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Source: https://ocmoneymanagers.com/feed/

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<title>The Dangers of Investing Apps</title>
<link>https://ocmoneymanagers.com/the-dangers-of-investing-apps/</link>
<comments>https://ocmoneymanagers.com/the-dangers-of-investing-apps/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 29 Apr 2024 21:04:58 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[customer support]]></category>
<category><![CDATA[emotional decisions]]></category>
<category><![CDATA[long-term goals]]></category>
<category><![CDATA[risk tolerance]]></category>
<category><![CDATA[taxable accounts]]></category>
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<description><![CDATA[The Dangers of Investing Apps Presented by Marc Aarons   I’m often asked about investment apps–whether they’re a solid option, the pros and cons, etc. In the event you have wondered the same, I thought I’d reach out with the answers and advice I offer my friends, family, and clients.   The big picture is […]
The post <a href="https://ocmoneymanagers.com/the-dangers-of-investing-apps/">The Dangers of Investing Apps</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">The Dangers of Investing Apps</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I’m often asked about investment apps–whether they’re a solid option, the pros and cons, etc. In the event you have wondered the same, I thought I’d reach out with the answers and advice I offer my friends, family, and clients.
 
The big picture is this: Investment apps are okay for a small pool of side money, but they aren’t ideal for reaching your long-term goals. Here’s why.
<ol>
<li>Apps tend to gamify investing, and while that can add to the excitement, it also makes it easy for users to get in over their heads. The colorful interfaces and push notifications can lead investors to check their balances too often. Too much looking causes many long-term investors to be too sensitive to short-term market moves that nudge them to make quick, emotional decisions.</li>
<li>They ignore the recommended “order” of investing. <a href="https://www.ramseysolutions.com/retirement/micro-investing">Tax-advantaged options like 401(k)s and individual retirement accounts (IRAs) should come first</a> in your investment planning. Apps usually only offer taxable brokerage accounts, directing dollars away from the tax-free or tax-deferred growth of traditional and Roth IRAs.</li>
<li>Risk is always present in investing, but <a href="https://www.boldbusiness.com/digital/personal-investment-apps-booming/">investment apps often fail to assess a user’s risk tolerance accurately</a>. Additionally, they don’t follow up to verify a person truly understood the risks involved.</li>
<li>Apps <a href="https://www.cnbc.com/2021/02/05/ftc-sees-surge-in-robinhood-complaints-as-clients-claim-they-cant-leave-the-app.html">force you to give up personal, one-to-one customer support</a>. Conversely, when you invest with a broker and have a question or concern, you simply call and speak with your advisor. This is not always the case with investing apps, which may only offer email support.</li>
</ol>
Savvy investors realize that the purpose of investing isn’t to make quick profits but to put their money to work in a way that aligns with their short- and long-term goals and dreams.
If you’d like to discuss how you can best save for retirement, college expenses for your children or grandchildren, or a new home, give me a call or reply to this email. I’d love to review your portfolio and offer a free in-person consultation to help you maximize your earnings.
Reach out today–I look forward to hearing from you.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/the-dangers-of-investing-apps/">The Dangers of Investing Apps</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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<post-id xmlns="com-wordpress:feed-additions:1">7323</post-id> </item>
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<title>Estate Tax Exemption Sunsetting in 2026</title>
<link>https://ocmoneymanagers.com/estate-tax-exemption-sunsetting-in-2026/</link>
<comments>https://ocmoneymanagers.com/estate-tax-exemption-sunsetting-in-2026/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 22 Apr 2024 18:22:46 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[2026 sunset]]></category>
<category><![CDATA[estate tax]]></category>
<category><![CDATA[exclusions]]></category>
<category><![CDATA[Exemptions]]></category>
<category><![CDATA[gifts]]></category>
<category><![CDATA[trusts]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7320</guid>
<description><![CDATA[Estate Tax Exemption Sunsetting in 2026 Presented by Marc Aarons   I’m reaching out to make sure you’re aware of changes to the estate tax exemption that will take effect in 2026 due to the sunsetting provisions of the Tax Cuts and Jobs Act (TCJA). Though 2026 seems far away, it’s essential to start preparing […]
The post <a href="https://ocmoneymanagers.com/estate-tax-exemption-sunsetting-in-2026/">Estate Tax Exemption Sunsetting in 2026</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">Estate Tax Exemption Sunsetting in 2026</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I’m reaching out to make sure you’re aware of changes to the estate tax exemption that will take effect in 2026 due to the sunsetting provisions of the Tax Cuts and Jobs Act (TCJA).
Though 2026 seems far away, it’s essential to start preparing now for such sweeping changes, even if Congress modifies or extends current provisions in the interim.
With that in mind, here’s the latest on the estate tax exemption.
 
