Broker Check

Blog

Welcome to the Agate Financial Partners blog.

What's on your mind?  Changes in tax laws, financial wellness, and wealth planning can affect you as you prepare for retirement.  Our blog will keep you up to date on things you need to know.  And occasionally, we may have a little fun and share news and information about our community.  Please keep checking in and we hope you enjoy it!  

Monday, May 13, 2024

I don’t know about you, but every time I see headlines that say, “Top 10 Reasons” or “How Much Do You Need,” I click on it. So when I saw the CNBC article, “You’ll need at least $1 million to retire comfortably in these 10 U.S. States...

Monday, May 6, 2024

Client's value professional guidance in a time of uncertainty. Widespread anxiety and uncertainty about the future Market volatility and recession fears are changing investor behaviors More can be done to increase retirement...

Tuesday, April 16, 2024

As a business owner, you’re always on the lookout for tax strategies. One opportunity that often goes underutilized is the tax advantages offered by a well-structured 401(k) plan. Beyond its role in securing the future of your...

Tuesday, April 9, 2024

When you see hypothetical examples of stock market performance, the illustrations often use average annual returns of between 8% and 10%. But how often does the stock market return between 8% and 10%? Only four times in the past 76...

Wednesday, April 3, 2024

As you are building your wealth and saving for retirement, a Roth IRA could be a tax-advantaged solution for you to invest your money and boost your retirement savings. Money that goes into a Roth IRA is after-tax dollars. Because...

Show All

Wednesday, March 27, 2024

Direct File officially opens in 12 pilot states following positive early reviews; eligible taxpayers can file online directly with the IRS for free. Taxpayers encouraged to try innovative new option before April 15 deadline IR-2024-68,...

Wednesday, March 20, 2024

R-2024-53, Feb. 28, 2024 WASHINGTON — With millions of tax refunds going out each week, the Internal Revenue Service reminded taxpayers today that recent improvements to Where's My Refund? on IRS.gov provide more...

Tuesday, March 12, 2024

Tax season is upon us when we reconcile our dues with Uncle Sam. However, it's also a period when some unscrupulous individuals exploit this necessity, conducting scams to defraud unsuspecting taxpayers. In this digital age, tax scams...

Tuesday, March 5, 2024

Sir John Templeton once said, "The four most expensive words in investing are: ‘This time it’s different."1 And normally, I would agree. But it seems like the phrase, "This time it’s different," may actually apply to...

Tuesday, February 27, 2024

Wall Street keeps asking, “When will the Fed start cutting interest rates?” But perhaps the better question is, “What is the Fed looking for before it would consider cutting interest rates?” As you may recall,...

Tuesday, February 20, 2024

4 things to watch ahead of the U.S. elections This is the biggest election year in world history. Seventy-six countries — home to roughly 4.4 billion people — will hold political contests in 2024. You might...

Monday, February 12, 2024

Discover the key considerations in choosing Medicare coverage, including costs, coverage rules, doctor choices, and travel coverage, among others. Plus, learn how to protect yourself from the Medicare COVID Test Scam, which involves...

Wednesday, February 7, 2024

1. Tax-Free Withdrawals Money that goes into a Roth IRA is after-tax dollars. Because you've already paid taxes on that money, once it is withdrawn, it comes out tax-free. There are some restrictions on those withdrawals if you want...

Monday, January 29, 2024

Did you know you may be able to offset the start-up costs of a retirement plan for your business with a plan startup tax credit? This new provision of the tax code was designed to help businesses with up to 50 employees help their...

Wednesday, January 24, 2024

Find The Solution That Works For You You may have college debt, a mortgage and possibly a few credit cards dragging you down. If you're in need of a way to manage this debt, consider debt consolidation. Consolidating your debt can...

Tuesday, January 16, 2024

Mortgages, auto loans, credit cards: Expert predictions for interest rates in 2024 PUBLISHED WED, JAN 3 2024 | 10:44 AM EST | UPDATED WED, JAN 3 2024 | 11:33 AM EST | Jessica Dickler CNBC  KEY POINTS The Federal...

Wednesday, January 3, 2024

Time's Person of the Year, Taylor Swift, is shaking off economic downturns and hitting high notes not just on stage but in the U.S. economy, too. The pop sensation's impressive impact extends beyond her record-breaking music, reaching...

Tuesday, December 26, 2023

Cetera Investment Management is pleased to release its annual Market Outlook for 2024 titled, "The Fed: From Foe to Friend." In this outlook, they discuss how investors could be faced with some market volatility in 2024 with election...

Tuesday, December 19, 2023

For many women like you, being financially secure is an important goal, whether you’re married, single, working, or staying home with children. This financial independence can give you a certain level of empowerment and...

Tuesday, December 12, 2023

The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start...

Tuesday, November 21, 2023

How much are you withholding per paycheck?Is the amount too little? (Or too much?) Find out the answer before the year ends. You may not want to discover next year that your withholding amount for this year was too small. The IRS...

Tuesday, November 14, 2023

The Social Security Administration recently announced that over 71 million Americans, including Social Security and Supplemental Security Income beneficiaries, will receive a 3.2% increase in their benefits for 2024.1 However, it is...

Monday, September 18, 2023

If you're approaching retirement, you're probably already familiar with some common steps to help you save money, including contributing to your retirement savings plans and avoiding early withdrawals or overly conservative investing...

Thursday, September 7, 2023

As we approach the back-to-school season, I wanted to discuss an important topic that might be on your mind: the cost of education. Whether you have children or grandchildren preparing for college or considering furthering your...

Friday, August 4, 2023

If you've heard CEOs mention "A.I." multiple times during second-quarter conference calls, you're not imagining it. There have been an astounding 1,072 mentions of A.I. (and counting) so far.1 Some believe that A.I. has the potential...

Tuesday, July 11, 2023

You already know that naming beneficiaries for your retirement accounts, life insurance policies and other assets is a critical component of estate planning. We want to call out a few common gaps we see in this process so you can avoid...

Tuesday, June 13, 2023

June is Pride Month, a time to celebrate. Pride serves as a reminder of our progress in fostering a society that embraces people of all orientations, identities, and expressions. It is a time for us to honor the contributions,...

Saturday, May 13, 2023

Start Creating Your Succession PlanAnd get your business ready for your retirement.You’ve worked for years building your business, hiring your employees, keeping up relationships with customers and running your company. But now...

Wednesday, April 12, 2023

Recently, you may have seen reports that the so-called “depletion date” for Social Security was adjusted. This refers to the predicted date when the long-running program will no longer be able to pay full benefits.Barring...

Thursday, March 16, 2023

When events like Silicon Valley Bank (SVB) and Signature Bank happen, it's natural to wonder how a bank safeguards your funds. Fortunately, the Federal Deposit Insurance Corporation (FDIC) insurance was designed for this very reason:...

Thursday, March 2, 2023

6 Questions to Ask When Planning for RetirementFinancial security in retirement doesn’t happen by accident. Planning for a financially independent retirement involves more than just putting money away into a savings account and...

Wednesday, February 15, 2023

In the final days of 2022, Congress passed a new set of retirement rules designed to make it easier to contribute to retirement plans and access those funds earmarked for retirement.The law is called SECURE 2.0, and it's a follow-up to...