October 11, 2019
For many working individuals, open enrollment season is here again and that provides opportunity to confirm and enhance your benefit elections for the coming year. If you experienced life changes or transitions in 2019 (e.g., getting married) or if you are planning for a big event in 2020 (e.g., having a baby), it is especially… Read more »
September 26, 2019
As health insurance open enrollment season will soon be upon us, there’s a lot of news and activity in the health insurance marketplace to consider. If you’re a consumer or a business owner, it’s important to be aware of a few key shifts happening around us and to understand what those shifts could mean for… Read more »
August 8, 2019
With the 2019-2020 academic school year around the corner, the JNBA Financial Planning Committee wanted to provide some reminders for parents and students as you prepare for the upcoming school year. Estate Planning Documents Once a student turns 18 years old, it is important for them to have documents in place that will allow a… Read more »
August 8, 2019
Nowadays, humans pose an even higher risk to an organization’s cybersecurity defense than software flaws and vulnerabilities. Luckily, common sense thinking can be more effective against cyber criminals than sophisticated tools. Here are 10 cybersecurity tips to help protect yourself and your organization from security threats. 1. Be cautious with links and attachments in emails.… Read more »
July 29, 2019
Across the country, many people went into this year’s tax season with one big question in mind: How will the new tax law affect me? It was a tax season for the history books, as the Tax Cuts and Jobs Act (TCJA), which passed in December 2017, made fundamental changes to the U.S. tax code,… Read more »
July 11, 2019
Health Savings Accounts (HSAs) provide a way to save for medical expenses when your health insurance is a high deductible plan. Money you save into a Health Savings Account is pre-tax, meaning you won’t pay taxes on the amount you put into it, and when the funds are used for qualified medical expenses, you won’t… Read more »
March 6, 2019
Whether you’ve been giving to charity for years or you’re just beginning to consider it, creating a giving plan that matches your values while taking advantage of some unique tax strategies will ensure that your resources make the biggest impact for you and the organizations you care about. Where to Give You likely have causes… Read more »
February 19, 2019
IRA Contributions If you need to confirm your IRA contributions already made for 2018 or are considering moving money from a non-IRA account to an IRA for your 2018 contribution, remember to allow time for processing to meet the April 15 deadline. QCD – Qualified Charitable Distribution If you are over age 70 ½ and… Read more »
January 29, 2019
Each year, many individuals head south to warmer weather in the winter months giving them the opportunity to enjoy the seasons of Minnesota while avoiding the bitter cold that often comes in January, February and March. Here are a few things to consider before you head south for the winter: Estate Documents – if you… Read more »
December 20, 2018
An individual retirement account (IRA) allows you to save for retirement with tax-deferred or tax-free growth. You can even control what happens to the IRA after you die. Below are nine questions and answers designed to help you understand how IRAs work. How do you contribute to a regular IRA? You can make annual cash… Read more »