Wealth Planning

Take Steps to Protect Yourself from Identity Theft

  Take Steps to Protect Yourself from Identity Theft   Secure your social security number. Don’t carry your social security card in your wallet or write your number on your checks. Only give out your social security number (SSN) when absolutely necessary. Don’t respond to unsolicited requests for personal information (your name, birthdate, social security

2016-12-20T00:00:00+00:00December 20th, 2016|Newsroom, Wealth Planning|

Year-End Giving Deadlines

Refer to these Schwab Charitable guidelines to help ensure your contributions are received and processed by December 31 (the IRS deadline for inclusion in your year-end tax return). *The type of securities and how quickly the securities are transferred by the financial institution currently holding the investments may impact Schwab Charitable’s ability to receive contributions

2019-09-19T03:42:24+00:00December 1st, 2016|Apriem Cares, Newsroom, Wealth Planning|

Minimum Required Distribution

Minimum Required Distribution Minimum required distribution (MRD) are mandatory withdrawals by the IRS from retirement accounts each year once you reach age 70 1/2. MRD applies to these account types: You must take an MRD for traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k) plans, 403(b) plans, 457(b) plans, profit sharing plans, other defined contribution plans.

2016-11-03T00:00:00+00:00November 3rd, 2016|Newsroom, Wealth Planning|

Schwab Charitable

In September our Women of Wisdom (WOW) event highlighted Charitable Planning presented by Schwab Charitable. In 2015 the largest source of charitable giving in the US came from individuals giving $268.28 billion or 71% of total giving. Foundations, bequests and corporations made up the rest. The greatest percentage of areas that individual gave to were

2019-09-19T03:53:38+00:00October 27th, 2016|Newsroom, Wealth Planning|

Even the Highest Earners Don’t Have Enough: A Shocking Thesis

Even the Highest Earners Don't Have Enough: A Shocking Thesis According to the Schwartz Center for Economic Policy Analysis (SCEPA), the majority of American families nearing retirement have inadequate levels of savings. When we examine the data, there is a substantial amount of truth to this thesis. The Data Every three years, the Board of

2016-07-01T00:00:00+00:00July 1st, 2016|Newsroom, Wealth Planning|

Changes to Charles Schwab Monthly Statements Policy

Charles Schwab & Co. (“Schwab”) is making some changes to the client statement experience. Below is a summary of the upcoming changes.  Changes to Charles Schwab Monthly Statements Policy Starting with July 2016 statements (to be received in early August), Schwab will send a monthly statement only for those accounts with a qualifying activity. Qualifying

2016-06-01T00:00:00+00:00June 1st, 2016|Newsroom, Wealth Planning|

Who should be the owner of the 529 plan account?

As college costs increase, more and more students are depending on 529 college saving plans, as well as expecting to qualify for federal financial aid. For those students fortunate enough to have family members that are able to help contribute to a plan account, the question often arises as to who should own the account—a

2016-05-25T00:00:00+00:00May 25th, 2016|Newsroom, Wealth Planning|