Schwab Acquisition of TD Ameritrade: What it Means to You

Amidst an already busy Fall and fast-approaching year-end there has been a piece of significant news in the financial services world: Charles Schwab will be acquiring TD Ameritrade in a $26 billion combination.

Schwab_TD
What does the Schwab’s acquisition of TD Ameritrade mean for clients and individual investors?

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What am I Saving For?

Most people would define their primary savings goal as “retirement.” …Or would they?

Of course, retirement is often a primary long-term savings goal, but not always. The definition of retirement itself has morphed over the recent decade with people living longer lives. “Retirement” encompasses more than simply stopping work and being on a “permanent vacation.”  In fact, recent research published in the Journal of Financial Planning* reports that quitting work cold turkey often is not reality – for a number of reasons.

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There is more to the long-term savings equation that a simple line from Point A (today) to Point B (retirement).

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We are nearing the 2019 “Tax Year Finish Line”… but there’s still time to address a handful of potentially tax minimizing items*.  One that was a major item of confusion for taxpayers in 2018 was withholding elections. Especially for taxpayers making under $250,000 (and ALL taxpayers) these elections can make a big difference between getting a REFUND** and NOT getting a refund.

IRS W4
The proper withholding election can make a big difference between getting a refund and NOT getting a refund.

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