January 07, 2019 | Dean Hedeker Wealth Manager | Main Office

How the Tax Laws for Divorce Will Turn Upside Down in 2019

The 4 key changes and how splitting couples should plan for them.

Nobody ever said going through divorce is easy. Aside from the normal emotions of a broken relationship and family, there's the paperwork, the attorneys, the courts and, of course, the money. As if dividing up assets wasn't difficult enough, new tax changes taking effect in January 2019 could add a significant amount of stress to divorces after this year.

Here's what you need to know if you think you might divorce in 2019 or beyond:


January 02, 2019 | John D Spooner | Main Office

Dividends do matter. Memo from one of the Top 100 Investment Advisors in America.

John D. Spooner has been chosen by Barron's in 2006 as one of the Top 100 Investment Advisors in America. He is an Author, Managing Director, Wealth Management at Morgan Stanley and is the founder of The Spooner Group, based in Boston.

December 27, 2018 | Freya Allen Shoffner, Esquire | Main Office
December 13, 2018 | Freya Allen Shoffner, Esquire | Main Office

When to Buy Long Term Care Insurance

Insurance is a gamble. That is the nature of all insurance. There are many factors to consider when buying insurance. One factor to consider with long term care insurance is when to buy it. You buy it for a potential future need. Delaying buying a policy will increase your monthly premiums and typically cost you more in the long run.

If you wait until you need long term care you are already too late. Insurance companies will not sell you a policy at that point. Remember insurance is for future need.

Once your health has become compromised your premiums for a new insurance policy will go up. Insurance companies will raise their premiums by 15% - 75% for a new policy with the same benefits if your health is compromised. There are some preexisting conditions which will preclude insurance companies from offering insurance to individuals.
December 07, 2018 | Freya Allen Shoffner, Esquire | Main Office
Year End IRA Reminders
IRAs are wonderful tools for both investing for retirement and for tax planning. There are traditional IRAs and Roth IRAs. Traditional IRA's offer tax deductions on before-tax contributions, tax deferred growth, and taxable distribution. Roth IRAs involve after-tax contributions with tax free growth and distribution. Your personal financial status will determine which type of IRA is best for you. Both types of IRAs do have contribution regulations in common.

December 05, 2018 | Freya Allen Shoffner, Esquire | Main Office
Keep your holidays happy. Do what you can to prevent fraud. The holiday season is a time ripe for fraud. We are constantly using our credit cards and electronic banking for gifts, donations, end of year bills, and more. This increased use also means an increase in our vulnerability to credit card and bank fraud. There are some simple things you can do to minimize this risk.
November 30, 2018 | Freya Allen Shoffner, Esquire | Main Office

A Bad Job or a Bad Boss

Employees are critical to any organization. Make sure they feel that way. A bad or ineffective boss gives rise to employee dissatisfaction, poor performance, and attrition.
November 29, 2018 | Freya Allen Shoffner, Esquire | Main Office

Public Warning from The IRS and Security Summit Partners.

The IRS and Security Summit partners recently warned the public of a problematic scam affecting businesses. A surge of fraudulent emails impersonating the IRS and using tax transcripts as bait to entice users to open documents containing malware are on the rise. If a business's employees open the malware, it can spread throughout the network and potentially take months to successfully remove.
November 21, 2018 | Freya Allen Shoffner, Esquire | Main Office

The Thanksgiving Table Is The Perfect Forum To Discuss Estate Planning. Do not be a turkey -- gather up the courage to raise these important topics.

November 20, 2018 | Freya Shoffner | Main Office

Freya Allen Shoffner, Esq.

Principal Attorney, Shoffner & Associates

Freya Allen Shoffner offers practical, effective solutions for businesses, families and individuals on a wide variety of legal matters. Freya has strong experience in the areas of business and corporate law, tax, estate and long-term planning, probate, litigation, bankruptcy, real estate, and traditional and alternative family matters. She helps both for-profit and non-profit businesses in many industries including medical, retail, hospitality, real estate and technology.

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