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MJS Blog

Even Scholarly Statistics Can Be Their Own Form of Click Bait

March 7, 2019
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Click bait – those online headlines you can’t resist. Even scholarly statistics can be twisted in a way that tells a story the author wants you to hear. This post shares a timely example and the lesson to walk away with.

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Ten-Years Since the Great Recession - Will History Repeat Itself?

October 10, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Ten years after the day that set in motion the Great Recession, the U.S. is experiencing another record-breaking series of positive historic events. Some are taking this opportunity to analyze the past decade and prepare for any “historic” experiences that may arise in the future. We recommend this tip as they do so.

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The Unique Considerations for Blended Families When Calculating Life Insurance

October 3, 2018
Jacob Jaegle, CFP®

The need for life insurance can go beyond simply replacing income. What is becoming a much more regular conversation is the increase need of life insurance for blended families. This post discusses factors to consider and shares a helpful case study.

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Newly Proposed Regulations from the TCJA

September 18, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Last month, the IRS released proposed regulations regarding the new 20 percent deduction on qualified business income (QBI) for passthrough businesses. This post describes at what the new regulations state, including what categorizes a Specified Service Trade or Business (SSTB), which are not eligible for QBI deduction if they have higher income.

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The First Step to Understanding the New QBI Deduction of the TCJA

September 6, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

A new tax deduction from the recent Tax Cuts & Jobs Act is a huge tax break for many business owners, yet complicated to understand. In this post we will look closely at what the 199A deduction is, what it means for businesses, and how to use strategies to help optimize deductions.

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An Evidence-Based Approach to Sustainable Investing Part II: Degrees of “Doing Good”

August 22, 2018
Drew Harper, CFA, CFP®

This last of a two-part post explains some of the ways the industry applies an organization’s Environmental, Social and Governance (ESG) ratings into sustainable investment strategies. It discuss how investors can incorporate a range of investment solutions that utilize these strategies to varying degrees.

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An Evidence-Based Approach to Sustainable Investing -Part I: Setting the Sustainable Stage

August 16, 2018
Drew Harper, CFA, CFP®

In this first of a two-part post, I bring sustainable investing into tighter focus. I'll introduce a few key terms and summarize how sustainable investment priorities may vary depending on individual goals.

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As Investors, Who Really Has Your Best Interest?

August 8, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

In March, a ruling shut down a law that would have required investment advisers to act as fiduciaries. This means that investment advisers are not required to act in the best interest of the party whose assets they are managing. It’s more important than ever to make sure you ask the right questions of your financial advisor.

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What It Means to Be CIMA® Certified

August 1, 2018
Tom Jacobsen, MBA

There are hundreds of credentials in the marketplace, and we believe not all are created equal. In this blog post, I explain the rigorous requirements for a Certified Investment Management Analyst (CIMA®) professional, the members of our team who hold this credential, and what it means for you.

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Explore the Benefits of Using a Trustee Agent

July 18, 2018

The role of trustee can be stressful, take up a lot of time, and be associated with a great deal of personal liability.This blog post highlights how the Raymond James Trust Company, as well as our team, can help with carrying out trustee duties.

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For Love & Money: Successfully Pursuing Financial Goals as a Young Couple

February 21, 2019
Drew Barnes, CFP®

Studies show that for a majority of Millennial couples, financial decisions are a source of tension. Sharing financial goals and then planning for them is critical to achieving financial peace of mind. This post shares some guidelines to get the conversation rolling.

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What the Stock Market Would Tell You, If It Could Talk

February 5, 2019
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Feeling anxious about the financial events of 2018? You're not alone. In this post, we share our in-depth research of the stock market to shine a little light on the past in hopes of helping you look at the future with more objectivity. You'll learn why we feel positive for the coming year.

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Creating Smart Resolutions for Your Financial Future

January 15, 2019
Jacob Jaegle, CFP®

We often hear from our clients that their children or grandchildren use the turn of the year to make financial resolutions. However, statistics show less than 10 percent of resolution-makers actually achieve their goals. This post shares some tips to help your next generation succeed.

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What the New Standard Deduction Means for Charitable Giving – and You

December 21, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

The Tax Cuts and Jobs Act, passed in December 2017, doubled the standard deduction, making it harder to claim the tax deduction for charitable contributions. While organizations know donors aren’t solely motivated by tax incentives, this post outlines options that may still be available to help with your taxes.

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Retiring Early – Is Financial Independence Possible?

December 5, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Is your goal to have financial independence a lot earlier than the normal retirement age? Before you make any decisions on your retirement strategy, read through these varying points of view and keep these considerations in mind.

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There’s a Chance You’ll Have to Retire Early – Stay Prepared

November 15, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

According to a recent survey, nearly half of retirees left the workplace sooner than they had planned. To help ensure you enjoy your soon-to-be retirement - especially as some situations happen unexpectedly – we have highlighted some key points that will help provide financial security later in life.

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What the New Standard Deduction Means for Charitable Giving – and You

December 21, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

The Tax Cuts and Jobs Act, passed in December 2017, doubled the standard deduction, making it harder to claim the tax deduction for charitable contributions. While organizations know donors aren’t solely motivated by tax incentives, this post outlines options that may still be available to help with your taxes.

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Retiring Early – Is Financial Independence Possible?

December 5, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

Is your goal to have financial independence a lot earlier than the normal retirement age? Before you make any decisions on your retirement strategy, read through these varying points of view and keep these considerations in mind.

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There’s a Chance You’ll Have to Retire Early – Stay Prepared

November 15, 2018
Mark J. Smith, CFP®, CPA/PFS, CIMA®

According to a recent survey, nearly half of retirees left the workplace sooner than they had planned. To help ensure you enjoy your soon-to-be retirement - especially as some situations happen unexpectedly – we have highlighted some key points that will help provide financial security later in life.

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