a light on the criticality of early planning for cognitive decline—a topic many may not consider until it's urgently needed. Our findings highlight the widespread underestimation of cognitive decline's risks and the necessity for investors to preemptively address the [...]

Inflation and rising interest rates are stirring conversations among investors about the potential impact on stocks and bonds moving in sync. Our team at Global Advisers delved into historical data to understand how these dynamics affect portfolio diversification, focusing on inflation as a key influencer. Inflation's Impact on Portfolio Diversification Our analysis reveals that [...]

Navigating tax season can be a complex endeavor, but with a strategic approach, you can potentially reduce your investment tax burden and keep more earnings for your personal goals. Here's a streamlined guide offering actionable strategies to enhance tax efficiency across various stages of investment. 1. Opt for Tax-Efficient Investment Vehicles When selecting investments, [...]

As you approach retirement, a seamless transition requires not just dreaming about leisure activities but also strategic planning to mitigate potential risks. Global Advisers can guide you through preparing for common challenges to ensure a secure retirement. Market Risk Nature of Risk: Fluctuations in investment returns, inflation, and market dynamics can impact your retirement [...]

My Passion for Financial Guidance At Global Advisers, my dedication to my work stems from the profound relationships I build with our clients. However, the pinnacle of my role as a financial advisor is the joy of informing clients that they have the option to retire earlier than they thought. While the typical retirement [...]

Establishing a Foundation The cornerstone of navigating market fluctuations lies in a proactive and informed strategy. As a firm, we stress the importance of: Defining or reassessing investment goals to ensure alignment with personal financial objectives. Crafting an asset allocation strategy that leverages diversified funds for optimal balance. Emphasizing cost efficiency across investment activities. [...]