Check out our most-viewed blogs from 2023. Topics focus on a variety of financial topics to help boost your financial confidence including financial and retirement planning, tax tips, investing insights and more.

1. Starting 2023 Off on the Right Financial Foot

The new year brings new limits for various benefits and gifting strategies, and tasks to think about to set yourself up for a more financially secure future. New limits covered include those that may impact your IRA, HSA, or 401(k) accounts. There is also a new gift tax exclusion limit, increasing the amount you can gift without paying the federal gift tax.

This blog includes a webinar. View now.

2. How to Retire Comfortably

Most retirement planners agree that you will need at least 70% to 85% of your current annual household income in retirement. To get there, it’s estimated we need eight to 10 times our ending salary to be financially secure by age 67. But how do you actually get there? View 10 steps to help you on your way to reaching your retirement goal.

3. SECURE 2.0 Act Paves the Way for Big Changes

The SECURE 2.0 Act of 2022 (“SECURE 2.0”) is full of provisions – 92, in fact – aimed at improving Americans’ preparedness for retirement. This article highlights key provisions of SECURE 2.0 which are likely to have the greatest impact for savers (plan participants) and retirement plans going forward.

4. 4 Retirement Rollover Options

You have worked hard saving for your retirement. But what happens if you change jobs or retire? There are many considerations in making this decision, but you have options. At Emerj360, we understand this can be an overwhelming time for you. We have highlighted the advantages and disadvantages of each option so that you can feel confident in your financial future.

5. 8 Key Life Events that Require Financial Guidance

Almost everyone stresses over the daily obligations of financial planning, but many also neglect planning for the significant life stages that require special attention and strategies. Here are 8 key life events that could benefit from professional financial guidance.

6. Active vs. Passive Investing: Which Is Best?

Investors and advisors alike have long debated the merits of active versus passive investing. Learn about advantages each option offers and potential drawbacks to consider in this blog. Read now.

7. 5 Mistakes for 401(k) Plan Participants to Avoid

If you have joined your company’s 401(k) plan, but are not that confident about saving and investing for such an important long-term goal, don’t worry. Even long-time plan participants can make errors. Read on to find out more about five of the most common mistakes that retirement plan participants make. Avoiding these mistakes can help put you on the road to a more secure retirement future.

8. Tips on Tax Planning

You may not think about taxes often, but they can prove to be a large expense. That’s why it’s important to make the most of any opportunities you may have to lower your tax liability. Here’s a look at some of the factors you may want to consider in your planning. Continue reading…

9. Fourth Friday’s Returns to La Crosse’s Riverside

Emerj360 continued to be the presenting sponsor of The La Crosse Chamber’s Fourth Fridays event series in Riverside Park in 2023. View the blog for a recap of the family-friendly community event.

10. Retirement Ready at Every Age: Key Considerations for All Ages

No financial plan is one-size-fits-all, but there are some important guidelines to follow that are beneficial in the process of retirement planning. Read this blog for retirement planning tips for each decade, beginning when you are age 25.

Stay tuned for new content published each week in 2024! Visit our “Resources” page to view blogs, videos and webinar recordings at your convenience.

Written By  Emerj360
What Your Last Tax Return Can Tell You About Your Finances
Brett Sebion, Financial Coach  – February 14, 2024
Just as coaches look back at their prior season to identify their team’s strengths and weaknesses, it can be helpful for taxpayers to review their most recent tax return to assess what they did well and what they could’ve improved on when it came to their taxes and overall finances. Your federal income tax return […]
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Tax Advantages of a Health Savings Account
Heather Jordan  – February 09, 2024
Health savings accounts (HSAs) have been around for nearly two decades, but many people are unfamiliar with them and the benefits they offer. This article is an overview of how they work, who is eligible for them, and what tax advantages they provide. An HSA is essentially an interest-bearing, medical savings account that you can […]
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2024 Tax Guide: Quick Takes for the New Year
Emerj360  – February 02, 2024
View the 2024 income tax brackets, long term-capital gains tax rates and insights on some factors that may impact your tax situation in this guide. 2024 Federal Tax Provisions 2024 Federal Income Tax Brackets for single filers, heads of household, married filing jointly, and Trusts and Estates. (Click the chart to enlarge it.) Long-Term Capital […]
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