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Setting Goals

Amber Ott - Friday, January 05, 2018
Written by: Elissa Wurf (/elissa-wurf.html) With the beginning of a new year generally come resolutions – and lots of them. Statistics suggest that most resolutions are abandoned within a very short time, some within the first week of January. And in some cases, that’s probably fine. But there are times when we should set goals we actually intend to achieve. Lucky for us, there is a whole body of research that offers good information on how to  ..

Using 529 Accounts to Pay for Grade School and High School Tuition

Amber Ott - Thursday, January 04, 2018
Written By: Dan Honsberger (/dan-honsberger.html) One of the implications of the Tax Cuts and Jobs Act of 2017 is the additional uses of distributions from 529 plans, tax-free and penalty-free. Beginning January 1, 2018, distributions are allowed to be used to pay for tuition to elementary and secondary schools, up to $10,000 per year, per child. Here’s how this would work: Make out-of-pocket tuition payments to an elementary or secondary public, private,  ..

Tax Cuts and Jobs Act of 2017

Amber Ott - Thursday, January 04, 2018
Written By: Davis Barry (/davis-barry.html) The recent changes in tax law, applicable for 2018, have a lot of taxpayers trying to decipher what it means for them. For most, not a lot has actually changed. There are still seven marginal tax brackets for individuals/married couples; you are still incentivized to save for retirement; and using a tax preparer is still prudent. The 2018 tax brackets for individuals and those that are married filing jointly are below:  ..

Getting to Know: Peter Byrd

Amber Ott - Wednesday, November 29, 2017
Name: Peter Byrd (/peter-byrd.html) Your position at JoycePayne Partners: Client Services Associate Educational background: Bachelor of Arts from James Madison University Describe your family: I have an older sister and two younger brothers. All of us have different interests, but we share the same sense of humor and camaraderie. What motivates you? I'm motivated to be a better person every day in an effort to make the world a bet ..

Qualified Charitable Distributions from an IRA

Jen Pieson - Friday, September 29, 2017
Written By: Carrie L. Fellon, CFP®, CRPS (http://www.joycepaynepartners.com/carrie-fellon.html) Individuals age 70½ or over can transfer IRA assets to a charity tax free while simultaneously satisfying their Required Minimum Distribution (RMD). After initial enactment in 2006 and subsequent suspensions and reenactments, Congress passed the Protecting Americans from Tax Hikes Act of 2015 (PATH Act), making permanent Qualified Charitable Distributions (QCDs) fro ..

Getting Started: Tips for College Students

Amber Ott - Wednesday, September 27, 2017
Written by: William Omberg, 2017 Summer Intern As a rising college freshman, I have my work cut out for me in dealing with my personal finances over the next decade. Even excluding the effort that is paying for college (read a thorough explanation here (http://www.joycepaynepartners.com/client-insights/saving-for-college-1)), the onset of earning income, saving for future expenses, paying current ones, and attempting to enter the market as soon as possible (despite its current high ..

Best Practices: Protecting Your Identity

Amber Ott - Thursday, September 14, 2017
Written by: Davis Barry (/davis-barry.html) In this digital age, when so much banking and shopping is done online, it is more important than ever to safeguard your personal information and protect your identity. Below are some best practices that, at a minimum, every consumer should follow. 1. Routinely check your credit reports, and those of your minor children, throughout the year. The three primary credit rating agencies (Equifax, Experian & Transunion) allow ..

Getting to Know: Stacey Grainger

Amber Ott - Wednesday, August 30, 2017
Name: Stacey Grainger (/stacey-grainger.html) Your position at JoycePayne Partners: Assistant to the President and Office Manager Educational background: A.A., Business. I have worked in small businesses and entrepreneurial startups in many capacities, including sales, marketing and executive support roles. I currently serve on the Board of Directors for CAVE Systems. Describe your family: I have two beautiful girls - 18 and 21. Katie is a s ..

Starting the Conversation About End of Life Care

Jen Pieson - Thursday, June 29, 2017
Written By: Sarah Caine, RP (/sarah-caine.html) I wrote a blog entry a few years ago called “Difficult Decisions (/client-insights/difficult-discussions)” which focused on the importance of talking to your family about estate planning issues – both yours and theirs – before a crisis occurs. Around that time, I found a great resource called The Conversation Project (http://theconversationproject.org/). The Conversation Project operates in conjunction with th ..

Saving for College

Jen Pieson - Wednesday, June 28, 2017
Planning for college can be overwhelming, but it is never too early to start saving. There are a variety of investment vehicles available so you can find one that will best fit your family’s needs. The most common plan is the 529 Plan, of which there are two types – 529 Savings Plans and 529 Prepaid Plans. Both of these have tax deferred earnings and tax free withdrawals if the money is utilized towards qualified education expenses. If your child decides not to attend coll ..

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