News and Commentary

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LPL Financial Research – Outlook 2016

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When Life Insurance Becomes Taxable

Consider these facts on aging from the 2010 Census¹: The highest growth rate for a 10-year age group within the older population (age 65+) was for men 85 to 94 years old (+46.5 percent). Women in this age group grew by 22.9 percent. Men 90 to 94 years old had the fastest growth rate (+50.3 [...]

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Insuring Your Second Home

Vacation home sales jumped 57% to an estimated 1.13 million for the 12-month period ended December 31, 2014, exceeding the recent peak level reached in 2006.¹ When it comes to insuring your second home, you may find that the coverage you need is quite different than what you have on your primary home. The Unique [...]

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File-and-Suspend, Suspended

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Social Security Benefits: How Much Will I Receive

Next to “When should I claim Social Security benefits?” one of the more common questions people have is “How much will I receive?” Calculating your potential Social Security benefit is a three-step process: Calculate Your Average Indexed Monthly Earnings (AIME): The highest 35 years of indexed earnings is added together. It is then divided by [...]

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The Value of Insuring Against Life’s Risks

Did you know that... Approximately 100 million American workers have no private disability income protection,¹ 30 percent of U.S. households have no life insurance,² and About one in eight drivers are uninsured?³ If you ask a homeowner, replacing a roof is probably the least satisfying expense he or she will ever face. While the value [...]

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Creative Ways to Motivate Your Employees

The common thread that runs through all small businesses, from professional services to manufacturing, is that a motivated workforce is central to your business’s success. Here are some quick, inexpensive, and potentially effective ways to motivate your employees and improve your employee retention. Weekly “Good News” Emails Too often the business day can be about [...]

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Six Most Overlooked Tax Deductions

Who among us wants to pay the IRS more taxes than we have to?¹ While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let’s take a quick look at the six most overlooked opportunities to manage your tax bill. Reinvested Dividends: When your [...]

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“Dirty Dozen” Tax Scams to Watch For

Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ The 2015 “Dirty Dozen” Identity Theft Using your personal information, an identity thief can file a fraudulent tax return and claim a refund. If you’ve been a victim of [...]

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Red Flags for Tax Auditors

No one wants to see an Internal Revenue Service (IRS) auditor show up at his or her door. The IRS can’t audit every American’s tax return, so it relies on guidelines to select the ones most deserving of its attention. Here are six flags that may make your tax return prime for an IRS audit.¹ [...]

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