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puzzle.
NEW PAYROLL TAX IN WASHINGTON STATE If so, read this! Washington State passed a new tax on employees to fund the first public-operated, long-term care (LTC) insurance program. Effective January 1, 2022, Washingtonians who are W-2 employees will be subject to a 0.58% payroll tax on all compensation. Said differently: You will pay $580 of additional tax per every$100,000 of
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT YOUR 2020 RMD ROLLOVER ON YOUR TAX RETURN How to Report the 2020 Rollover. Since Kendra returned the entire $30,000 withdrawal listed on her tax return, it won’t be included in her taxable income. However, she will need to report both the withdrawal and the rollover on her tax return. In her case, the full $30,000 will be reported on line 4a of Form 1040, with $0 reported onLine 4b.
HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirement SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majority MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
NEW PAYROLL TAX IN WASHINGTON STATE If so, read this! Washington State passed a new tax on employees to fund the first public-operated, long-term care (LTC) insurance program. Effective January 1, 2022, Washingtonians who are W-2 employees will be subject to a 0.58% payroll tax on all compensation. Said differently: You will pay $580 of additional tax per every$100,000 of
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT YOUR 2020 RMD ROLLOVER ON YOUR TAX RETURN How to Report the 2020 Rollover. Since Kendra returned the entire $30,000 withdrawal listed on her tax return, it won’t be included in her taxable income. However, she will need to report both the withdrawal and the rollover on her tax return. In her case, the full $30,000 will be reported on line 4a of Form 1040, with $0 reported onLine 4b.
HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirement SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majorityADVISORS | MERRIMAN
Danielle Brandli. Wealth Advisor, CFP®. Danielle is a CERTIFIED FINANCIAL PLANNER™ professional who has worked in the financial planning industry since 2015 and joined the Merriman team in 2020. Her education, understanding of personal finances, and passion for helping others drew her to a career in financial planning. FREQUENTLY ASKED QUESTIONS Merriman’s commitment to education is something that started with our founder, Paul Merriman, in 1983. There is a lot of noise about investments on TV and the web, and we think our experience and research puts us in a position to combat it with sound information so each investor can make good strategic investment decisions. PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above PREPARING FOR RETIREMENT Drew applied for his Social Security benefit at his full retirement age and receives $2,600 per month. Sarah applies for a spousal benefit once she reaches full retirement age. This benefit would generally be $1,300 (50% of her spouse’s); however, the benefit is reduced by two-thirds of her non-covered pension. SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
MAKING SENSE OF THE WEP AND GPO Sarah would normally qualify for a survivor benefit equal to Drew’s entire benefit of $2,600. Because of the GPO, she will only receive $1,200 since the benefit would first be reduced by two-thirds of her pension ($2,600 – $1,400). Keep in mind the GPO only PROVIDENCE HEALTH & SERVICES 403(B) Vanguard Short Term Bond (VBITX) 18% 18%. Vanguard Total Bond Market Index (VBMPX) 30% 30%. Disclosures. This information is provided by Merriman Wealth Management, LLC, a registered investment advisor, and is believed to be from reliable sources, but no guarantee is made as to accuracy or completeness. The investment securities and strategies SPLITTING PORTFOLIO BETWEEN DFA AND VANGUARD Over the very long haul, we believe that our suggested DFA all-equity portfolio will produce returns that average 1 to 2 percent a year higher than those of a similar portfolio at Vanguard. We know this won’t happen every month, every quarter or every year. It may not even happen every five years. There is a lot of academic evidenceshowing
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
THINGS TO REMEMBER AROUND TAX TIME IF YOU’VE MADE A Of this distribution, $20,000 was a QCD. This means that the QCD won’t be included in the taxable income. If there is the option to do so, write “QCD” to the left of box 4b on your tax return. Here you would need to add the $8,000 federal income tax withheld from this IRA distribution to any other federal withholdings from W-2s and/or MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
NEW PAYROLL TAX IN WASHINGTON STATE If so, read this! Washington State passed a new tax on employees to fund the first public-operated, long-term care (LTC) insurance program. Effective January 1, 2022, Washingtonians who are W-2 employees will be subject to a 0.58% payroll tax on all compensation. Said differently: You will pay $580 of additional tax per every$100,000 of
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
NEW PAYROLL TAX IN WASHINGTON STATE If so, read this! Washington State passed a new tax on employees to fund the first public-operated, long-term care (LTC) insurance program. Effective January 1, 2022, Washingtonians who are W-2 employees will be subject to a 0.58% payroll tax on all compensation. Said differently: You will pay $580 of additional tax per every$100,000 of
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above WHAT JJ WATT TEACHES US ABOUT PHILANTHROPY One of the provisions of the CARES Act was a suspension of 2020 Required Minimum Distributions (RMDs). For individuals who took a distribution early in 2020, they were given the opportunity to “undo” part or all of that distribution by returning funds to their IRA by August 31, 2020. TRADITIONAL OR ROTH 401(K)? As a general strategy: When you’re in the 12% tax rate or lower: Contributions should be made to a Roth 401 (k). When you start moving into the 22% tax bracket: 50% of contributions be made to a traditional 401 (k), and 50% to a Roth 401 (k). In your peak earning years: As you move into years with marginal tax rates above 22%, mostor all
LEV MARCUS | MERRIMAN Lev spends his days researching specific topics, performing custom client analyses, preparing client materials and improving automated systems. Before joining Merriman, Lev gained experience at Parametric Portfolio Associates a quantitative asset management firm. Lev has a bachelor’s degree from the University of Washington where he studied PERFORMANCE: TIME WEIGHTED RETURN VS. INTERNAL RATE OF The IRR, also commonly referred to as the dollar weighted return, is the measurement of a portfolio’s actual performance between two dates, including the effects from all cash inflows and outflows. Because cash flows are factored into the calculation, greater weighting is given to those time periods when more money is investedin the portfolio.
