Succession Planning Channel

Divorced-spouse Social Security benefits: Who can claim them and how

social security

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. Lady Nancy Astor is said to have told Sir Winston Churchill: “Winston, if you were my husband, I’d poison your tea.” His reply: “Nancy, if I were your husband, I’d drink it.” We’ve talked in past articles about spouses coordinating their Social Security benefits to optimize their household income. But not everyone ...

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ABLE accounts: Tax-advantaged savings for people with disabilities

ABLE accounts

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen.   For years, tax laws have included tax-favored programs to save money for retirement (IRAs), for health care (HSAs), or for college (529 plans). But there have never been tax-advantaged savings plans specially designed for people with disabilities. That changed with the Achieving a Better Life Experience Act of 2014 (ABLE). Beginning in ...

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Uncertainty and opportunity: Brexit, the election and evolving healthcare

Brexit

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. The waning days of the second quarter of 2016 brought capital market participants a surprise in the form of the Brexit, Britain’s momentous decision to leave the European Union (EU). We must acknowledge that the “leaves” outnumbering the “stays” in the U.K.’s referendum is not the result we, nor many political and ...

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Special needs trusts: Improve quality of life without sacrificing benefits

special needs trust

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. Trusts are popular tools in financial and estate planning because they can help protect and manage assets for a variety of purposes. A special or supplemental needs trust (SNT) is a specific type of trust that focuses on providing financial support to elderly or disabled persons. An SNT can supplement their standard ...

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Disability insurance: Coverage vs. real benefits for employers and employees

disability insurance

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. When you start a new job and HR hands you your new benefits booklet, which page do you turn to first? Typically, health insurance decisions are the first you need to make — which plan, whom to cover, what deductible, health savings account or not. There’s no question that health care coverage ...

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How disability insurance protects your most valuable asset — your income

income

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. Achieving your financial goals can rely on a number of factors. One of the most important may be your current and future income. Many people take their income for granted by assuming that it will continue as long as they need it. But imagine what would happen if your paycheck didn’t show ...

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Socially responsible investments may yield sustainable returns

socially responsible investments

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. Institutions, foundations and other organizations looking to invest reserves and endowment funds in socially responsible investment (SRI) vehicles have historically been faced with a trade-off between conscience and return. However, there is fresh and growing evidence that organizations looking to consider environmental, social and governance (ESG) factors in the construction of their investment ...

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Investment policy statement: Essential documents for institutional investors

IPS

Thought Leadership on Accounting and Finance presented by CliftonLarsonAllen. A well constructed investment policy statement (IPS) is an essential governing document that can significantly improve the oversight of your institutional investment funds. Unfortunately, the IPS is often overlooked and under-appreciated by financial professionals. Only about 10 percent of investment policy statements we review are properly written and complete. We believe this ...

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Hey, let’s partner on that!

Ally Solutions image for SmartCEO Thought Leadership

Thought Leadership on Authentic Change Leadership – ‘Shift Happens but you can lead it’ presented by Ally Solutions Group. The term partnership is often overused and under-appreciated. You will hear people say “let’s partner on that” or “hey, we should get together and talk about how we can partner.” When people have the same definition or expectation of partnership, new ideas, innovation ...

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Up in the air: Key value drivers for sellers in the cloud and SaaS markets

Thought Leadership on Growth to Exit Strategies presented by Falcon Capital Partners, LLC. Technology drives business innovation, and the last several years have seen businesses rapidly adopt innovations around cloud computing and software as a service (SaaS) technology. Companies continue to move away from big infrastructure investments in favor of cloud-based systems. Last year, more than 40% of the respondents ...

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