New IRA Rollover Rules

August 28, 2014

Starting in 2015, new rules will permit only one rollover per year from one traditional IRA to another traditional IRA. The new provision is designed to discourage IRA owners from taking temporary tax-free loans from their IRAs via multiple rollovers of consecutive 60-day periods.* For example, say a homeowner needed a down payment for a…

Failure to Launch … a Materialistic Generation

August 26, 2014

Young adults have had a relatively tough time over the past four or five years. Entry-level jobs have been scant for the onslaught of recent college graduates, many of whom have taken menial jobs to make ends meet until a “real job” comes their way. According to Pew Research, in 2012 only one-third of engineering…

Medicare Enrollment: So You Say It’s Your Birthday?

August 20, 2014

If you turn 65 this year, you are entitled to Medicare benefits, so you need to sign up if you choose to receive them. If you’re currently drawing Social Security benefits, you will be notified about your Medicare eligibility. If not, contact your local Social Security office or visit www.socialsecurity.gov to request your benefits.* You…

More or Less

August 19, 2014

Sometimes it feels like there’s just more to do these days. Our houses are bigger and our toys more sophisticated, so there’s more to maintain. On the other hand, we can buy prepackaged salads and don’t have to shell peas anymore. Our cars don’t need oil changes nearly as often, andour ovens self-clean. But between…

Join Us For An Evening With The American Chef

August 13, 2014

Ambassador Client Event Like None Other Enjoy a feast for the body and the mind as Chef Walter Scheib shares a sampling of his exquisite culinary expertise, as well as stories of his time serving in the White House. November 7th, 2014 at 6:30 PM at The Grand America Hotel in Salt Lake City, Utah.…

Lessons We Can Learn from Youthful Transgression

August 12, 2014

These days it seems that few people from age 10 to 20 can be seen without a cell phone in hand. Now that school is out, parents complain of adolescent boys spending the summer playing video games, while girls are having full-on tête-à-têtes in 160-character text messages. One positive way to look at it is…

Some Ways to “Tighten the Belt”

August 7, 2014

If you had to cut back your spending, where would you do it? This question has a way of reflecting our values as much as it does our practicality. One recent study found that when workers started feeling even a little unsure about their job security, they began to cut back spending as a coping…

Fed Dovetail

August 5, 2014

In consideration of the current labor force participation rate and the fact that many discouraged workers may re-enter the job market, Scott Minerd — Global CIO at Guggenheim Partners —recently predicted the Federal Open Market Committee (FOMC) won’t increase interest rates until as late as early 2016. [ CLICK HERE to view the video, “U.S.…

Borrowing from Your 401(k)

July 31, 2014

It is common today for employers to allow workers to take loans from their 401(k) account. While employers are not required to permit these loans, in any given five-year period, as many as 40 percent of employees may borrow money from their 401(k) accounts.* When you borrow from you 401(k), you must pay back the…

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