BE BRIEF, BRIGHT, GONE Be Brief, Bright, Gone Extroverted / Thinking Show Me You Care Introverted / Feeling Involve Me Extroverted / Feeling Give Me The Details Introverted / Thinking WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majority HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirement SPLITTING PORTFOLIO BETWEEN DFA AND VANGUARD Over the very long haul, we believe that our suggested DFA all-equity portfolio will produce returns that average 1 to 2 percent a year higher than those of a similar portfolio at Vanguard. We know this won’t happen every month, every quarter or every year. It may not even happen every five years. There is a lot of academic evidenceshowing
MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above WHAT JJ WATT TEACHES US ABOUT PHILANTHROPY One of the provisions of the CARES Act was a suspension of 2020 Required Minimum Distributions (RMDs). For individuals who took a distribution early in 2020, they were given the opportunity to “undo” part or all of that distribution by returning funds to their IRA by August 31, 2020. TRADITIONAL OR ROTH 401(K)? As a general strategy: When you’re in the 12% tax rate or lower: Contributions should be made to a Roth 401 (k). When you start moving into the 22% tax bracket: 50% of contributions be made to a traditional 401 (k), and 50% to a Roth 401 (k). In your peak earning years: As you move into years with marginal tax rates above 22%, mostor all
LEV MARCUS | MERRIMAN Lev spends his days researching specific topics, performing custom client analyses, preparing client materials and improving automated systems. Before joining Merriman, Lev gained experience at Parametric Portfolio Associates a quantitative asset management firm. Lev has a bachelor’s degree from the University of Washington where he studied PERFORMANCE: TIME WEIGHTED RETURN VS. INTERNAL RATE OF The IRR, also commonly referred to as the dollar weighted return, is the measurement of a portfolio’s actual performance between two dates, including the effects from all cash inflows and outflows. Because cash flows are factored into the calculation, greater weighting is given to those time periods when more money is investedin the portfolio.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. BE BRIEF, BRIGHT, GONE Be Brief, Bright, Gone Extroverted / Thinking Show Me You Care Introverted / Feeling Involve Me Extroverted / Feeling Give Me The Details Introverted / Thinking WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majority SPLITTING PORTFOLIO BETWEEN DFA AND VANGUARD Over the very long haul, we believe that our suggested DFA all-equity portfolio will produce returns that average 1 to 2 percent a year higher than those of a similar portfolio at Vanguard. We know this won’t happen every month, every quarter or every year. It may not even happen every five years. There is a lot of academic evidenceshowing
HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirement MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us aboveETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
COLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above WHAT JJ WATT TEACHES US ABOUT PHILANTHROPY One of the provisions of the CARES Act was a suspension of 2020 Required Minimum Distributions (RMDs). For individuals who took a distribution early in 2020, they were given the opportunity to “undo” part or all of that distribution by returning funds to their IRA by August 31, 2020. TRADITIONAL OR ROTH 401(K)? As a general strategy: When you’re in the 12% tax rate or lower: Contributions should be made to a Roth 401 (k). When you start moving into the 22% tax bracket: 50% of contributions be made to a traditional 401 (k), and 50% to a Roth 401 (k). In your peak earning years: As you move into years with marginal tax rates above 22%, mostor all
LEV MARCUS | MERRIMAN Lev spends his days researching specific topics, performing custom client analyses, preparing client materials and improving automated systems. Before joining Merriman, Lev gained experience at Parametric Portfolio Associates a quantitative asset management firm. Lev has a bachelor’s degree from the University of Washington where he studied PERFORMANCE: TIME WEIGHTED RETURN VS. INTERNAL RATE OF The IRR, also commonly referred to as the dollar weighted return, is the measurement of a portfolio’s actual performance between two dates, including the effects from all cash inflows and outflows. Because cash flows are factored into the calculation, greater weighting is given to those time periods when more money is investedin the portfolio.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. BE BRIEF, BRIGHT, GONE Be Brief, Bright, Gone Extroverted / Thinking Show Me You Care Introverted / Feeling Involve Me Extroverted / Feeling Give Me The Details Introverted / Thinking WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majority SPLITTING PORTFOLIO BETWEEN DFA AND VANGUARD Over the very long haul, we believe that our suggested DFA all-equity portfolio will produce returns that average 1 to 2 percent a year higher than those of a similar portfolio at Vanguard. We know this won’t happen every month, every quarter or every year. It may not even happen every five years. There is a lot of academic evidenceshowing
HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirement MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirementCOLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. MERRIMAN | WEALTH MANAGEMENTCONTACT USABOUT MERRIMANWORKING WITH USOUR TEAMBLOGLIFE AT MERRIMAN Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece of thepuzzle.
WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
ETFS | MERRIMAN
A share of stock, a share of a mutual fund and a share of an ETF that invests in stocks or bonds, on the other hand, represent ownership of a real asset. One common example of a derivative is a futures contract that allows a farmer to lock in a price for a given quantity of a crop before harvesting the crop. The other party is someone who wants THE INS AND OUTS OF DEFERRED COMPENSATION PLANS The Ins and Outs of Deferred Compensation Plans. Executives and other highly compensated employees might notice a different option in their benefits plan, beyond the usual 401 (k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations and potential THINK TWICE BEFORE MOVING INTO YOUR RENTAL TO AVOID TAXES The couple then rents out the home starting on January 1, 2015 for four years prior to selling it for $525,000. During the four-year rental period, they take approximately $40,000 of depreciation. When they sell the property on January 1, 2019, its adjusted basis is $335,000 ($375,000 – $40,000 depreciation taken). HOW TO REPORT A BACKDOOR ROTH IRA CONTRIBUTION ON YOUR It’s your responsibility to report the non-deductible contribution to your Traditional IRA at tax time on IRS form 8606, Nondeductible IRAs. Form 8606 helps track your basis and avoid paying additional tax on your non-deductible contribution as you convert the balance to a Roth IRA. The second step after making your non-deductible Traditional SHOULD YOUR HOME BE CONSIDERED IN YOUR ASSET ALLOCATION Homes can take anywhere from a few weeks, months or even years to sell, so it wouldn’t be considered a liquid asset that can be sold readily. Also, a home is located in a particular neighborhood, city, state, region and country, so it’s exposed to location-specific risks. You don’t receive dividends and interest annually from owningyour
HOW THE TAP ANNUITY WORKS FOR WASHINGTON STATE The TAP annuity provides a guaranteed income stream with a 3% automatic inflation increase each year. Furthermore, your beneficiaries receive a refund of any undistributed portion of your investment in the TAP annuity upon your death. For example, if a retiree contributes $200,000 into the TAP Annuity and passes away five years after retirementCOLLEEN LINDSTROM
Colleen Lindstrom Chief Financial Officer, CPA. Colleen is the former CEO of Merriman, and serves as the current board chair. She supports the executive team with extensive business and institutional knowledge, as well as overseeing legal matters and managing corporategovernance.
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. NAVIGATING HEALTHCARE OPTIONS We strive to deliver peace of mind to our clients, not just about investments and taxes but about everything that touches theirfinancial lives.
