What is the Roth 401(k) Five-Year Rule?

Roth IRAs are becoming an increasingly popular alternative to traditional IRAs because they offer additional flexibility in how and when plan participants can access their money. For that same reason, Roth 401(k) plans are growing in popularity among employers offering qualified retirement plans. Both vehicles allow for tax-free distributions when certain conditions are met, such […]

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How Biden’s Tax Plan Would Impact Middle-Class Taxpayers

Throughout his first six months in office, President Biden has clearly stated his desire to raise taxes on the wealthiest individuals while fortifying the middle class. Though there is no guarantee his tax proposal will pass through Congress as is, it’s still worthwhile to review the proposed tax changes to see how they could potentially […]

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Taxes, Inheritance, and Death Bed Planning

When it comes to the transfer of assets after death, tax planning should always be at the forefront of both the benefactor and beneficiaries’ minds. From capital gains taxes to potential estate taxes to ordinary income taxes, these burdens can put a significant dent in a spouse or child’s inheritance. While the death of a […]

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Why Choose a Comprehensive Financial Planner

How do you plan to secure your financial future? Build wealth? Limit your tax exposure? Unless you’re a Certified Financial Planner™ yourself, you’ll probably need to seek the assistance of a professional. But how do you know you’re choosing the right one?  Your immediate conclusion might be to call up an investment advisor. After all, […]

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Biden’s Tax Proposal 10 Things All Investors Need to Know

On March 31st, President Biden unveiled the American Jobs Plan—a $2 trillion infrastructure proposal aimed to bolster the post-pandemic economy. The scale of this bill is so expansive that it will take roughly fifteen years of increased taxes to pay for the eight years of proposed spending. But who will pay for this historic bill?  […]

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Boost Your Retirement Plan with a Health Savings Account

There are many financial tools that will be on your radar as your near retirement. It is likely you’ve already been paying into some of them, like 401(k)s or IRAs, for many years. But there is one account that is often overlooked as a retirement planning tool—the Health Savings Account (HSA). That’s right—believe it or […]

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Should You Bet On Bitcoin?

The field of cryptocurrency is forever expanding with over 4,000 cryptocurrencies[i] in existence as of January 2021. But what in the world is cryptocurrency? How does it differ from real money? And should I be adding this to my portfolio? These are all questions our clients have been asking as we’ve seen this year’s Bitcoin […]

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Changes to Social Security in 2021

2021 continues to be the year of big changes. To add to these changes, there may also be a significant shift in Social Security benefits. How will these upcoming changes affect the future of Social Security? Moreover, how will it affect you personally? Here’s what you need to know. In the complex and shifting world […]

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Q1 Volatility Ahead? Don’t Be Alarmed

Seasonal Market Movement Could Be to Blame As we all know, no one can predict market volatility. Any number of major or minor political, economic, social, or extraneous events can influence buy-ins or sell-offs in the market.[i] Back in March of 2020, for example, as the Coronavirus swept the globe, the S&P 500 dove into […]

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Helping Women of All Ages Succeed

Did you know that 60%[i] of the wealth in the United States is owned by women, but 57%[ii] of women surveyed wish they were more confident in their financial decision-making? Men and women think and feel differently about money. This in part is due to the different financial challenges that women face. Unique Financial Challenges […]

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2020 Year-End Tax Planning for the Tax-Wise Investor

Whether you are a pre-retiree in your accumulation phase or are already retired, your tax planning strategy should always be on your mind. The end of the year is rapidly approaching, which means some important tax-planning deadlines are approaching, as well. Now is the time to take a look at your finances and evaluate if […]

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Election 2020: What we can learn from Bush v. Gore

As the highly controversial 2020 election draws nearer, pandemic worn-down investors are wary of what the market could do if a victor is not declared right away and the candidates decide to square off. Historically, the truth is that we do not have much to go on. There are only two times in the past […]

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Roth IRA Conversions: Weighing the Pros and Cons

When it comes to retirement planning, it is our job as financial advisors to help our clients make lemonade from the lemons of the tax code, legal system, or market conditions at any given time. One of the joys of our jobs here at URS Advisory is helping clients make financial decisions that will put […]

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Volatility & The Upcoming Election

While the worldwide pandemic has taken center stage thus far in 2020, the national election this November may temporarily steal the spotlight. As the countdown to November 3rd begins, we have already begun to see unprecedented volatility buying. In the third week of August, both the S&P 500 and the Nasdaq set record-highs, ending the […]

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Trouble in Treasuries?

Will US Treasury Bonds still be considered “smart money” following the Fed’s debt monetization? After a decade of slow and steady growth, 2020 came in with a bang. Thus far, it has been a year of ballooning federal debt and deficit spending primarily monetized by the Fed in response to the COVID-19 crisis. This year, […]

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Investing in Precious Metals in Times of Uncertainty

For thousands of years, precious metals—silver and gold—have been coveted for their monetary value and symbols of power. As you can guess, not much has changed; however, the “why” and “how” we might acquire these assets today have changed a bit. Precious metals can be a particularly desirable financial asset in times of economic uncertainty […]

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Planning for an Early or Unexpected Retirement

Planning for retirement is without a doubt a long-term, big picture endeavor. It takes decades of preparation and adjusting your plan to life’s changes to pull off successfully. Because we put so much into the preparation for retirement, many of us likely believe that we will retire exactly when and how it is laid out […]

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The Fed’s Impact on the Stock Market

What do the biggest global economic contraction of the modern era, the highest unemployment level in post-WW2 American history[i], and a pandemic that continues to affect consumer, business, and government behavior all have in common? They are occurring right now and causing very large dislocations in the domestic economy. On the one hand, the stock […]

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