The Big Picture 
 
For 2024, individuals can benefit from a lifetime estate and gift tax exemption of approximately $13.61 million, allowing for significant tax-free gifts during their lifetime or after passing.
Starting in 2026, however, this exemption is <a href="https://www.irs.gov/newsroom/estate-and-gift-tax-faqs">set to revert</a> to its previous level of $5 million (which will be adjusted for inflation to an estimated $7 million), significantly reducing tax-free gifts.
 
The Potential Repercussions
 
This reversion could lead to significant tax liabilities for those whose estates surpass the reduced exemption limit. If your assets exceed this threshold, your heirs could find themselves with a hefty tax burden. 
 
Our Proactive Approach
 
While this change may appear daunting, it presents an opportunity to take proactive measures now. Today’s exemption level allows us to redistribute your wealth to minimize tax implications in 2026 by utilizing gifting strategies, leveraging educational or medical exclusions, and/or establishing trusts.
Additionally, the 2024 presidential election could bring further tax law changes, adding complexity to the 2026 sunset scenario.
As these changes approach, rest assured I’m here to provide guidance every step of the way. Estate planning is not just about numbers; it’s also about your goals and the legacy you desire to leave for your loved ones.
 
Reach out at your convenience so we can explore your options in light of the coming changes. I look forward to hearing from you.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/estate-tax-exemption-sunsetting-in-2026/">Estate Tax Exemption Sunsetting in 2026</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></content:encoded>
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<slash:comments>0</slash:comments>
<post-id xmlns="com-wordpress:feed-additions:1">7320</post-id> </item>
<item>
<title>401(k) After-Tax Contributions</title>
<link>https://ocmoneymanagers.com/401k-after-tax-contributions/</link>
<comments>https://ocmoneymanagers.com/401k-after-tax-contributions/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 15 Apr 2024 19:03:04 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[401k]]></category>
<category><![CDATA[after-tax]]></category>
<category><![CDATA[Conversion]]></category>
<category><![CDATA[mega backdoor Roth]]></category>
<category><![CDATA[Roth IRA]]></category>
<category><![CDATA[Tax Free]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7315</guid>
<description><![CDATA[401(k) After-Tax Contributions Presented by Marc Aarons   I have noticed increasing interest in the benefits of after-tax 401(k) contributions among my general client base. To get ahead of any questions you might have, I put together a succinct overview of after-tax 401K contributions. I encourage you to review the information below. As always, I […]
The post <a href="https://ocmoneymanagers.com/401k-after-tax-contributions/">401(k) After-Tax Contributions</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">401(k) After-Tax Contributions</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I have noticed increasing interest in the benefits of after-tax 401(k) contributions among my general client base.
To get ahead of any questions you might have, I put together a succinct overview of after-tax 401K contributions. I encourage you to review the information below. As always, I am happy to answer any follow-up questions you may have.
 
How do after-tax 401(k) contributions work?
After-tax contributions allow you to save beyond the standard 401(k) limits by contributing money for which you have already paid taxes. As with a Roth IRA or Roth 401(k), withdrawals on contributions are tax and penalty-free.
However, unlike Roth IRAs, there are no income limits for making after-tax 401(k) contributions, making this a great option for anyone who has maxed out a Roth IRA.
 
Do they work with my 401(k) plan?
Unfortunately, only about one in five 401(k) plans allows for after-tax contributions, but it’s certainly worth contacting your 401(k) provider to determine eligibility if you are interested.
Just 10% of Americans with the option of making after-tax contributions did so in 2022, so it’s possible some of the other 90% were simply not aware it was an option.
 
What are the other key limits and conditions?
In 2024, the regular 401(k) contribution limit is $23,000, with an additional $7,500 catch-up for those 50 and older. You can put an additional $46,000 of after-tax dollars and employer match contributions (if applicable) into your 401(k) account. The maximum total contribution (employee plus employer) is $69,000, or $76,500 for those 50+. This is significantly higher than the Roth IRA contribution, which, this year, is $7,000 or $8,000 if you are 50+.
 
