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

March/April 2023

Reduce 2022 Income Taxes with a Traditional IRA Contribution

The tax filing deadline is getting close, but you may still have an opportunity to reduce the amount of income tax you owe for last year.

Financial Tips for 2023

You’ve probably heard the saying: “If you fail to plan, you plan to fail.” That adage is particularly true when it comes to your finances. Your objective should be to create a plan that can help you weather financial ups and downs, no matter what the economy is doing.

Targeting Seniors

Criminals find new ways to defraud their victims all the time. While anyone can become a victim of fraud, seniors age 60 or older seem to be the population most often targeted by scammers. Consider warning parents and older friends and relatives about these five common scams.

Managing Finances After a Divorce

No matter what your financial situation, divorce often entails going from two incomes to a single income. That can be hard on both spouses, but it can be especially difficult for women who are over the age of 50 when divorce occurs.

Post-divorce Checklist

Keeping up with the many tasks you'll need to complete after a divorce can be daunting. A checklist may help.

Tax Breaks for the Recently Divorced

Divorce can negatively affect the finances of both spouses, so it’s helpful to work with your tax professional to become aware of tax breaks that may lessen the financial burden.

Business Owners Strive to Counter Inflation

In Fall 2022, the U.S. Chamber of Commerce Small Business Index listed the impact of inflation as a major concern of 90% of small business owners. Business owners who consider inflation a significant challenge to growth and profits may want to take steps to counter its effects.

Life Insurance and the Single Life

If you're a single parent or just single, you might not have given a lot of thought to life insurance.* But there are some very good reasons why you should. Life insurance benefits can provide for loved ones, pay off debts, or finance a child's education if something were to happen to you.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Carolinas Telco FCU and Carolinas Telco Capital Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Carolinas Telco Capital Advisors, and may also be employees of Carolinas Telco FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Carolinas Telco FCU or Carolinas Telco Capital Advisors. Securities and insurance offered through LPL or its affiliates are:

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