Full Service Financial Planner including Investments, Insurance & Planning Three Leaf Financial is a full service financial planning firm that was established in March 2010 with the fundamental goal of building sound financial plans for all of their clients.
The founder of Three Leaf Financial, Derek Sauerwine, works one-on-one with his clients and prospective clients to create, implement and manage tailored financial plans. Each plan is unique with the right blend of investments, insurance and planning in order to accomplish each client's goals. The practice continues to flourish because at it's core, it is built on a life-long relationship model and
A good article that does a decent job of forcing you to look at other factors into a move beyond State Income tax.
Why Moving to a State with Low Income Taxes Could Cost You Financial advisors can help dispel the myth that changing states is a good way to lower expenses. It may actually increase them.
The most difficult thing to do is simply understand that this is par for the course... .and these three helpful hints
3 Biggest Mistakes Investors Make In Volatile Markets Often, the best thing investors can do during a market correction is maintain the status quo.
If you haven't heard, the RMD (Required Minimum Distribution) table has created a slightly lower draw going forward. This allows clients to take slightly less out of the tax deferred retirement positions.
Where Are Those New RMD Tables For 2022? If you do an online search for the new RMD tables to use for your 2022 RMD, you might find yourself going in circles. But there are ways to locate them.
My love for tax-free Roth IRA's is well known. This article covers the drawback of minimal contribution rules, but always remember that this cap does not exist if you have a Roth 401k option through work. If you don't know if Roth is available through your 401k, give them a call.
Roth IRA Contribution Income Limits For 2022 While you won’t get a tax deduction for your contributions, your money will grow tax-free and can be withdrawn tax-free if you follow the Roth IRA rules and regulations.
I do not see the Housing market as "vulnerable" but watching the balance struck between potential interest rate moves and home prices will be interesting to follow this year
How Vulnerable Is U.S. Housing To Fed Tightening? The housing market is not a bubble, because supply-demand conditions are tight. However, home prices could become unaffordable to potential buyers if mortgage rates were to climb to 4.5%-5%.
Good article that outlines the need for buckets. Though I don't agree 100% with the assets referenced, but separating income, growth and liquidity is key in retirement.
How to Retire Now-ish: A Guide to Inflation, Rising Rates, and More Strong markets have swelled account balances, but changing conditions make it a good time to revisit your plan.
There is a lot to be Thankful for and we hope you enjoy your Thanksgiving with friends and family!
Wishing you & yours, a Happy Thanksgiving!
It looks like the Northern Virginia landscape will continue to change with our new neighbors Amazon.
Amazon Unveils Plans for Futuristic, Nature-Inspired Phase 2 of HQ2 Amazon has unveiled plans for the PenPlace site in the second phase of its $2.5 billion HQ2 in Pentagon City, including a lush office building shaped like a double helix. The company will build 2.8 million square feet of office space across three 22-story buildings, an amenity building with a com
In looking down the road, the Secure ACT 2.0 could certainly be something to watch as it could further push back the
Age of Required Minimum Distributions and it also could allow larger catch up contributions.... We will see.
Get ready for the SECURE Act 2.0 A follow-up, bipartisan bill to the SECURE Act is in progress. The SECURE Act 2.0 could incentivize small businesses and individuals to grow retirement savings.
There are a lot of advantages of having a Financial Advisor relationship and keep the plan in order is just one of them. Life will change or the world will change around us.
Why Your Retirement Account Paperwork Needs To Be Done Right Mistakes and oversights in retirement account paperwork often have disastrous consequences.
Going at the speed of light to basically a stand still, might turn out to be the best thing for families, children and financial plans. The proverbial "reset button"!
What If: How The Future Is Bright For The Pandemic Generation It is plausible this generation—whose views are being shaped through the coronavirus pandemic—will be shaped in positive ways.
The extra gift at age 65... navigating Medicare. All in all, with a little reading.. it's not that bad.
A Step-by-Step Guide to Selecting Medicare Coverage If you’re like most Americans, you’re getting a wonderful present for your 65th birthday: government-subsidized health insurance for the rest of your life. The bad news is that Medicare won’t cover a significant chunk of medical expenses.
Great little article about Term Life Insurance...... but they missed the most important piece. Life Insurance proceeds are Federal and State Tax Free.
Top 5 Things To Know About Term Life Insurance Term life insurance is a great way for families to find an affordable way to financially protect the future in case a parent passes away.
Proud to support the fight!
This year we issued an incredible community challenge to bring on 20 NEW companies to sponsor the One Walk! I would like to give a big thank you to the following companies for rising to the challenge: Three Leaf Financial, Relational Connection, Rotunda Solutions, Ace Trim Carpentry Inc., The Battle Family, CTR Management Group, LLC, Signature Financial Partners, FlexPoint Media, Cultivate Ventures, Econ One Research, Anderson Mechanical Services, Inc., Kalani Consulting, Inc., and United Bank.
Nothing like an article that states.."not so fast". Some good points but at the end of the day this article helps support the idea of having diversification & flexibility built into your plan.
Planning to Use Your Home as a Retirement Nest Egg? Not So Fast. Most people who hope to tap the value in their real estate have two options: trade down to a smaller, less-expensive home, or borrow against their equity. But the economic uncertainty casts doubt on the home-as-a-piggy-bank approach.
Another good reminder of rules changes that allow you to access, avoid and contribute during these times depending upon which phase you are in on your financial timeline.