Why to Move After-Tax Contributions
As mentioned earlier, 401(k) after-tax contributions can be withdrawn tax and penalty-free. However, earnings on those contributions are tax-deferred, meaning taxes are due upon withdrawal, and early withdrawals (before age 59½) may incur a 10% penalty. By rolling those contributions into a Roth IRA, you can avoid paying taxes upon withdrawal in retirement.
Other reasons you may consider rolling your after-tax contributions into a Roth IRA include:
<ul>
<li>Unlike traditional IRAs and 401(k)s, Roth IRAs do not require minimum distributions during the account holder’s lifetime, offering more flexibility in retirement planning.</li>
<li>Since Roth IRAs do not have RMDs for the original owner, they can be a strategic tool for passing wealth to heirs more efficiently, potentially tax-free.</li>
</ul>
 
Rolling into a Roth
There are two primary methods for transferring after-tax 401(k) contribution dollars into a Roth account:
<ul>
<li>In-Plan Conversion: This option allows you to convert all or a portion of your 401k into a Roth within the same plan. When you opt for an in-plan conversion, you need to pay taxes on the converted amount. However, like a Roth IRA, your future withdrawals from the Roth will be tax-free. Some plans even include an auto-convert feature that automatically transitions your after-tax contributions into your Roth account.</li>
<li>In-Service Withdrawal: If your employer offers in-service distributions or withdrawals, you have the opportunity to perform a mega backdoor Roth. This involves rolling your after-tax contributions into a Roth IRA that is outside of your current retirement plan.</li>
</ul>
If you have any questions or would like to discuss how this strategy might fit into your financial plan, please don’t hesitate to reach out. I am here to help you navigate these options and make the best decisions for your financial future.

Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/401k-after-tax-contributions/">401(k) After-Tax Contributions</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></content:encoded>
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<post-id xmlns="com-wordpress:feed-additions:1">7315</post-id> </item>
<item>
<title>Estate Planning Trends 2024</title>
<link>https://ocmoneymanagers.com/estate-planning-trends-2024/</link>
<comments>https://ocmoneymanagers.com/estate-planning-trends-2024/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 08 Apr 2024 19:11:28 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[credit shelter trust]]></category>
<category><![CDATA[Estate Plan]]></category>
<category><![CDATA[Life Insurance]]></category>
<category><![CDATA[tax exemption]]></category>
<category><![CDATA[tax rate]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7312</guid>
<description><![CDATA[Estate Planning Trends in 2024 Presented by Marc Aarons   With 2024 in full swing, I am reaching out today with some key estate planning considerations for the year ahead. I encourage you to take a look below and do not hesitate to reach out with any questions.   Tax Changes in 2026 As you […]
The post <a href="https://ocmoneymanagers.com/estate-planning-trends-2024/">Estate Planning Trends 2024</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h3 style="text-align: center;">Estate Planning Trends in 2024</h3>
<h3 style="text-align: center;">Presented by Marc Aarons</h3>
 
With 2024 in full swing, I am reaching out today with some key estate planning considerations for the year ahead. I encourage you to take a look below and do not hesitate to reach out with any questions.
 
