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All Articles

Title
Date
Jan 09, 2020
The Incentives and Disincentives of Charitable Giving
President Trump signed the Tax Cuts and Jobs Act of December 2017 (TCJA) into law approximately two years ago, markedly changing the monetary benefits people derive from their charitable giving. The Federal Estate and Gift Tax Exclusions were increased, new laws involving standard and itemized deductions against personal income emerged, and the notion of Qualified Charitable Distributions (QCDs) was introduced. The provisions of the TCJA forced people to be more thoughtful about how, and how much, they choose to give.
Jan 09, 2020
Jan 08, 2020
Robo Advisors Have Arrived, But Life Often Calls for a Human Touch
After years of development, numerous robo advisors have entered the world of investment management. Still, many investors may not fully understand exactly what robos do, or how they do it.
Jan 08, 2020
Dec 20, 2019
Closing A Retirement Income Gap
Determining how much income you'll need in retirement requires projecting the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover that your income won't be enough to meet your goals. If you’re in that situation, you'll need to adopt a plan to bridge this projected income gap.
Dec 20, 2019
Dec 20, 2019
Communication is Key - Money Management & Relationships
It is an exciting time of your life – you’ve graduated college, moved out on your own, landed your dream job, and you’ve even been lucky enough to find that special someone. The future is looking bright, but you have questions about money mixing into your love life. This dilemma is no small matter; in fact, a study published by SunTrust Bank discovered that 35% of people experiencing relationship stress blame money as the primary culprit*.
Dec 20, 2019
Dec 05, 2019
Keep the Faith: Economy Continues Growth Pattern
The world is a chaotic place, with numerous geopolitical, economic and business conditions suggesting that financial markets are due for a pause. In spite of this, the Dow Jones Industrial Average, the Nasdaq Composite Index and the S&P 500 Index have all gone on to set new all-time highs in 2019. To boot, cyclical stocks have been rallying and perceived safe-haven investments like Treasury bonds and defensive stocks have been selling off. Fear has been supplanted by greed, or optimism at the very least, and the market’s faith in the global economy appears to be unbroken.
Dec 05, 2019
Nov 21, 2019
How to Use Qualified Charitable Distributions to Achieve a Win-Win
On December 18, 2015, President Obama signed into law the Protecting Americans from Tax Hikes Act of 2015. One provision benefitting seniors that was made “permanent” is the Qualified Charitable Distribution (QCD). I say permanent with tongue-in-cheek, of course, since very little Congress does can ever be considered permanent, particularly when it comes to tax legislation.
Nov 21, 2019
Nov 07, 2019
The Global Economy, Trade, and the Fed
Despite what many would consider a tumultuous past few months, world stock markets rallied from late August lows to finish slightly higher for the third quarter of 2019. In the US, the S&P 500 inched up 1.2% for a YTD gain of 19%, extending the longest bull market on record. Developed international markets declined slightly while emerging markets continued to lag. Bonds settled higher with the yield on the 10 US Treasury bond falling to 1.67%, highlighting a rare instance where both risk assets and safe assets increased in value, reflecting investor’s unease with the path of the global economy.
Nov 07, 2019
Oct 30, 2019
How to Protect Yourself Against Identity Theft
Massive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit card accounts, make unauthorized transactions in your name, and subsequently ruin your credit.
Oct 30, 2019
Oct 29, 2019
Protecting Your Small Business from Cyber Threats
Risk management is a key component in any successful business plan. In today’s world — where data breaches are common occurrences — it’s especially important for business owners to understand the digital risks they face. Are you doing all you can to mitigate the risk of a cyberattack?
Oct 29, 2019
Oct 29, 2019
Choosing the Right Solutions for Your Business Needs
It’s long been and still is the American dream to own your own business, and, when you do, you will need deposit accounts, cash management options, and it’s likely that you will need financing.Financing can be a solution not only for the purchase of a new business, but for buying equipment, vehicles, or inventory, funding receivables, purchasing a building, or doing build-outs and improvements on an already owned property. Unless you are fortunate enough to have a pot of money available, you will need to take some steps to obtain financing.
Oct 29, 2019
Oct 17, 2019
Women and Money: Take Control of your Financial Future
Women are experiencing an entirely new relationship with money than previous generations. Women are buying homes, raising children on their own, building thriving careers, and owning their own businesses. As a result, nearly half of women are the primary breadwinners in their households. Even so, women have unique challenges that need to be addressed in order to ensure lifetime financial success and independence.
Oct 17, 2019
Oct 17, 2019
Celebrating 100 Years of Trust Powers
What does this mean to our clients and community? As a Fiduciary, we are required to act on behalf of any person with the “highest standard of care,” trust, honesty, and loyalty. We have a legal obligation to act with our clients’ best interest in mind, and this comes naturally to us each and every day. This standard of excellence permeates our culture at CNC, where each employee is doing what is in the best interest of you, our clients.
Oct 17, 2019
Aug 19, 2019
Podcast: Financing for Business and Commercial Real Estate Development
The experts of this show featured Brendon Crossing, Senior Vice President, Relationship Manager, and Jason DeWitt, Vice President, Relationship Manager.
Aug 19, 2019
Jun 26, 2019
Retirement Plan Considerations for the Millennial
Every generation has to plan for retirement, each having different obstacles to overcome. For Millennials, those born between 1980 and 1999, there are multiple challenges. Remaining focused on a retirement that could be more than 40 years away is tough, particularly while your hard earned paycheck is competing with rent, student loans, a car payment, and a social life. The message here is: keep your eye on the prize and follow these tips.
Jun 26, 2019
Jun 26, 2019
Leaving a Legacy - Crucial Conversations with your Adult Children
You worked hard to accumulate wealth, and to ensure that your legacy reaches your heirs as you intend, you must make proper arrangements. It is important to speak with your family to ensure that they know your wishes about how you want your legacy to pass. These conversations will help ensure as smooth a transition as possible. There are four basic ways to leave a legacy: (1) by will, (2) by trust, (3) by beneficiary designation, and (4) by joint ownership arrangements.
Jun 26, 2019
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