With the 2nd quarter estimated tax payment deadline approaching, let’s talk about everyone’s favorite topic – Taxes! As you well know, taxes are owed on the income you earn. What you may not know is that there are also rules requiring that tax payments are made as you earn and receive income during the year. […]

As discussed in a recent article, Windermere (in its role as registered investment advisor) has chosen to use Charles Schwab & Co., Inc. (“Schwab”) as the primary custodian for its clients. A client recently asked me to clarify what the term custodian means – and how they should think about that important role versus the […]

This week’s question is a popular one – with an equally unpopular answer. Question: What do you mean by emergency savings and how much should I keep in that account? Answers: It depends I know, I know. “It depends” can be a very frustrating answer and it is one that I find applies to many […]

Each quarter, we will share three things that we are keeping Top of Mind. After a demanding 2020, this quarter’s list includes some levity – as well as a useful tool for investors 1.       Sourdough Schoolhouse – Guilty as charged – I too jumped on the sourdough bread train during the early days of quarantine.  […]

Each quarter, we will share three things that we are keeping Top of Mind. This quarter, we are sharing some personal finance topics and reminders 1.) Mortgage Refinance – As interest rates remain low, it is a good time to review all debt you may have (including your mortgage) and determine if refinancing would be beneficial. […]

Each quarter, we will share three things that we are keeping Top of Mind. This quarter, we are sharing some light-hearted items that we hope bring you some good ideas and some much-needed joy during this time. This year may look different than we had planned but there is still so much good to be found […]

Each quarter, we will share three things that we are keeping Top of Mind 1.Charitable Giving during COVID Many of us are searching for ways to direct our charitable dollars directly to COVID19. Schwab Charitable published an excellent resource providing valuable information on national organizations as well as tips to direct your search to your community. […]

The SECURE Act (“Setting Every Community Up for Retirement Enhancement”) was signed into law in the final days of 2019.  It includes significant changes to retirement savings and will affect many individuals, most notably those in or nearing retirement, new parents, small business owners and employees and could also have a major impact on estate […]

Each quarter, we will share three things that we are keeping Top of Mind Here’s our latest list: 1.) 20 for 2020 – I shared this concept with you last year as well, but I loved the concept so much I have made it an annual tradition. I was first introduced to this concept on the […]

Each year, Charles Schwab & Co., Inc. hosts a conference for investment advisors that custody assets on its platform. Pam just returned from the 2019 conference. Here are a few themes that were woven throughout the various sessions: 1. ) Remain vigilant: with markets reaching all-time highs during the conference, it’s fair to say that […]