Tax Changes in 2026
As you may know, the current tax exemption amount of $13.61 million is scheduled to revert to its previous $5 million threshold in 2026 (likely adjusted for inflation to $7 million). The Biden Administration has proposed further lowering the current lifetime estate and gift tax exemption amount to $3.5 million and increasing the estate tax rate from 40 to 45%.
Under current law, if someone’s estate is valued at $10 million at time of death, there would be no federal tax owed since the estate falls below the $13.61 million exception. However, this same person would likely owe taxes on $3 million of the $10 million estate if the current exemption level is sunsetted in 2026 as expected, with the $3 million taxed at 40% (or 45% if the Biden Administration’s proposal becomes law).
Depending on your goals and current financial situation, strategic planning before the exemption reduction can help maximize the current higher exemption levels, as demonstrated in the example above. Below, I’ve outlined just a few strategies to consider before 2026:
<ul>
<li>Spousal Lifetime Access Trust (SLAT): This irrevocable trust allows one spouse to transfer wealth to the other while excluding future appreciation from estate taxes. The beneficiary spouse retains limited access to the assets, offering flexibility. However, the donor spouse cannot benefit directly from the assets in the SLAT and must have sufficient other assets for their needs. It’s important for the donor spouse to have enough funds outside of the SLAT to meet all of their financial obligations and needs.</li>
<li>Credit Shelter Trust (CST): Upon the death of one spouse, a portion of their assets goes into this trust and is passed to beneficiaries after the surviving spouse’s death. The trust shields the assets from estate taxes upon the second spouse’s death. A possible downside is the potential for higher income taxes for beneficiaries, as assets in the trust receive only one step-up in basis. As a result, when beneficiaries sell these assets, they might face higher capital gains taxes due to the increased difference between the asset’s original basis and its sale price.</li>
<li>Permanent Life Insurance: This type of insurance provides lifetime coverage as long as premiums are paid. Unlike term life insurance, which covers a specific period, permanent insurance not only assures a death benefit but also builds cash value over time. Policy owners can borrow against this cash value or make direct withdrawals to cover various expenses like medical bills or education costs. Including permanent life insurance in an estate plan can be beneficial as life insurance proceeds are usually exempt from estate taxes. It provides liquidity for paying any estate taxes or compensating for wealth lost to taxes. This strategy is particularly relevant for estates that might exceed the potential new exemption amount in future years due to appreciation.</li>
</ul>
Especially given the potential changes, it’s crucial to regularly review and update your estate plan to ensure it aligns with the current laws and your personal goals.
I hope this overview was helpful for you, and, as always, know that I’m here as a resource as you plan for your family’s future. Feel free to give me a call or reach out via email anytime with questions or concerns.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/estate-planning-trends-2024/">Estate Planning Trends 2024</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></content:encoded>
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<slash:comments>0</slash:comments>
<post-id xmlns="com-wordpress:feed-additions:1">7312</post-id> </item>
<item>
<title>Spring Clean Your Finances</title>
<link>https://ocmoneymanagers.com/spring-clean-your-finances/</link>
<comments>https://ocmoneymanagers.com/spring-clean-your-finances/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 01 Apr 2024 21:07:00 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[budget]]></category>
<category><![CDATA[credit cards]]></category>
<category><![CDATA[credit report]]></category>
<category><![CDATA[financial goals]]></category>
<category><![CDATA[spring]]></category>
<category><![CDATA[subscriptions]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7308</guid>
<description><![CDATA[Spring Clean Your Finances Presented by Marc Aarons I hope you are doing well today. I am reaching out to remind you that now is the perfect time to give your finances a “spring clean.”   Here are a few simple ways to get started: Review and refresh your budget – Take a close look […]
The post <a href="https://ocmoneymanagers.com/spring-clean-your-finances/">Spring Clean Your Finances</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">Spring Clean Your Finances</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
<h4 style="text-align: center;"></h4>
I hope you are doing well today. I am reaching out to remind you that now is the perfect time to give your finances a “spring clean.”
 
Here are a few simple ways to get started:
<ul>
<li>Review and refresh your budget – Take a close look at your current budget. Have there been any changes in your income or expenses since your last review? Adjust your budget to reflect these changes and identify areas where you can save more.</li>
<li>Declutter your expenses – Examine your monthly expenditures and identify non-essential items you can reduce or eliminate. This might include unused subscriptions, recurring memberships, or finding more affordable alternatives to them.</li>
<li>Consider consolidation – If you have multiple credit card accounts, you may want to consider consolidating them. This can simplify the debt repayment process, reduce fees, and lower interest rates.</li>
<li>Update your financial goals – Reflect on your short-term and long-term financial goals. Most likely, they have changed and grown over the last year. Adjust them as needed, and we can strategize ways to reach them.</li>
<li>Check your credit report – Ensure your credit report is accurate and up-to-date. Report any discrepancies immediately with your credit bureau as soon as possible.</li>
</ul>
If you have any questions about this guidance, don’t hesitate to reach out – I’d be happy to help. And, of course, if you have questions or needs related to your investments or retirement plan, please feel free to give me a call or book an appointment on my calendar.

Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com

This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/spring-clean-your-finances/">Spring Clean Your Finances</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></content:encoded>
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<slash:comments>0</slash:comments>
<post-id xmlns="com-wordpress:feed-additions:1">7308</post-id> </item>
<item>
<title>FinCEN Identifier, Explained</title>
<link>https://ocmoneymanagers.com/fincen-identifier-explained/</link>
<comments>https://ocmoneymanagers.com/fincen-identifier-explained/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 25 Mar 2024 17:41:02 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[complinace]]></category>
<category><![CDATA[Corporate Transparency Act]]></category>
<category><![CDATA[finances]]></category>
<category><![CDATA[FinCEN]]></category>
<category><![CDATA[ID number]]></category>
<category><![CDATA[record keeping]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7305</guid>
<description><![CDATA[FinCEN Identifier, Explained Presented by Marc Aarons   I’m reaching out today regarding a new reporting requirement in 2024 called the “FinCEN Identifier,” introduced by the Financial Crimes Enforcement Network (FinCEN) in response to the Corporate Transparency Act. This subject can be a bit technical, so I wanted to share a quick overview below of […]
The post <a href="https://ocmoneymanagers.com/fincen-identifier-explained/">FinCEN Identifier, Explained</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">FinCEN Identifier, Explained</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I’m reaching out today regarding a new reporting requirement in 2024 called the “FinCEN Identifier,” introduced by the Financial Crimes Enforcement Network (FinCEN) in response to the Corporate Transparency Act.
This subject can be a bit technical, so I wanted to share a quick overview below of what businesses need to know. Of course, I am happy to go into more detail with you one-on-one.
 
What’s this FinCEN Identifier all about?
Imagine the FinCEN Identifier as a unique “name tag” for businesses, given out by FinCEN. Similar to how we all have Social Security numbers, this identifier will be a key tool in ensuring everyone knows who’s who in the business world, helping to keep financial dealings clear and above board.
 
Why is it a big deal?
This identifier is FinCEN’s way of making sure that the financial world is more open and easier to navigate. It will make it easier to see who owns and controls businesses, which is important in preventing shady financial activities like money laundering.
 
Who needs to get one?
If you’re running a corporation, an LLC, or other similar legal entities, you will probably need to get one. It’s especially important for entities that don’t already have an ID number from another authority.
 
How will it affect your business?
<ul>
<li>Getting Registered: If your business needs one, you’ll have to register for a FinCEN Identifier. It’s like filling out a bit of paperwork to make sure everyone knows who’s who.</li>
<li>Staying Compliant: Once you’ve got your identifier, you’ll use it in certain reports and financial dealings.</li>
<li>Keeping Records in Check: You’ll need to keep your business info up to date and let FinCEN know if anything changes.</li>
</ul>
How I Can Help You
First, we’ll chat to see if you need a FinCEN Identifier and sort out the registration if you do. I’ll help you gather all the info we need and walk you through the registration step by step. Then I’ll be your go-to for any advice on staying in line with these new rules.
 
Your Next Move
Let’s have a chat soon to get the ball rolling. It’s important we jump on this quickly to keep your business sailing smoothly. For existing businesses, we’ll need to get you registered during 2024. And if you’re considering starting a new business, you’ll need to get registered within 90 days of starting the new entity.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/fincen-identifier-explained/">FinCEN Identifier, Explained</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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<title>The 4 Pillars of Estate Planning</title>
<link>https://ocmoneymanagers.com/the-4-pillars-of-estate-planning/</link>
<comments>https://ocmoneymanagers.com/the-4-pillars-of-estate-planning/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 18 Mar 2024 22:59:49 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[Assets]]></category>
<category><![CDATA[beneficiary]]></category>
<category><![CDATA[estate attorney]]></category>
<category><![CDATA[Power of Attorney]]></category>
<category><![CDATA[Value]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7301</guid>
<description><![CDATA[The 4 Pillars of Estate Planning Presented by Marc Aarons   I wanted to quickly touch base with you regarding your estate planning, which is easy to overlook but incredibly important. While an estate attorney should be your primary resource on this topic, I see these oversights financially impact my clients so often that I […]
The post <a href="https://ocmoneymanagers.com/the-4-pillars-of-estate-planning/">The 4 Pillars of Estate Planning</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">The 4 Pillars of Estate Planning</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I wanted to quickly touch base with you regarding your estate planning, which is easy to overlook but incredibly important.
While an estate attorney should be your primary resource on this topic, I see these oversights financially impact my clients so often that I wanted to be sure I shared some guidance. As always, I’m here to answer any questions you may have.
 
<ol>
<li> Beneficiary Designations and Updates</li>
</ol>
Make sure your beneficiaries are up to date on your financial accounts. These can include brokerage accounts, IRAs, life insurance policies, bank accounts, and more. Consult with your attorney about ways to transfer accounts to your beneficiaries (known as TOD – Transfer on Death) – this could enable funds to skip the probate process. Moreover, updating your beneficiaries will ensure that your assets are distributed to the right people later on. While your will may name certain people, be sure that your beneficiaries are updated on your investment accounts to avoid confusion down the road. Again, consult with your attorney for your estate plan, but please reach out to me if you would like to make a beneficiary designation or update with your account(s) on file with us.
 
