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Ferguson Financial Inc.
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New Blog Post Why the U.S. Might Be Less Affected by a Trade War - The nature of our economy could help it withstand the disruption.   Provided by Greg Ferguson   A trade war does seem to be getting underway. Investors around the world see headwinds arising from newly enacted and planned tariffs, headwinds that could potentially exert a drag on global growth (and stock markets). How badly could these trade disputes hurt the American economy? Perhaps not as dramatically as some journalists a...
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New Blog Post Are Changes Ahead for Workplace Retirement Accounts? - A bill now in Congress proposes to alter some longstanding rules.   Provided by Greg Ferguson   Most Americans are not saving enough for retirement, despite ongoing encouragement to do so (and recurring warnings about what may happen if they do not). This year, lawmakers are also addressing this problem, with a bill proposing big changes to IRAs and workplace retirement plans.   read more
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New Blog Post Save & Invest Even if Money Is Tight - For millennials, today is the right time.   Provided by Greg Ferguson   If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential advantages of an early start. read more
Save & Invest Even if Money Is Tight
Save & Invest Even if Money Is Tight
fergusonfinancialinc.com
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New Blog Post Should You Leave Your IRA to a Child? - What you should know about naming a minor as an IRA beneficiary.   Provided by Greg Ferguson    Can a child inherit an IRA? The answer is yes, though they cannot legally own the IRA and its invested assets. Until the child turns 18 (or 21, in some states), the inherited IRA is a custodial account, managed by an adult on behalf of the minor beneficiary.1,2 read more
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New Blog Post The Case for Women Working Past 65 - Why striving to stay in the workforce a little longer may make financial sense.   Provided by Greg Ferguson    The median retirement age for an American woman is 62. The Federal Reserve says so in its most recent Survey of Household Economics and Decisionmaking (2017). Sixty-two, of course, is the age when seniors first become eligible for Social Security retirement benefits. This factoid seems to convey a message: a fair amount of American...
The Case for Women Working Past 65
The Case for Women Working Past 65
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New Blog Post Who Is Your Trusted Contact? - Who Is Your Trusted Contact? This vital investment account question should be answered sooner rather than later.   Provided by Greg Ferguson    Investment firms have a new client service requirement. They must now ask you if you want to provide the name and information of a trusted contact.1   read more
Who Is Your Trusted Contact?
Who Is Your Trusted Contact?
fergusonfinancialinc.com
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New Blog Post Still Procrastinating About Your Financial Plan? - Some things to think about as you get started with your strategy.   Provided by Greg Ferguson   First, look at your expenses and your debt. Review your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt shrinks, and expenses decrease or stabilize.    read more
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New Blog Post Are Financial Advisory Fees Tax Deductible? - The miscellaneous itemized deduction is gone, but effective tax breaks remain.   Provided by Greg Ferguson   Before 2018, you could partly or fully deduct investment advisory fees on your federal income tax return. When the Tax Cuts and Jobs Act was passed, however, the miscellaneous itemized deduction for investment fees and expenses vanished.1   read more
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New Blog Post Why Medicare Should Be Part of Your Retirement Planning -     Provided by Greg Ferguson   Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options and their costs and limitations.     read more
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New Blog Post How New Tax Laws Affect Small Businesses -   A recap of the major changes impacting corporations and closely held firms.   Provided by Greg Ferguson   The Tax Cuts & Jobs Act changed the tax picture for business owners. Whether your company is incorporated or held closely, you must recognize how the recent adjustments to the Internal Revenue Code can potentially affect you and your workers.     read more
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