NEWS & RESOURCES
Clelan and Company Video Series
Are you ready to increase your understanding of current topics and their effect on your finances? Or looking for additional resources? You are at the right place! We encourage you to click on one of the video or article links below.
Asset Allocations - Is the 60/40 Strategy Dead?
Asset allocation is a fundamental part of effectively and efficiently managing your portfolio. Click here to watch Doug as he discusses asset allocation and the resurgence of the 60/40 strategy. Interested in learning more? We encourage you to contact us and read the additional resources below.
- Improving Portfolio Performance with Asset Allocation
- Changing Allocations as Your Goals or Time Horizons Change
SECURE Act 2.0 - New Legislative Changes
In the last session of 2022, Congress passed legislation, referred to as SECURE 2.0. Click here to watch Andrew Kern highlight some of the new planning opportunities that exist for investors and what legislative changes may affect you. Interested in learning more? We encourage you to contact us and take advantage of the additional resources below.
- What Important Issues Should I Consider Regarding Changes Made by the SECURE Act 2.0?
- How the Change in Retirement Laws Will Affect You
- Four Exciting Aspects of the SECURE Act 2.0
Legislation is changing. Markets are volatile. Decisions are complicated. Strategies exist. Click here to watch Andrew Kern discuss some strategies that are growing in popularity. Interested in learning more? We encourage you to click on the additional resources below.
- Should I Consider Doing a Roth Conversion?
- SECURE Act Changed IRA and Retirement Plan Inheritance Rules
- Charitable Contributions from IRAs
- Can I Do a Qualified Charitable Distribution from My IRA?
- Charity as Beneficiary of Traditional IRA or Retirement Plan
- What Issues Should I Consider When Establishing My Charitable Giving Strategy?
How Does the Current Economic and Geopolitical Climate Impact You?
Click here to watch Doug Clelan and Andrew Kern share some thoughts on the current economic and geopolitical climate and how this impacts you. Interested in learning more? We encourage you to click on the additional resources below.
- On the Mark - The Uncertainty of War
- Hank the Tank and Bear Markets
- What Issues Should I Consider During a Recession or Market Correction?
Seamless Stewardship - There is nothing more important than the people you love. After we are gone, it is the memories shared and how we impacted the lives of others that lives on. How do you give your final gift to the stewards of the legacy you have created? How do you make that transition as seamless as possible so that the details can be replaced with smiles and memories that bring joy? Click here to watch Liana Bateman answer these questions as she explains Clelan and Company's comprehensive tool that we are calling Seamless Stewardship.
Click here to watch Andrew Kern explain what a Qualified Charitable Distribution (QCD) is and how it may provide tax benefits. Interested in digging deeper? We encourage you to read the articles below.
Click here to watch Andrew Kern explain some trends regarding Retirement Spending Patterns, including the Retirement "Smile". Interested in digging deeper? We encourage you to read the articles below.
- The Retirement Spending Smile - Estimating Changes in Retirement Expenditures
- The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates
Click here to learn from Doug Clelan why concerns and questions over Inflation have increased. Interested in understanding how inflation may affect you or what history shows us? Learn more in the articles below.
- Inflation and Asset Performance: A Review of the Past 48 Years
- How Big a Risk is Inflation Really?
- Inflation vs. Bank CDs vs. The Mattress
Click here to watch Andrew Kern as he discusses Retirement Income, acknowledging some dangers that may exist to retirees and questions you should be asking as you plan your retirement.
- How Much Annual Income Can Your Retirement Portfolio Provide?
- Eleven Smart Moves to Make Your Money Last in Retirement
- Creating an Income Plan While in Retirement
- Converting Savings to Retirement Income
- Twelve Strategies to Generate Income in Retirement
Click here to watch our fifth video with Doug Clelan providing Three Key Takeaways related to Medicare, a topic of interest even if you are not yet 65 years old.
- Medicare Overview
- Making Decisions About Medicare
- Pre-Medicare Planning: 6 Caveats to Watch Out For
- Medicare Advantage: Understanding the Risks
- Appealing the IRMAA (Income Related Monthly Adjustment Amount)
Click here to watch our fourth video where Andrew Kern looks at College Education Planning and provides some information about the rising costs of college and what financial vehicles you may be interested in utilizing for the cost of your children or grandchildren's college education.
- Saving for College
- 529 College Saving Plans
- 529 Plans and Estate Planning
- Financial Aid 101
- Federal Student Loans: Direct and PLUS Loans
- How Grandparents Can Help Grandchildren with College Costs
- 6 Ways to Cut Costs of College
Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investing in any state's 529 Plan.
Click here to watch our third video where Doug Clelan provides some information on Roth IRA Conversions. Interested in learning more? Please see the articles below to help determine if this is something you may want to pursue.
