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Timely, relevant, and actionable investment perspective, best practices, and planning insights for institutional and wealth management clients from CAPTRUST's Consulting Research Group.

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Managing Your Life Insurance Portfolio

02.01.2017

About 87 million U.S. households own some form of life insurance. “However, too few policies are being analyzed to make sure that the insurance matches the policyholder’s needs,” said Mike Molewski, CFP®, principal and financial advisor at CAPTRUST’s Strategic Advisor Group in Bethlehem, Pennsylvania. “When a professional advisor conducts a thorough life insurance review, clients often reap substantial benefits.”

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Down-to-Earth Planning for a Dream Home

02.01.2017

There’s no place like your dream home. That’s what Grace and Joe Simcoe have found. When they were in their 50s, the couple decided they wanted to move from Baton Rouge to Lexington, Virginia, when they retired. But they couldn’t find a house they loved, so they custom built their dream home in the Shenandoah Valley.

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The Challenges and Joys of International Adoption

02.01.2017

College sweethearts Paul and Mary Jean (MJ) Schaffer married in the late 1980s and always wanted three children. But life happened, and by the time their first two children, Alex and Natalie, were in grade school, time was running out for the couple to have more biological children. MJ, a stay-at-home mom, and Paul, a CAPTRUST financial advisor, started talking about their options.

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Gift and Estate Taxes

08.02.2016

The money and property you own when you die (i.e., your estate) may be subject to federal gift and estate tax, some form of state death tax, and generation-skipping transfer taxes. You should understand all of these taxes, especially since the passage of the Economic Growth and Tax Relief Reconciliation Act of 2001; the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010; and the American Taxpayer Relief Act of 2012.

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Getting a Grip on Gifting

11.09.2015

“I see people confused by some of the basic rules,” says Mike Gray, senior vice president and CAPTRUST financial advisor in Raleigh, NC, referring to the annual gift tax exclusion and estate taxes. That's a big problem for many investors—and a good reason to get the professionals involved.

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An Introduction to Estate Planning

07.22.2016

Estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death. What estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs.

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What You Should Know About Probate, Trusts, and Beneficiary Designations

02.01.2017

It pays to plan ahead. Creating an estate plan that avoids probate is an extra gift you can leave your beneficiaries. It can save them time and trouble, reduce costs, and protect everyone’s privacy, says attorney David A. Burns, a board-certified specialist in estate planning and probate law in Raleigh, North Carolina.

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Bypassing Probate

10.17.2016

You may have heard about the horrors of probate, but in truth, probate has gotten an undeservedly bad reputation. If you bypass probate, your estate will go to your beneficiaries without any court proceeding, and you may save a certain amount of time and expenses. However, there is usually little reason for most people to avoid probate today.

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Understanding Probate

10.17.2016

Your estate consists of your assets—money, real estate, and worldly belongings. Your estate also includes your debts, expenses, and unpaid taxes. After you die, somebody must take charge of your estate and settle your affairs. This person will take your estate through probate, a court-supervised process that winds up your financial affairs after your death.

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The Time to Talk About Retirement Is Now

11.01.2016

As you rush to work or scramble to make dinner, retirement may seem like a far-off dream. You delay this money conversation hoping that, in time, it will get easier. However, waiting can be detrimental to achieving a secure future. So the time to talk about retirement is now.

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Estimating Your Retirement Income Needs

07.22.2016

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.

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Insurance Needs in Retirement

06.07.2016

Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any changes that might be needed.

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Transitioning to Retirement: Must-Have Money Conversations

02.01.2017

Transitioning to retirement is a big life adjustment, one fraught with mixed emotions and moments of uncertainty. The goal is not to deny that you are having these feelings, but to proactively address these concerns and discuss them with your partner. Advisors who view retirement holistically see this as part of their role. “If we can take the financial burden off their plates, then we have done our job, allowing them to focus on the other aspects of transitioning to retirement,” says Aaron J. Morris, a CAPTRUST financial advisor in Des Moines, Iowa.

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