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Joe Jaspers, CFP®


Carolinas Telco Capital Advisors

Located at Carolinas Telco FCU

2600 Sharon Road West, Charlotte, NC 28210


Phone:    704-391-2600 Ext 2608

Toll Free: 800-622-5305

November/December 2021

Moves to Make Before Year's End

Before you close the book on 2021, give yourself a head start on 2022. A year-end review of your portfolio and insurance can help ensure your investments are in line with your goals and your risks are properly covered for the new year.

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Your Year-end Business Plan

If you own a small business, reducing your 2021 tax bill and planning for a successful new year should be on your radar as the current year draws to a close.

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The Big Picture

Attention business owners: As you work with your financial and tax professionals to plan for your business, consider what you need to do to stay on track with your personal finances, too.

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Inflation: Retirement's Nemesis

Thinking about retirement can bring with it some mixed emotions. While you may be looking forward to leisure time, you may also have some concerns about whether you’ll have enough money to live the life you want without a steady paycheck. Creating a realistic spending plan is essential, as is planning for economic changes.

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Be a Grocery Grinch

Holiday grocery shopping can destroy your food budget in the blink of an eye. Save at the supermarket with these timely tips.

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Beneficiaries: Still the Ones?

Beneficiary designations name the person or persons who will receive the life insurance or retirement account proceeds upon your death.

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Spend Less for a Jollier Holiday

It doesn’t take much to overspend when the holidays roll around. But, after the presents are opened and the wrapping paper disposed of, your own “gifts” could be a pile of bills and buyer’s remorse.

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Holiday Tipping Guide: A Refresher

Tipping during the holidays is a nice way to show your appreciation to service providers for all they do for you during the year. Here are some general guidelines.

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Don't Forget to Do This!

Reviewing whether you’ve taken full advantage of your insurance benefits this time of year is something that is important, yet many forget to do it. Take a few minutes to consider these money-wise moves.

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Surprise - It's Taxable!

It’s almost that time of year when you and the IRS have to settle up what you owe — or what the government owes you. Before you prepare your tax return, consider whether you’ll need to include any of the taxable items listed below.

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Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Trust services available through MEMBERS Trust Company. Not NCUA/NCUISF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. The CFP certification marks are not affiliated with CBSI.
Carolinas Telco FCU, Capital Advisors and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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