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Importance of Background Checks

Employees and volunteers are important assets within the ministry. While they can be beneficial in performing the mission of the organization, the wrong individuals can bring about detrimental consequences. Parents often entrust the safety of their children with the church. If a child is ever harmed by an employee or volunteer, the child and the… Continue Reading

ACA: Delays in SHOP Enrollment

Cover Oregon, the state-based marketplace for Oregonians, also announced a delay in its SHOP roll-out. They anticipate that sometime in mid-October, the site will be opened first to agents who can help small employers get rates, compare plans, and enroll in group coverage. Functionality for employers will be limited to browsing plans during that “beta… Continue Reading

Retirement Derailers

In a February 2013 survey of 1,000 employed and retired Americans aged 50―70 with $100,000 or more in investable assets, 90% of respondents said they had experienced a “retirement derailer” ― a specific circumstance that seriously impacted their retirement plans or reduced their retirement savings (Source: Ameriprise Financial, February 2013). Approximately 37% of respondents had… Continue Reading

When Can You Retire?

When can you retire? It depends ― on how old you are; how much you have saved; the extent to which you’ll rely on Social Security, a pension, or tax-advantaged retirement accounts; how your investments perform; the kind of lifestyle you want in retirement; and how long you’ll live. Factors to Consider When Setting a… Continue Reading

Help Beneficiaries Avoid IRA Mistakes

While annual contributions to IRAs are still relatively modest, the ability to roll over 401(k) balances to an IRA can result in significant IRA balances. In addition to retirement planning vehicles, IRAs are thus becoming estate-planning tools. If you are in that situation, help your beneficiaries avoid these common IRA mistakes: Using the IRA balance… Continue Reading

Tax Smart Wealth Building

Saving for retirement on a tax-advantaged basis should be on nearly everyone’s financial “to do” list. Making contributions to a Roth IRA is one tax-wise way to save, because you can take withdrawals after age 59 1/2 that are free from federal income tax, assuming you’ve had at least one Roth account open for more than five years.… Continue Reading