Catch-Up Contributions

A recent survey found that 37% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 28% were not confident.¹ Congress in 2001 passed a law that can help older workers make up for lost time. But few may understand how this generous offer can […]

Careful Giving: Suggestions for Passing Gifts to Care Providers

By Donald A. Hunsberger According to the Orange County Register, a 91-year-old woman from Brea died in mid-2014, and left her entire estate to her caregiver. After officials discovered the transfer, they removed her assistant as trustee and took away the home she left  him.  Why? According to the District Attorney and the ruling Judge, […]

The Spirit of Wertz & Company

Tax, Accounting and Business Solutions for the Next Generation of Entrepreneurs By Betsy Sanz Courage. Passion. Vision. Tolerance of ambiguity. Tenacity. Flexibility. This is the heart of the entrepreneur. If entrepreneurs share common personality traits, it follows that they also face common challenges. Many entrepreneurs who start a business are not totally prepared for the […]

United American Mortgage Company

Trusted, tried and true. That’s the reason why United American Mortgage has been successful for over 20 years. Since 1993, UAMC specializes in providing mortgage-financing solutions to homeowners and homebuyers. You’re almost tired of reading about it but it’s true: the mortgage meltdown hurt more than a few and people are still trying to recover. […]

How Will Working Affect Social Security Benefits?

By Ken Earwood In a recent survey, 67% of current workers stated they plan to work for pay after retiring.¹ And that possibility raises an interesting question: How will working affect Social Security benefits? To answer that question requires an understanding of three key concepts: full-retirement age, the earnings test, and taxable benefits. Full Retirement […]

Choose a Lender You Can Trust

by Teri Rapp Whenever you are choosing a personal loan or credit card, it’s important to know your lender. When you enter into a loan contract, your payment history affects your credit score, which can affect many future pricing and decisions. You want to make sure you are working with a reputable company that has […]

Where Will Your Retirement Money Come From?

by Ken Earwood For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Tip: Retiring Older During the past year, one survey found 22% of workers have changed the age at which they expect to retire. The vast majority said they plan to retire […]

Traditional vs. Roth IRA

Traditional IRAs, which were created in 1974, are owned by roughly 37.0 million U.S. households. And Roth IRAs, created as part of the Taxpayer Relief Act in 1997, are owned by nearly 18.6 million households. Tip: Not Quite Anything. IRAs are free to invest in just about anything except collectibles like artwork, rugs, antiques, gems, […]

Where Will Your Retirement Money Come From?

Retiring Older During the past year, one survey found 23% of women and 22% of men have changed the age at which they expect to retire. The vast majority said they plan to retire later. (Source: Employee Benefit Research Institute, 2011.)For many people, retirement income may come from a variety of sources. Here’s a quick […]

9 Facts About Retirement

By Ken Earwood Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend to take, here are nine things about retirement that […]