3 Ways The COVID-19 Stimulus Law May Help Your Financial Problems Here’s a guide to how a few provisions of the CARES (Coronavirus Aid, Relief, and Economic Security) Act might help your finances at a time when you can use a hand:
Pretty good article outlining the yearly suspension of Required Minimum Distributions
Answers to Important RMD Questions Congress's one-year suspension of rules requiring retirees to take minimum distributions from retirement accounts gives those who can afford to leave their nest eggs alone a better chance of recovering stock-value losses.
The feelings everyone has during a market down turn is.............. it's to late to move or sell and it's to early to buy. Neither is the case.
What Nervous Investors Should Do Now It’s hard to see the stock market and investment portfolios drop so quickly. It is unnerving, to say the least. Although this time we are also facing a health crisis, we’ve seen many other market declines much worse than this over the past 25 years. There are things you can do.
Very Important............For retirees, the stimulus bill suspends for 2020 the minimum required distributions from tax-deferred 401(k)s and individual retirement accounts. If you do not need it, you are not required to take it.
Retirees Get Relief in Senate Coronavirus Stimulus Package The legislation includes breaks for Americans whose retirement accounts have been battered by the stock-market meltdown.
The volatile market continues and I would not expect that the "wild" ride is over....
Dow Escapes Bear Market With a 6% Rally The blue-chip index is now up 20% from its low, qualifying as a new bull market.
Keeping some market engagement or exposure is key.
The Dow Will Bounce Back. History Tells Us When. There is an old adage on Wall Street: The market goes up the escalator and down the elevator. Many events have knocked the Dow down, and more often than not, it bounces back quickly.
Couldn't be more pleased to be involved with JDRF Capital Chapter on Walk!
Thank you to Three Leaf Financial and Derek Sauerwine for being company number one in our in support of Joe Aiken, our Corporate Walk Chair! With your support we can continue to work towards turning type one into type none. We are so grateful for your generous contribution to the JDRF Capital Chapter One Walk!
Even in its most simplistic form, a Trust can play a very key role in your overall plan.
Revocable Living Trusts Can Help Your Heirs Avoid Probate. Here's How They Work. Probate can be a long, arduous, and costly process. Enter a workaround that is being used by an increasing number of people: revocable living trusts.
With children no longer being able to stretch inherited IRA's, we have been busy building alternative paths. If you have not begun to look at strategy options....reach out to schedule a conversation.
The Stretch IRA Strategy Is Largely Gone. Here Are 5 Alternatives to Consider. There is good news and bad news for retirement savers whose stretch-IRA strategies were upended by the Secure Act: There are workarounds, but none necessarily offer a perfect replacement for the popular estate-planning tool.
Remember money is only 1 part of the retirement picture. We can build your financial plan but you have to build the retirement picture.
Having enough money to retire is important, but there are 7 other things that matter just as much Having enough retirement income and savings is critical, but, there are seven other factors to also consider as we imagine our ideal retired life.
Many individuals over the age of 70 1/2 are taking advantage of the "Qualified Charitable Distribution" Rules under the IRS Code and if you give to charity and are not using QCD.... this is good read.
More Questions And Answers About The SECURE Act The SECURE Act continues to raise questions from readers. Here are some key questions about the Setting Every Community Up for Retirement Enhancement (SECURE) Act.
Three Leaf Financial is turning 10 years old! We are very thankful to work with some of the most wonderful Individuals, Couples and Families! We thank everyone that has contributed to making these 10 years possible and we look forward to the next 10!
Ah... the ever changing tax landscape. The importance of having a trusted advisor on your team continues to increase.
After Stretch IRAs, What Retirement Breaks Could Congress Chop Next? A handful of proposals on limiting retirement tax breaks have been circulating in Washington for years
We are very excited to announce a new addition to the Three Leaf Financial Team.... Kelly A Merryman.
Kelly joins the team as our Operations Manager! If your New Year's resolution is to build your financial path for the future, you can email Kelly to schedule at [email protected]
Here Are the 3 Biggest Mistakes Retirees Make, and How to Avoid Them Retirees are making three mistakes that could jeopardize their financial future, experts say, with the missteps coming amid a growing awareness that many workers who’ve saved diligently for decades are now struggling to spend their savings.
The rules have changed in regards to stretch rules for your non-spouse beneficiaries...
The Secure Act Changes the Way People Will Inherit Money. Are You Hit by the New Rules? The Secure Act, which was signed in December, changes the way beneficiaries will receive money from inherited retirement accounts, but not everyone is in danger of a big tax hit.
Remember every retirement begins successfully with no debt! So let's get at it!
How to Get Out of Debt in 2020 For many, paying off debt can feel like an insurmountable task. Here is a game plan to help those hoping to make a fresh start on their debt repayment.
Having an advisor that can coordinate your Retirement Plan with your Estate Plan is key. If you do not have a plan in place... simply call the office to schedule time.
Inheriting IRAs Just Got Complicated, Thanks to New Retirement Overhaul The Stretch IRA is snapping back. Congress’s year-end spending package limits the ability of savers to extend the life of their traditional Individual Retirement Accounts and Roth IRAs by leaving the accounts to much younger heirs.
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Greg’s thriving financial practice has helped many senior executives and young professionals achieve financial security.
I am an Agent licensed to sell insurance through New York Life Insurance Company.
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