Highlights of the SECURE Act 2.0 This handy reference guide will tell you what the new rules are and how they're different from the old ones. Nearly all the changes are included: 10-year limit on inherited IRAs No "forced" IRA spending until age 73/75 No more age limits for contributing to an IRA Enhanced catch-up contributions for some savers A reduction in missed RMD penalties Lifetime income disclosure in 401(k) … [Read more...]

We are thrilled to announce the Barron’s has named Dimensional Fund Advisors No. 1 in the outlet’s “Best Fund Families of 2022” list. "One of our most important duties as your Fiduciary, is to screen, select and monitor your mutual fund options and managers. Since 2017, we have been closely aligned with Dimensional Fund Advisors (DFA) and, with results like this, see a long and prosperous future for us all in this relationship." ~ Susan … [Read more...]

With 2023 well underway, we can put 2022 into clear perspective and move on knowing that efficient implementation of investment strategy means we don’t have to try and outguess markets, we simply have to access and participate in them. David Booth has taken the time demonstrate just this in attached piece “2 Forward 1 Back”. It’s a must read! Of all the great events in our area this time of year, it’s the car shows that Sophia and I get … [Read more...]

Download our handy Key Financial Data 2023 reference guide for 2023. Information includes: 2023 Tax Rate Schedule Standard Deductions & Child Tax Credit Tax Rate on Long-Term Capital Gains and Qualified Dividends Net Investment Income Brackets Exemption Amounts for Alternative Minimum Tax Gift and Estate Exclusion and Credits Education Credits, Deductions and Distributions Tax Deadlines Retirement Plan … [Read more...]

The Linkous Group, Ltd. is a Registered Investment Advisor serving our clients as their fiduciary on a fee basis. Mark Miller, in attached article, explains and confirms exactly why we are proud to have adopted this business model over two decades ago. Read The New York Times: Financial Planning for Retirement: It’s More Accessible, but Be Careful    We will continue to adapt and stay on forefront of all industry trends to offer our … [Read more...]

Albert Einstein once said, “It is not that I’m so smart but I stay with the questions much longer”.  This year has been one that required continual questioning to understand all that impacted the global economy, our client’s changing needs as they move from pandemic living, and the direction of the financial services industry. The most challenging event to navigate was also the most welcome, interest rates increased. For many years, investment … [Read more...]

LPL Research’s Outlook 2023: Finding Balance is LPL's guide to how the readjustments in the economy and markets may impact you in the coming year. The disruptions may not be fully resolved and there may be more challenges to come, but progress toward finding balance is well underway. And when those disruptions hit the market, it can be hard to find our footing and stay the course. Those are the times when sound financial advice is more valuable … [Read more...]

Some investors may worry about the stock market sinking after a recession is officially announced. But history shows that markets incorporate expectations ahead of economic reports. The global financial crisis offers a lesson in the forward-looking nature of the stock market. The US recession spanned from December 2007 to May 2009, as indicated by the shaded area in the chart. But the official “in recession” announcement came in … [Read more...]