Wealth Transfer Strategies in Depressed Markets

A market downturn presents numerous opportunities for strategic estate planning. In particular, the wealth transfer techniques discussed here could provide attractive options for making gifts of significant value to your heirs. Due to the complexities of these strategies, you’ll need to work with an attorney to discuss their potential rewards and risks, as well as to set appropriate terms and conditions for your portfolio and your family.

How the Expanded EIDL Program Can Help Your Small Business

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act), signed into law on March 27, 2020, includes several small business-focused provisions designed to allow businesses to retain employees and to help them pay expenses during this difficult time.


How Coronavirus Concerns Are Changing Insurance Underwriting Procedures

In response to the spread of COVID-19 in the U.S., insurance carriers are modifying underwriting procedures on new and pending applications for life insurance and other health products, such as critical illness and disability income. Below, we’ll look at how this process works and what’s changing as a result of the ongoing pandemic.


Weekly Market Update, April 13, 2020

​General Market News            

  • The 10-year Treasury yield opened at 0.72 percent on Monday, where it spent most of last week. It fell as low as 0.56 percent the week before and rose as high as 1.27 percent in mid-March. It seems to have settled within a small range now, though, waiting out more news. The 2-year opened at 0.221 percent, and the 30-year opened at 1.344 percent. The market seems to be holding out to see what the broader economic impact of COVID-19 will be for the U.S. and the rest of the world, something we should have more information on in the weeks to come. The Federal Reserve (Fed) meets later this month and may provide more clarity.

Tax-Savings Opportunity for NQSO Holders

If you’re lucky enough to hold nonqualified stock options (NQSOs), you may be wondering what they’re worth right now. Perhaps you’ve been fortunate enough to see your company’s share price increase since you received your NQSOs, but you’ve been waiting to exercise your options. Now, given the recent market downturn and volatility, you may feel as though you missed your chance to lock in maximum profits. That’s not necessarily true. But, true or not, the current market environment could present a different kind of opportunity when you exercise your NQSOs.

Does the Latest Coronavirus Data Reveal the End Is in Sight?

The coronavirus crisis continues to evolve on a daily basis. To help determine where we are now—and where we could be going—a good place to start is with the data trends in the spread of the virus.

Health Insurance Resources for Laid-Off Workers

If you or someone you know has recently experienced a layoff or reduction in work hours, you may be wondering what options you have for health care coverage. Here are some alternatives, along with answers to commonly asked questions and additional information you may find helpful.


Retirement Account Rule Changes Under the CARES Act

For many Americans, the novel coronavirus (COVID-19) pandemic has resulted in an immediate need for funds that can provide financial stability. In response, lawmakers have lessened financial burdens through stimulus legislation that includes several temporary rule changes to retirement account withdrawals.


The Paycheck Protection Program: Offering Financial Support for Small Businesses

The Coronavirus Aid, Relief, and Economic Security Act (the CARES Act), signed into law on March 27, 2020, includes several small business-focused provisions designed to allow businesses to retain employees and to help them pay expenses during this difficult time. If you are a small business owner in need of financial support, here’s what you should know.

Unemployment Benefits Under the CARES Act

The Department of Labor (DOL) sets overall standards for unemployment benefits, and each state processes applications and determines its residents’ eligibility through its own program. Generally, most states have a one-week waiting period before eligibility for unemployment benefits begins, limit the length of unemployment benefits to 26 weeks, and require proof that an applicant is actively looking for a new job. There is no amount of unemployment benefits set by federal law, and the amount received by an unemployed individual varies by state.