Joe Jaspers's Loose Change Newsletter

Joe Jaspers, CFP^®

Vice President, Wealth Management

Carolinas Telco Capital Advisors

Located at Carolinas Telco FCU

9813 South Blvd, Suite 101

Charlotte, NC 28273

Phone: 704-391-5600

Toll Free: 800-622-5305, ext. 2608

Fax: 704-556-1652

Email: joe.jaspers@lpl.com

July/August 2019

Look at the Big Picture

You see a doctor for a health checkup and a mechanic to keep your vehicle in top shape. Likewise, it is important to work with a financial professional to conduct an annual review of your investment strategy, making sure it evolves as your life changes.

Reasons to Consider Owning Life Insurance in Retirement

If you are retired and your children are on their own, you may believe that you no longer need much life insurance* anymore. Then again, your life insurance benefits could continue to help you and your loved ones for years to come. Let’s count the ways:

Financial Challenges Many Women Face

Studies show, on average, women earn less, have smaller retirement account balances, and live longer than men. There is a temptation to talk about women’s financial challenges rather than their solutions. But the reality is that a need is a need, regardless of gender, and women can better meet their financial needs when they understand their options.

Natural Disaster Insurance

Summer’s here and damaging water and wind may soon follow. While you can’t stop Mother Nature, you can take steps to limit the financial impact of a hurricane, tornado or flood.

When Good Luck is Taxed

You just won money in bingo, a state lottery or a casino and the first thing you’re thinking about is how your windfall will be taxed. Ok, maybe that’s not the first thing, but you should know how your winnings are taxed because underpaying your taxes could cost you.

Leaving the Nest

When young adults leave the nest, they will confront a number of financial challenges for the first time in their lives, but there are some things they can do to help ensure a successful experience.

Help Recruit and Retain Top-notch Employees

The job market is competitive and qualified candidates are becoming harder to find. In this environment desired employee benefits may play a large role in a recruit’s decision to choose you or a competitor.

Take Control of Your Finances

While women have made gains in the workforce and on the financial front, they still have a way to go for full equality on both fronts. Women can overcome these challenges by taking charge and considering these steps:

Put Your Monthly Investing on Autopilot

Big swings in investment values may make headlines, but trying to predict market volatility isn’t usually a recipe for success. In contrast, a slow and steady investing approach may be boring but it can help you use market fluctuations to your advantage as you invest for long-term financial goals. Dollar-cost averaging* can play a part in this approach.

Plan for Change

When you prepare for industry, regulatory and other changes that could affect your business, you increase the likelihood that your business will prosper over the long term. Similarly, you’ll want to pay attention to changes in your business that could affect your personal financial or estate strategies. Here are some events that should trigger a review.

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