<ol start="2">
<li> Financial Power of Attorney</li>
</ol>
If you become incapacitated or unable to handle your affairs, having a durable financial power of attorney can help. It will ensure that the person of your choice has the authority to act on your behalf. Consult with your attorney to ensure your plan is in place.
 
<ol start="3">
<li>Take Inventory of Your Assets</li>
</ol>
Regardless of how much you think you have, it is a valuable financial exercise to take an inventory. You can start by looking around your house–it may be surprising when you tally up the total of your finds! During the process, some things to consider are your primary residence, other properties, collectibles, art, coins, vehicles, boats, and any other valuable, tangible possessions.
Next, consider the intangibles. These can include life insurance policies, retirement accounts (RA, 401(k)s, 403(b)s, SEP IRAs, pensions, etc.), checking accounts, savings accounts, stocks, bonds, mutual funds, health savings accounts, and more.
Once you have all of these things accounted for, it’s time to put a value on them. You can do so for things like real estate or coin collections by ordering appraisals. At a minimum, do your research so that you can have an approximate value on each asset. By doing so, you can obtain peace of mind knowing that your assets will be distributed according to your wishes.
After you have a complete inventory of your assets, you should make sure that your documents are well-organized and stored securely. These documents include insurance policies, deeds to real estate, titles to vehicles, boats, wills, trusts, bank account information, retirement account information, safety deposit boxes, debt statements, funeral plans, and anything else relevant to your situation.
 
<ol start="4">
<li> Consult with an Attorney</li>
</ol>
Estates come in all different sizes. Regardless of the size of your estate, consulting with an estate attorney is always suggested. At a minimum, consulting with a tax professional can provide value. Taking these steps can alleviate any doubts you may have about the probate process, taxation, or distribution of your assets. An estate attorney can help you create a plan or determine if your planning is adequate for your circumstances.
Living trusts, your will, revocable trusts, business succession arrangements, inherited properties of minors, and POAs are all additional things that you should discuss with your attorney. If your estate is on the smaller side, or if you are young, there are online tools that can help guide you through the process at little cost and provide you with peace of mind.
 
It is never too early or too late in life to make these prudent financial arrangements!
 
If you need to verify or update the beneficiaries on the accounts you have with us, please feel free to reach out to me. This message is for informational purposes only and is not legal advice or opinion. Consult with an attorney for your estate planning needs. As always, I am here when you need me.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/the-4-pillars-of-estate-planning/">The 4 Pillars of Estate Planning</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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<title>Long-Term Care on the Rise</title>
<link>https://ocmoneymanagers.com/long-term-care-on-the-rise/</link>
<comments>https://ocmoneymanagers.com/long-term-care-on-the-rise/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 11 Mar 2024 18:49:47 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[adult day care]]></category>
<category><![CDATA[assisted living]]></category>
<category><![CDATA[high costs]]></category>
<category><![CDATA[home health]]></category>
<category><![CDATA[living benefits]]></category>
<category><![CDATA[Medicaid]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7284</guid>
<description><![CDATA[Long-Term Care on the Rise Presented by Marc Aarons   Lately, I have been receiving lots of questions about an important topic: long-term care. To ensure that you and your loved ones can adequately prepare to navigate this often-confusing landscape, I’m reaching out to provide you with answers to a few common questions I get. […]
The post <a href="https://ocmoneymanagers.com/long-term-care-on-the-rise/">Long-Term Care on the Rise</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h3 style="text-align: center;">Long-Term Care on the Rise</h3>
<h3 style="text-align: center;">Presented by Marc Aarons</h3>
 
Lately, I have been receiving lots of questions about an important topic: long-term care.
To ensure that you and your loved ones can adequately prepare to navigate this often-confusing landscape, I’m reaching out to provide you with answers to a few common questions I get.
 
