November 2012 Newsletter

Planning Your Financial Future

November 2012

On the Precipice: the “Fiscal Cliff”
The phrase “fiscal cliff” has been used to describe the unique combination of financial realities scheduled to take effect in 2013: expiring tax breaks; the imposition of new taxes on high-income individuals; and automatic deficit-reduction spending cuts.

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Ways Grandparents Can Help with College Costs
As the cost of a college education continues to rise, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomer grandparents start gifting what could be trillions of dollars over the next few decades. Helping to finance a grandchild’s college education can bring great personal satisfaction and can be a way for grandparents to minimize potential gift and estate taxes.

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Two Social Security Strategies for Married Couples
Deciding when to begin receiving Social Security benefits can be especially complicated when you’re married because you and your spouse will need to plan together. Fortunately, there are a couple of strategies that are available to married couples that you can use to boost both your Social Security retirement income and income for your surviving spouse.

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As a business owner, what should I know about using temporary workers?
Use of temporary workers (sometimes referred to as temps) may provide you with some flexibility to handle employee absences due to illness, vacation, or maternity leave. They may also help you handle special projects, busy times, or seasonal work.

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As a business owner, what should I know about using remote employees?
Interest in the use of remote employees has greatly increased along with growth in the number of service jobs and developments in technology that enable some workers to work almost anywhere. You might be able to use a remote employee in your business if the employee does not need to be at a specific location in order to do the work required.

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