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reCap BLOG

Clear and actionable insights on wealth management from Capital Advisors, Ltd.

How Required Minimum Distributions (RMDs) are Impacted by Recent Stimulus

Wednesday, July 15, 2020 |
  • Retirement
  • RMDs
  • Tax Planning
  •  |  by: Holub, Rob

The stimulus bills enacted in 2020 have not just put extra money in taxpayers' pockets (be it temporarily with the delay of the filing deadline or permanently with cash payments to those under a c...

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Dealing with the SECURE Act's Changes to IRA Planning

Wednesday, June 17, 2020 |
  • Charitable Planning
  • Financial Planning
  • Retirement
  •  |  by: Holub, Rob

In January, my blog post on the SECURE Act touched on a variety of changes to tax-deferred accounts. Considering the weighty topic being discussed, I am going to extend the series into a 3rd part late...

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The SECURE Act Brings Changes to IRAs and Other Tax-Saving Plans

Tuesday, January 21, 2020 |
  • Retirement
  • Tax Planning
  • Wealth Management
  •  |  by: Holub, Rob

The new decade brought with it a new tax law, the Further Consolidated Appropriations Act (better known for its non-acronym-based title, the SECURE Act) which became effective on January 1, 2020. This...

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Using your HSA to Boost Retirement Income

Thursday, August 22, 2019 |
  • Financial Planning
  • Retirement
  •  |  by: Creviston, Nathan

The Health Savings Account (HSA) is a unique tool that offers a triple tax benefit not often found in financial planning. The HSA allows account owners to make tax deductible (pre-tax) contributions t...

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Required Minimum Distribution Considerations

Monday, May 6, 2019 |
  • Financial Planning
  • Retirement
  •  |  by: Creviston, Nathan

The regulations, considerations, and strategies are ever changing for Required Minimum Distributions (RMD’s) from retirement plan accounts. We wanted to offer some insight into a few strategies...

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About the Writers
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Zachary Abrams, CFP®, Manager, Wealth Management
Nathan-Creviston
NATHAN CREVISTON, CFP®, ChFC®, RICP®, Wealth Management Analyst
Rob-Holub
ROB HOLUB, CFA, CFP®, Chief Investment Strategist
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QUESTIONs you should ask... answers you should EXPECT...

What services are provided?

Many firms call their services wealth management but really only provide investment management with some window dressing. That may be what you seek. But if what you require is wealth management defined as integrated financial planning, of which investment planning is just one important component, you will want to dive deeper. Wealth management should also include retirement, estate, income tax, corporate executive, business succession, and insurance/risk management planning. If these are services you require, be sure your advisor has the professional skills and experience to provide them.

How are those services administered?

Ask to see sample output such as sample investment update reports and cash flow pro forma hat are critical to making investment, retirement, estate, and tax planning decisions. Ask about the frequency of reporting and contact. Additionally, ask who will be on your service team, so you are assured that you can always speak to professional staff members who are intimately familiar with your affairs.

Will the Investment Planning and Reporting consider assets not held (custodied) or directly managed by the firm?

Do they consider and report on investment assets, which are held or managed by other firms – for instance in your retirement plan? In order to properly allocate a client’s portfolio for optimum outcomes, all assets must be considered as a whole.

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Advisory Services offered through Capital Advisors, Ltd., LLC, Capital Analysts, or Lincoln Investment, Registered Investment Advisers. Securities offered through  Lincoln Investment, Broker Dealer, Member FINRA/SIPC . Capital Advisors, Ltd., LLC and the above-named firms are independent and non-affiliated.

Tax, legal, or social security claiming advice is not offered through, or supervised by Lincoln Investment, or Capital Analysts.

Please Note: The scope of any financial planning and/or consulting services provided depends upon the needs of the client and the terms of the engagement. Capital Advisors, Ltd. does not serve as an attorney or accountant. Accordingly, Capital Advisors, Ltd. does not prepare estate planning documents or tax returns.

We make no representation as to the completeness or accuracy of information provided at any third-party site. Nor are we liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of third-party sites. When you access one of these sites, you are leaving our website and assume total responsibility for your use of the sites you are visiting.

IMPORTANT INFORMATION: This site has been prepared solely for information purposes is not intended to be a solicitation, offer or sale of securities products or investment advisory services to anyone who resides outside of the United States.

Capital Analysts and Lincoln Investment are Registered as Investment Advisers with the U.S. Securities and Exchange Commission and Lincoln Investment is registered as a broker/dealer in all 50 states. Capital Analysts and Lincoln Investment and its Financial Representatives may only transact business in a particular state if first registered and only after complying with registration requirements.

Capital Advisors, Ltd., 20600 Chagrin Boulevard | 1115 Tower East | Shaker Heights, Ohio 44122
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More information regarding this firm and its investment professionals can be found on Form ADV, Form CRS, and FINRA's BrokerCheck.

Please review Important Disclosure Information set forth in the last section of this web site.