- Converting or Rolling Over Traditional IRAs to Roth IRAs
- Is Now a Good Time to Consider a Roth Conversion?
- Roth Conversion Opportunities in Difficult Times
Serial Roth Conversion:The Actual Numbers, Benefits of Multiple Strategies
Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.
Click here to watch our second video where Andrew Kern provides some information on Donor-Advised Funds, along with three examples of when this investment vehicle may be something for our clients to consider. Interested in learning more? Please select one of the articles below to read additional insight.
- Donor-Advised Funds
- What is a Donor-Advised Fund?
- How a Donor-Advised Fund Works
- Is a Donor-Advised Fund Right for You?
- The Bodacious Benefits of a Donor-Advised Fund
Generally, a donor advised fund is a separately identified fund or account that is maintained and operated by a section 501(c)(3) organization, which is called a sponsoring organization. Each account is composed of contributions made by individual donors. Once the donor makes the contribution, the organization has legal control over it. However, the donor, or the donor's representative, retains advisory privileges with respect to the distribution of funds and the investment of assets in the account. Donors take a tax deduction for all contributions at the time they are made, even though the money may not be dispersed to a charity until much later.
Click here to watch our first video where Doug Clelan shares some thoughts on how a Presidential Election may influence the actions you take related to your investments. Interested in learning more? Please select one of the articles below to read additional insight.
- 2020 Election - Ten Truths No Matter Who Wins
- Elections Come and Go
- On the Mark - Elections and the Markets
Clelan and Company can offer compelling seminars for your company or group. Check out the list below and let us know if you are interested in hosting a seminar:
Below you'll find our latest e-Newsletter archives. You can subscribe to our free monthly eNewsletter on our Contact Us page.
First Quarter 2024
- Clelan Corner - Doug Clelan
- Six Wise Ways to Use Your Tax Refund
- Do You Have These Key Estate Planning Documents?
- SoSEPPs Allow Penalty-Free Access to Retirement Savings at Any Age
- Can Your Personality Influence Your Portfolio?
Fourth Quarter 2023
- Clelan Corner
- Five Things That Actually Get Better with Age
- Coming in 2024: New 529 Plan-to-Roth IRA Rollover Option
- Rescuing America's Safety Net
- Put Your Money Where Your Values Are
- Milestone Birthdays for Retirement-Planning Purposes
- Saving for Retirement Health-Care Costs
Second Quarter 2023
- Clelan Corner - Wendy Paul
- Inflation's Two Silver Linings for Retirees
- 50 and Older? Here's Your Chance to Catch Up on Retirement Savings
- How Taxes Impact Your Retirement-Income Strategy
- The Hidden Virtue of the RMD
- Protecting Your Business Against the Loss of a Key Person
- Time for a Spring Cleanup: Organizing Your Financial Records
First Quarter 2023
- Clelan Corner - Sara Battaglia
- Donor-Advised Funds Combine Charitable Impact with Tax Benefits
- Three Stretch IRA Alternatives
- Double Up With a Spousal IRA
- Tips for Safe Online Shopping
- Four Tips for Keeping Heating Costs Down This Winter
- Virtual Health Care is Here to Stay
Fourth Quarter 2022
- Clelan Corner - Liana Bateman
- How Life Insurance Could Help Mitigate Taxes in Retirement
- Dividends for Income and Total Returns
- Finding Forgotten Funds
- Moving Fraud: Be Careful if You're Moving to a New Home
- The Potential Benefits of Roth IRAs for Children
- Famous People Who Died Without Proper Planning
Third Quarter 2022
- New! Clelan Corner - Brenda Holston
- Inflation Varies According to Your Age and Spending
- Food Inflation: What's Behind It and How to Cope
- Working While Receiving Social Security Benefits
- What's the Difference Between Medicare and Medicaid?
- Gold: Inflation Hedge or Just Another Commodity?
Second Quarter 2022
- What Do Rising Interest Rates Mean for Your Money?
- What Causes Inflation and What To Do About It
- Baseball Lessons That Might Help Change Up Your Finances
- Splurge or Save? Making the Most of Your Income Tax Refund
- How to Correct an Error on Your Credit Report
At Clelan and Company, we know firsthand the upswings and the downdrafts of career, business ownership, and family life. Achieving balance is difficult. We also know that those shifting from the accumulation to the income and preservation stage of life want to minimize turbulence and experience clear sailing. They want the freedom of mind to enjoy their passions.
Achieving such a state doesn’t just happen, but we know the flight path to help you get there.
We start with a personalized plan—nothing cookie cutter here. And we communicate and connect with you in a meaningful way, knowing that you are the most important navigator of your own destiny.
Reaching your financial destination starts with a well designed plan, putting a smart team in place, and ensuring the vehicle to help get you there is fueled and ready. All you should have to do is climb aboard.
Learn more about our process