FREQUENTLY ASKED QUESTIONS Merriman’s commitment to education is something that started with our founder, Paul Merriman, in 1983. There is a lot of noise about investments on TV and the web, and we think our experience and research puts us in a position to combat it with sound information so each investor can make good strategic investment decisions. WE SOLD OUR HOME FOR A LOSS The following four scenarios consider the tax implications of this couple selling for a loss, and for a gain. Scenario 1. The couple sold the home for $750,000 after just three years of living in the house. Since the couple’s adjusted basis was $600,000, they realized a $150,000 gain on the sale. Each spouse receives a $250,000 gainexclusion
PSYCHOLOGY OF INVESTING In its most basic form, investing involves allocating money with the expectation of some benefit, or return, in the future that compensates us for the risk taken by investing in the first place. Investing is a decision: buy or sell, stock A or stock B, equities or bonds, invest now or later. But as the great Charlie Munger reminds us above PREPARING FOR RETIREMENT Drew applied for his Social Security benefit at his full retirement age and receives $2,600 per month. Sarah applies for a spousal benefit once she reaches full retirement age. This benefit would generally be $1,300 (50% of her spouse’s); however, the benefit is reduced by two-thirds of her non-covered pension. WHAT JJ WATT TEACHES US ABOUT PHILANTHROPY One of the provisions of the CARES Act was a suspension of 2020 Required Minimum Distributions (RMDs). For individuals who took a distribution early in 2020, they were given the opportunity to “undo” part or all of that distribution by returning funds to their IRA by August 31, 2020. TRADITIONAL OR ROTH 401(K)? As a general strategy: When you’re in the 12% tax rate or lower: Contributions should be made to a Roth 401 (k). When you start moving into the 22% tax bracket: 50% of contributions be made to a traditional 401 (k), and 50% to a Roth 401 (k). In your peak earning years: As you move into years with marginal tax rates above 22%, mostor all
WHY IT’S IMPORTANT TO KEEP TRACK OF IMPROVEMENTS TO YOUR The adjusted basis is what you previously paid for the home plus the cost of improvements. Since you are subject to federal capital gains taxes, state taxes (where applicable) and the 3.8% Medicare surtax (in many cases as the taxable gain can be sizeable), keeping track of your improvement history can lead to significant savings on your taxes. WHAT’S WITH THE CORRECTED 1099S? What’s with the Corrected 1099s? It’s tax season, and like last year, you received a corrected 1099 in the mail from your account’s custodian, such as Charles Schwab. If you already filed your taxes and are just receiving the corrected 1099 online or by mail, there’s no need to panic. Revised 1099s are commonplace, and in the majority WHAT’S THE BEST WAY TO TRANSITION FROM STOCKS TO INDEX We believe that the move you are describing is a good way to reduce your risk and potentially improve your return, because index funds and ETFs will give you much greater diversification. I recommend you follow the recommendations that you’ll find in Paul Merriman’s article “ The Ultimate Buy and Hold Strategy .”. 800.423.4893 info@merriman.com* RSS
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WHAT ARE YOUR FINANCIAL BLIND SPOTS? Virtually every new client comes to us with some areas of risk they don’t even realize they are taking, and it’s our job to help get them back on track. Do you know what your blind spots are? Take this quiz to find out!HOW WE HELP
We employ a proactive and collaborative process to understand who you are and what you want to accomplish so we can implement a customized plan for all areas of your financial life: Investments, taxes, estate planning, insurance, charitable giving, and more.Learn more
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WHO WE ARE
Merriman was founded in 1983 as a fee-only investment advisory firm with a strong focus on excellent service, smart investing and long-term goals. We’ve grown significantly since then, and have also come to realize that investment advice is only a small piece ofthe puzzle.
OUR PROCESS
To help our clients be truly successful in achieving their goals, we offer a comprehensive approach to wealth management that includes not only investment planning, but also encompasses taxes, estate planning, insurance, risk management, charitable giving andmore.
HOW WE THINK ABOUT INVESTING Investing is a sort of science. Our investment philosophy is grounded on decades of academic research, and relies on objective data rather than emotions and forecasts. Above all, we seek to balance return and risk considerations over longer-term time horizons.LIFESTYLE DRIFT
Have you ever thought if you only made more, you would be able to save more? Most of us have, and then we spend more.read more
FALL ITEMS TO CHECK OFF YOUR LIST With fall right around the corner, take the time to revisit your retirement accounts, eligible tax deductions, beneficiary designations, and employer benefits to ensure that you’re set up for the start of next year.read more
MY SPOUSE WANTS A DIVORCE, NOW WHAT? Divorce is scary. Having a team and helpful tools will make the process easier. You’re not alone.read more
WHEN YOUR WILL ISN’T ENOUGH End of life matters aren’t something we generally want to discuss, but doing so can greatly ease the stress of your loved ones during a difficult time. Use this checklist to state your intentions!read more
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WHY ADVISORS NEED ADVISORS Have you ever heard the proverb about the cobbler’s children? It essentially states that the cobbler’s children, although surrounded by well-made shoes, have the most worn out shoes. Or that doctors are the worst patients? The same can be said for wealth advisors. NOT ALL CFPS ARE EQUAL It’s true, not all CFP® professionals are created equal. This article discusses why you might want to seek out a CFP® and some common differences to help you in your search. It’s important to educate yourself on what financial planning really means and to ask a lot of questions before deciding who to hire.#GOALS
Want a new car, a second home and to pay off your debt? Read Wealth Advisor Aimee Butler’s article to learn how to prioritize yourgoals!
CLIENT SERVICE ACCOUNT SPECIALISTS – WHO ARE WE AND WHAT DO WE DO? Each part of the wealth management process presents potential challenges. Merriman helps solve these challenges with the help of a professional team of advisors, researchers, and operations staff, with the client services department acting as the glue that holds it alltogether.
HIRING A FINANCIAL ADVISOR So you’ve decided to hire a financial professional to help you navigate your future. You’ve talked to friends and family members, and while you trust their recommendations, putting your financial future into the hands of someone else is a very big deal. You need todo...
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