NEWS & RESOURCES
New Clelan and Company Video Series!
Interested in learning more about current topics? You are at the right place!
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 and 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's advisors have written and published numerous articles. Some of those can be found below.
- Financial Planning - Distribution Planning
- Maximizing Your 401(k) Through a Safe Harbor
- Knowing When to Reassess Your Company's Retirement Plan
- The Gift of Life Insurance
- Long-Term Care: Crisis Looming
- Insurance in the Current Estate Tax Environment
- Don't Overlook the Benefits of Life Insurance
- An Alternative to Employee Stock Transfers
- Creative Uses of Life Insurance for the Business Owner
- An Important Time to Revisit Your Life Insurance Products
- Beware: Deferred Compensation Plans May Not Be What You Think
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.
Second Quarter 2021
- A Financial Wellness Plan Can Help Pave the Road to Retirement
- Socially Responsible Investing: Aligning Your Money with Your Values
- Sharing Your Money Values Can Be Part of Your Legacy
- Are Value Stocks Poised for a Comeback?
- Tips to Help Control Your Finances During the Pandemic
- Test Your Knowledge of College Financial Aid
First Quarter 2021
- Seeking Sun or Savings: Explore a Retirement Move
- Five Tips to Regain Your Retirement Savings Focus in 2021
- Four Steps to Rebuilding Your Business
- Sequence Risk: Preparing to Retire in a Down Market
- Surge in COVID-19 Scams
- Estate Planning Strategies in a Low-Interest-Rate Environment
Fourth Quarter 2020
- Is it Time to Think About Tax-Free Income?
- Five Investment Tasks to Tackle by Year-End
- Printing Money: The Fed's Bond-Buying Program
- Is Now a Good Time to Consider a Roth Conversion?
- Portfolio Performance: Choose Your Benchmarks Wisely
- Incapacity and Advance Medical Directives
- Year-End Tax Tips for 2020
Third Quarter 2020
- Investor Psychology: Behavioral Biases That Can Lead to Costly Mistakes
- Ideas for Living Well: Improving our Emotional and Financial Health During COVID-19
- Mid-Year is a Good Time to Fine-Tune Your Finances
- Turbulent Times: Bear Markets Come and Go
- Tapping Retirement Savings During a Financial Crisis
- How Long Should You Keep Financial Records
Second Quarter 2020
- CARES Act Provides Relief to Individuals and Businesses
- SECURE Act Offers New Opportunities for Individuals and Businesses
- Coping with Market Volatility: Could This Be a Chance to Rebalance at a Discount?
- Do Target-Date Funds Hit the Bull's-Eye for You?
- Is it Time to Review Your IRA Estate Planning Strategies?
- Should I Sign Up for an Identity Theft Protection Service?
First Quarter 2020
- Clelan and Company Celebrates 30th Anniversary
- Take this Quiz: Social Security Retirement Earnings Test
- Three Regrets of Retirees
- FIRE: Four Things You Need to Know About this Hot Retirement Movement
- What to Do After the Death of a Loved One
- Estate Planning: Considering the Tax Basis of Gifted or Inherited Property
Fourth Quarter 2019
- What Health Services Aren't Covered by Medicare?
- Life Insurance with Long-Term Care Benefits
- What are the Warning Signs of Financial Scams Targeting Older Individuals?
- How Much will Health Care Cost?
- Market Strategies: Three Ways to Play Defense in Your Stock Portfolio
- Five Retirement Lessons from Today's Retirees
Third Quarter 2019
- Quiz: Social Security Benefits
- Rules on Opening a 529 Plan Account for College
- Balancing Your Investment Choices with Asset Allocation
- How Does the Federal Reserve Affect the Economy?
- How to Recover from a Mid-Life Financial Crisis
- How Much Money Should A Family Borrow for College
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