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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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Entrepreneurship Over 50

06.21.2017

Starting your own business feels a lot like taking off on a zip line. The first step off the platform is exhilarating and terrifying, but you quickly realize you are wearing a harness and are attached to the line, says Stephen McCauley, 53, who has his own marketing communications firm in Arlington, Virginia. You know you wouldn’t have made this decision if it didn’t make sense, so you think, “I’m tethered. I’m OK,” he says.

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When Her Rise Means More Bread

06.21.2017

The 1960s television show Leave It to Beaver featured the Cleavers, a traditional family, with dad going to work each day and mom staying home with the children. Hijinks ensued each episode with the youngest son, Theodore “Beaver” Cleaver, always getting in a sticky situation. As with most television shows, it reflected the times in which it was made. Simply put, men earned a living and women raised children.

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Find Your Tribe

06.21.2017

Take a walk alone and you get some exercise. Take a walk with a friend—or a group of friends—and you get something more. “When you walk, you talk, and you never know where that will lead,” says Deborah Woller, 62, a retiree who lives in Naples, Florida. One place it’s likely to lead is to more walks, with all their physical and mental health benefits.

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DeMeco Ryans: Winning Off the Field

05.01.2017

Even though you may have worked and trained for it your entire life, nothing can really prepare you for the moment you realize you’re going to be a pro. “For me that moment clicked around my junior year of college,” says DeMeco Ryans, who was a linebacker for nine years for the Houston Texans and Philadelphia Eagles.

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Running Strong

06.21.2017

We runners classify hills much as the Inuit distinguish snow conditions—very precisely. There are bumps, inclines, and slopes so torturous they rip at the human spirit. The Boston Marathon’s infamous Heartbreak Hill falls into the last category—long, steep, and late in the race, at the 21-mile mark.

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Passing on the Joy of Giving

06.21.2017

Teaching kids the joy of giving begins at home, and the training can start early. That’s what many families have found, including Mike and Karyn Hobson of Columbia, Maryland. Their three sons, 5 to 11, have worked at a food pantry, sold homemade cookie mixes to raise money for an orphanage in China, made cards for the elderly, and helped their parents pick out household goods for a refugee family.

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A Strong Foundation

01.31.2015

Many of us make annual gifts to charities, our church, an alma mater, or some other worthy charitable organization. But beyond this annual giving, some individuals or families may have a desire to set aside a more meaningful amount of their net worth to achieve larger philanthropic objectives. One way this goal can be achieved is through the creation of a private family foundation that you fund and operate.

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Donor-Advised Funds: Charitable Giving Made Easy

06.15.2016

Barry and Eugenia Frank of Greensboro, North Carolina, were interested in a simple way to accumulate assets that could fund community college scholarships and grants for medical research. While familiar with private and community foundations, they sought the convenience of a donor-advised fund to implement their planning.

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Life Insurance and Charitable Giving

08.30.2016

Life insurance can be an excellent tool for charitable giving. Not only does life insurance allow you to make a substantial gift to charity at relatively little cost to you, but you may also benefit from tax rules that apply to gifts of life insurance. This article explores the benefits and considerations of life insurance as a way to make charitable gifts and offers insurance-based charitable gifting strategies.

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Far from Finished: Planning Successful Transitions

06.21.2017

Nancy Schlossberg had spent a career studying adult transitions—life changes ranging from relocation to divorce to job loss—when she undertook some major transitions of her own. She retired from her post as professor of counseling psychology at the University of Maryland and, with her husband, moved to Sarasota, Florida. She had a vague idea that she would find new, non-teaching work there. “I thought it would be a piece of cake,” Schlossberg recalls. “I expected the world would want me to come work for them, and it didn’t happen. I was in a state of shock.”

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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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