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Monday, May 7, 2018

As your child enters high school it’s important to review the investment allocation of your 529 account(s) if you have not done so already. We recommend reviewing your account allocation annually, however, it’s especially...

 

Wednesday, April 4, 2018

In this two-part series dedicated to college/post-secondary education planning we will look at what you should be considering at different stages in your child’s life. We’ll start by focusing on college/post-secondary...

 

Tuesday, February 20, 2018

At this time of year, when you are thinking about taxes and money issues, it is also a natural time to review your choices of beneficiaries. A beneficiary is the person, organization, charity, etc. that you designate to receive your...

 

Wednesday, February 7, 2018

2018 brings several changes to gifting, estate tax and retirement savings limits. Individual Gifts The gift tax exclusion increases in 2018 to $15,000 from one donor to one recipient up from $14,000 for each of the past five years. For...

 

Thursday, January 18, 2018

The recent tax law changes in the Tax Cut & Jobs Act (TCJA) will affect most Americans - some positively and some negatively. My view is that most suburban home owners with children will not be happy when 2018 taxes are prepared in the...

 

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Wednesday, January 3, 2018

Cybersecurity – Phishing Scams The world of cybersecurity is daunting. We, at Pegasus Financial Group, urge people to be on the lookout for new, sophisticated email phishing scams that could endanger their personal information...

 

Monday, December 11, 2017

As the end of the year approaches, now is a good time to start thinking about capital gains. This year, many segments of the market experienced very nice gains. If capital gains are distributed outside of qualified accounts,...

 

Thursday, November 30, 2017

There are several ages that represent special milestones in your financial life. Age 70 ½ is one of those major milestones if you own an IRA, SEP IRA, SIMPLE IRA, or qualified retirement plan account. As we head into the end of...

 

Wednesday, November 15, 2017

Affordable Care Act – Health Insurance Requirements for 2018 At this writing, the Affordable Care Act (ACA or Obama Care) will be in effect for 2018. You must enroll every year if you do not have health insurance coverage...

 

Monday, November 6, 2017

Medicare open enrollment season is now upon us. Open enrollment season runs from October 15 until December 7. So, what does this mean for you and what changes can you make? During this period, you can reevaluate your coverage and make...

 

Thursday, October 19, 2017

Just about everyone has heard of Medicare (although sometimes people confuse Medicare with Medicaid!). This is a first in a series of blogs that will explore the issues surrounding Medicare. The official website for Medicare...

 

Wednesday, September 27, 2017

In my last blog post I provided a summary of the three 529 plans available in Virginia. The Prepaid plan allows you to prepay college tuition at current rates established by the state. Invest and CollegeAmerica allow you to save into...

 

Monday, September 18, 2017

With college expenses on the rise the mere thought of helping your children or loved ones pay for their education may be daunting. According to a recent study by CollegeBoard, average in-state tuition, fees, and room / board charges...

 

Tuesday, August 22, 2017

How much is enough… A major retirement savings question… If you look back at our last blog titled Where Will Your Retirement Money Come From, we covered the various sources of retirement income. Now it’s time to...

 

Tuesday, August 8, 2017

For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Social Security Social Security is the government-administered retirement income program. Workers become...

 

Thursday, July 13, 2017

Aging Life Care Planning – Home Options One of the key decisions you need to make is - “What will my home (residence) look like as I age?”. Understanding that health conditions may play a roll, you still need to...

 

Thursday, July 6, 2017

Thanks to healthier lifestyles and advances in modern medicine, there are more Americans over the age of 65 than there have ever been. The U.S. Census Bureau estimates that by 2050, more than 20 percent of U.S. residents will be aged...

 

Thursday, June 15, 2017

The power of compound interest is immense, although it doesn’t necessarily feel like you are making great progress in the early years of investing. While compounding is an incredible force, it does take time work its magic. This...

 

Thursday, May 25, 2017

Each month you settle down to pay bills. You pay your mortgage lender. You pay the electric company. You pay the trash collector. But do you pay yourself? One of the most basic tenets of sound investing involves the simple habit of...

 

Thursday, January 12, 2017

Whether it’s sports, music or politics, life holds any number of “great debates” that never seem to reach a conclusion. In investments, that great debate asks the question, “Active or Passive Investing: Which Is...