What is long-term care?
Long-term care encompasses a range of services that support aging individuals and help them meet their personal care needs. Common types of long-term care include:
<ul>
<li>Nursing Homes & Assisted Living Facilities – Facilities for adults who are unable to live fully independently, with varying levels of care available.</li>
<li>Home Care/Personal Care or Home Health Care – Home or personal care includes assistance with personal hygiene, dressing, and feeding. Home health care includes skilled nursing care, speech, physical, or occupational therapy, and home health aide services.</li>
<li>Adult Day Care – Non-residential facilities that support the health, social, and daily living of adults in a staffed, group setting.</li>
</ul>
 
How costly is it?
While these services are crucial, costs have been consistently on the rise.
Currently, the median cost for a private room in a nursing home is more than $100,000 a year, and the annual price of just a home health aide is expected to be $69,529 by 2025, with per-person home health care costs expected to rise 9% annually through 2030. For nursing homes, the price is expected to rise 4.5% annually, according to government forecasts.
One of the primary factors driving these cost increases is the balance of supply and demand. With the senior population growing in the U.S., coupled with longer life expectancies and the lingering impacts of the COVID-19 pandemic on labor markets, the demand for such services has significantly increased.
 
Won’t Medicare cover care like this? 
It’s important to note that Medicare typically only covers shorter-term services. In order to manage rising costs while protecting assets, seniors and their families have several options:
<ul>
<li>Opting for a hybrid life insurance policy or annuity that includes long-term care coverage.</li>
<li>Adding Living Benefits to a life insurance policy, allowing policyholders to access the death benefit in case of long-term care needs or certain health conditions.</li>
<li>Qualifying for Medicaid, depending on asset and income criteria.</li>
<li>Leveraging long-term care insurance, which is coverage for costs associated with long-term care that is not covered by health insurance, Medicare, or Medicaid.</li>
<li>Utilizing personal savings, pensions, and investments to fund long-term care expenses.</li>
</ul>
Many families employ a combination of these strategies to finance their long-term care, but the best path forward ultimately depends on your situation and preferences. Rest assured, I am here to assist you in exploring the best way to fund long-term care.
 
Reach out if you’d like to discuss this more or if you have any other questions or needs. That’s what I’m here for.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/long-term-care-on-the-rise/">Long-Term Care on the Rise</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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<title>How Long $1 Million Will Last in Retirement</title>
<link>https://ocmoneymanagers.com/how-long-1-million-will-last-in-retirement/</link>
<comments>https://ocmoneymanagers.com/how-long-1-million-will-last-in-retirement/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 04 Mar 2024 20:18:38 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[lifestyle]]></category>
<category><![CDATA[living costs]]></category>
<category><![CDATA[million]]></category>
<category><![CDATA[retirement]]></category>
<category><![CDATA[savings]]></category>
<category><![CDATA[travel]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7279</guid>
<description><![CDATA[How Long $1 Million Will Last in Retirement Presented by Marc Aarons Today, I’m reaching out to offer some insights that will help you stay focused and discern sound retirement advice from outdated adages that no longer apply in today’s economic landscape.   You’ve likely heard the maxim that reaching $1 million in savings for […]
The post <a href="https://ocmoneymanagers.com/how-long-1-million-will-last-in-retirement/">How Long $1 Million Will Last in Retirement</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style>How Long $1 Million Will Last in Retirement
Presented by Marc Aarons

Today, I’m reaching out to offer some insights that will help you stay focused and discern sound retirement advice from outdated adages that no longer apply in today’s economic landscape.
 
You’ve likely heard the maxim that reaching $1 million in savings for retirement is a hallmark of financial readiness. Indeed, it’s a symbol of prudence and planning. But shifting economic trends and your personal retirement goals raise an important question: Is $1 million enough?
 
With that in mind, here are three considerations we can explore in more detail if you’d like:
<ol>
<li>Location matters. The choice of your retirement destination can significantly impact the longevity of your savings. For instance, in states with lower living costs, like Mississippi, $1 million can last for approximately 22.7 years. It extends to around 19.8 years in North Carolina, while in Hawaii, your $1 million nest egg would last just over a decade. With the average length of retirement hovering around 18.6 years for men and 21.3 for women, location should be top of mind in your planning.</li>
<li>Define your “comfortable.” The concept of a comfortable retirement varies from one person to another. The financial needs of a retiree looking for a relaxed, small-town retirement differ substantially from those of an adventurous globe-trotter. Knowing yourself and how you envision your golden years is vital.</li>
<li>Stay consistent. Regardless of whether retirement is years or months away, making regular contributions to your savings, even in modest increments, can have a significant cumulative impact over time. It’s a proven strategy for building a substantial retirement fund.</li>
</ol>
With the right tools and professional guidance, it is possible to align your investments with your preferred retirement location, lifestyle objectives, and current financial standing. Don’t hesitate to reach out if you are unsure if your current financial plan accomplishes that objective.
 
