While you may view retirement as a long-anticipated emancipation from the work world, it is also a period of considerable change and adjustment. If you are married, some of the most profound changes will take place within the context of… Read More
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Rolling Stock Market Returns: The Antidote for the Daily Stock Market Watcher
Rolling returns are a great way to measure investment performance (in this example the S&P 500 index). These rolling returns don’t correspond to calendar periods. We begin to understand investing more clearly as we compare the rolling stock market return periods… Read More
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Dealing with Divorce
Divorce can be a lengthy process that may strain your finances and leave you feeling out of control. But with the right preparation, you can protect your interests, take charge of your future, and save yourself time and money. You… Read More
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Tax Planning Tips: Disability Insurance
The income you receive from disability income insurance may or may not be taxable. The taxability of disability income insurance benefits depends on what type of benefits you receive, whether the premiums were paid with pretax or after-tax dollars, and who… Read More
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Who Should Inherit Your Wealth?
Some people fantasize about receiving an inheritance like it will be a dream come true. But when it comes to giving an inheritance and deciding who should receive what, the process can be a lot less thrilling. Setting up wills… Read More
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Rob Carpenter is Baltimore magazine’s Thought Leader of the Month
Baltimore-Washington Financial Advisors, Inc. (BWFA), was founded in 1986 and is headquartered in Columbia, Maryland. BWFA is among the largest and oldest independent, fee-only financial advisory firms in the Baltimore/Washington metropolitan area. BWFA acts as a fiduciary and serves clients… Read More
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Decisions, Decisions: Choosing Among Retirement Plan Contribution Types
If your employer-sponsored 401(k)or 403(b) plan offers pre-tax, Roth, and/or non-Roth after-tax contributions, which should you choose? How do you know which one might be appropriate for your needs? Start by understanding the features of each. PRE-TAX: FOR THOSE WHO… Read More
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Capital Gains Tax
What is capital gains tax? Capital gains tax is imposed on gains realized from the sale of capital assets such as a home, an investment, or a business interest. Special maximum tax rates generally apply to long-term capital gains; these… Read More
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