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Dear Frank, How can I avoid the federal gift tax?” If this question is on your mind, you aren’t alone. The good news is that few taxpayers or estates will ever have to pay it. Misconceptions surround this tax. The IRS sets both a yearly gift tax exclusion amount and a life

Bond Alert On October 30, 2014 the Federal Reserve announced the end of their quantitative easing program and bond purchases which was designed to keep interest rates low and stimulate the economy. This action, along with recent data indicating that our economy’s growth is accel

What Is An Annuity? Why Would I Want An Annuity? What Are The Different Types of Annuities? Which Annuity is Right for Me? What are Some Common Misconceptions About Annuities? These questions and many more answered here.

Life is full of risks.  The question is:  How do I manage risk?  It is instructive to compare risks that we routinely manage via insurance.   As shown in the chart below, most people routinely manage risk by purchasing insurance to transfer or mitigate that risk. For example, life ins