I’m here to help and would be happy to be a part of refining your plan. Call the office or email me at your convenience, and we’ll get started.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/how-long-1-million-will-last-in-retirement/">How Long $1 Million Will Last in Retirement</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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<item>
<title>6 Reasons for a “Rainy Day” Emergency Fund</title>
<link>https://ocmoneymanagers.com/6-reasons-for-a-rainy-day-emergency-fund/</link>
<comments>https://ocmoneymanagers.com/6-reasons-for-a-rainy-day-emergency-fund/#respond</comments>
<dc:creator><![CDATA[Marc Aarons]]></dc:creator>
<pubDate>Mon, 26 Feb 2024 18:26:18 +0000</pubDate>
<category><![CDATA[Financial Articles]]></category>
<category><![CDATA[credit cards]]></category>
<category><![CDATA[Financial Freedom]]></category>
<category><![CDATA[financial stability]]></category>
<category><![CDATA[investments]]></category>
<category><![CDATA[Medical Bills]]></category>
<category><![CDATA[Unemployment]]></category>
<guid isPermaLink="false">https://ocmoneymanagers.com/?p=7275</guid>
<description><![CDATA[6 Reasons for a “Rainy Day” Emergency Fund Presented by Marc Aarons   I’m reaching out this spring to highlight an issue of utmost importance: being prepared financially for the unexpected. With spring showers picking up around us, there’s no better time to talk about saving up a financial cushion to shield you from life’s […]
The post <a href="https://ocmoneymanagers.com/6-reasons-for-a-rainy-day-emergency-fund/">6 Reasons for a “Rainy Day” Emergency Fund</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
]]></description>
<content:encoded><![CDATA[<style type="text/css" data-name="kubio-style"></style><h4 style="text-align: center;">6 Reasons for a “Rainy Day” Emergency Fund</h4>
<h4 style="text-align: center;">Presented by Marc Aarons</h4>
 
I’m reaching out this spring to highlight an issue of utmost importance: being prepared financially for the unexpected. With spring showers picking up around us, there’s no better time to talk about saving up a financial cushion to shield you from life’s unpredictable downpours.
Like an umbrella during spring rains, an emergency fund protects you during sudden financial hardships. Here’s why an emergency fund is critical for every household:
<ol>
<li>Unexpected expenses – Life is full of surprises, and unfortunately, some can be costly. An emergency fund helps cover sudden financial needs, such as medical bills, car repairs, or home maintenance.</li>
<li>Financial security – Knowing you have a safety net for unforeseen expenses gives you greater financial stability and well-being.</li>
<li>Avoiding debt – When emergencies arise, it’s easy to use credit cards or loans to cover the costs. However, this can lead to a vicious cycle of debt and added interest fees. An emergency fund enables you to manage unexpected expenses without borrowing money and accruing debt.</li>
<li>Protecting savings and investments – Without an emergency fund, you may be tempted to tap into your long-term savings or investments to cover unexpected expenses. This can derail your financial plans and hinder the growth of your assets. An emergency fund ensures that your savings and investments remain untouched and continue to grow.</li>
<li>Job loss or income disruption – An emergency fund is particularly important during times of unemployment or reduced income. It serves as a financial buffer, helping you cover your living expenses while you search for a new job.</li>
<li>Flexibility and adaptability – Life circumstances change, and an emergency fund gives you the flexibility to adapt to those changes. Whether it’s relocating for a new job opportunity, escaping an unhealthy living situation, or making a career change, having an emergency fund grants you the financial freedom to make important life decisions with confidence.</li>
</ol>
While tailoring your fund to suit your comfort level is crucial, I generally recommend working towards three to six months’ worth of living expenses set aside in an easily accessible checking or high-yield savings account.
Take care, and, as always, let me know if I can help — that’s why I’m here.
 
Marc Aarons may be reached at 714-887-8000 or marc@ocmoneymanagers.com
www.ocmoneymanagers.com
 
This communication is from Money Managers, Inc.; a Securities and Exchange Commission registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results. Investments involve risk and are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.
The post <a href="https://ocmoneymanagers.com/6-reasons-for-a-rainy-day-emergency-fund/">6 Reasons for a “Rainy Day” Emergency Fund</a> appeared first on <a href="https://ocmoneymanagers.com">Money Managers, Inc.</a>.
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