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Timely, relevant, and actionable investment perspective, best practices, and planning insights for institutional and wealth management clients from CAPTRUST's Consulting Research Group.

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Weighing the Merits of a Life Settlement

06.21.2018

Once the kids have flown the nest, or a family business has matured and changed hands, you might decide that a life insurance policy is no longer needed. As life circumstances change, the coverage may not seem worth the premiums. Your first thought might be to surrender the policy back to the insurance company for its cash value. However, a life settlement could yield you a better price or a better financial outcome for your family.

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Worth Protecting

06.21.2018

In the pine savannas of north Florida, Bailey understands that the most beneficial thing you can do for nature is to burn the woods. At first blush that might seem counterintuitive. But these grasslands and pines have evolved over millennia to rely on regular, relatively cool, low-to-the-ground fire. Many pines only set seed after their cones have been torched, and when the ground is cleared of dense brush, wildlife populations skyrocket.

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Reader Q&A

06.21.2018

In this issue, we look at rollback of the Department of Labor’s conflict of interest rule—otherwise known as the Fiduciary Rule—and address the important issue of optimizing retirement savings.

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Education Tax Credits

08.30.2016

Now that your child is in college, you might qualify for one of two education tax credits—the American Opportunity credit and the Lifetime Learning credit. And because a tax credit is a dollar-for-dollar reduction against taxes owed, it’s more favorable than a tax deduction, which simply reduces the total income on which your tax is based.

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Teaching Your College-Age Child about Money

07.26.2016

When your child first started school, you doled out the change for milk and a snack on a daily basis. But now that your kindergartner has grown up, it’s time for you to make sure that your child has enough financial knowledge to manage money at college.

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Midlife Reimagined

06.21.2018

A midlife course correction can be triggered by a seminal moment—a deep pain or loss—or the realization that the current path is leading in unsatisfying directions. For veteran National Public Radio reporter Barbara Bradley Hagerty, it was both.

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Safeguard Your Assets as You Age

06.15.2018

Adult children often worry about their parents’ or elderly relatives’ ability to make sound financial decisions as they age. For good reason, as one in five Americans 65 years of age or older are victims of financial exploitation to the tune of $2.9 billion in damages annually.

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Just Say No to Retirement

06.21.2018

For most of human history, there was no such thing as retirement. Life was short, and most workers kept on working until they could not work any longer. Then came the 20th century. Social Security, pension plans, and a growing leisure industry helped invent retirement to move aging workers out of the way of their younger and, presumably, more productive colleagues.

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From Starting Gate to Starting Over

02.01.2017

It is a long way from Manhattan to Yanceyville, North Carolina, the county seat of a rural area once made great by bright-leaf tobacco, only to see its economy ruined by the Civil War. Yet that is just where Manhattan designer Elizabeth Macdonald found her second calling—helping retired racehorses from Northeastern tracks find their ways into new homes in the South.

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Tax-advantaged Ways to Save for College

06.06.2016

In the college savings game, all strategies aren't created equal. The best savings vehicles offer special tax advantages if the funds are used to pay for college. Tax-advantaged strategies are important because over time, you can potentially accumulate more money with a tax-advantaged investment compared to a taxable investment.

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Estate Planning and 529 Plans

06.06.2016

When you contribute to a 529 plan, you'll not only help your child, grandchild, or other loved one pay for college, but you'll also remove money from your taxable estate. This will help you minimize your tax liability and preserve more of your estate for your loved ones after you die. So, if you're thinking about contributing money to a 529 plan, it pays to understand the gift and estate tax rules.

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Saving for Retirement and a Child’s Education at the Same Time

07.22.2016

You want to retire comfortably when the time comes. You also want to help your child go to college. So, how do you juggle the two? Saving for your retirement and your child’s education at the same time can be challenging, but you may be able to reach both goals if you make smart choices now.

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Raising Credit Worthy Children

01.31.2015

You’ve done everything right as parents. You read all the books on raising financially fit children and started talking to your kids about money and wealth from an early age. You helped them open their first saving accounts, then checking accounts, and even made them authorized users on your American Express account when they went off to college. Now you are shaking your head in disbelief as your financially literate and responsible daughter has just been turned down for her first mortgage. How could this happen in your family?

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