• toomeyinvest
  • Finance
  • August 25, 2022

Do I Need a Financial Fiduciary?

If you’re taking the initiative in your financial planning, you may have heard that you need a financial fiduciary. A fiduciary is a professional or a company that is required by law to act in your best financial interests. The fiduciary might be a financial advisor, a lawyer, or even a real estate agent. This person can manage your assets, such as investment portfolios or other accounts, as well as real estate. Because this person is required by law to manage your assets in your own best interests, they have a duty of care to your finances and must disclose if the management of your assets benefits them.

Isn’t My Financial Advisor a Fiduciary?

Many people assume that just because they have a financial advisor, this person is automatically a fiduciary. This isn’t necessarily true. Not all financial advisors are completely independent like Registered Investment Advisors (RIAs) and even though they may have advanced planning credentials, they may be limited by the firm at which they are employed.

The Right Advisor At The Right Firm

Guaranteeing the trustworthiness of a financial advisor is often the responsibility of the investor. When choosing an advisor, it’s important to look for advisors with advanced credentials such as Certified Financial Planners, Chartered Financial Consultants etc., but we would argue that it’s even more important to inquire about the structure of the firm you’re partnering with. Advisors can, for instance, pass tests and acquire some of the industry’s best credentials, but work for a company that only offers one line of products and services. It’s extremely important to understand that you’re not just partnering with an advisor, but the firm he or she operates under. Knowing if your advisor can solicit a number of different broker dealers, insurance brokers, and investment custodians in structuring your financial plan could mean the difference between decent results, and great results.

For greater peace of mind, it’s important that you are able to trust your financial advisor explicitly and trust that they are making investment decisions that are in your best interest (instead of their own). To get the best possible performance from your financial planning, look for a professional firm with fiduciary responsibility that can customize a plan for you, your assets, and your lifestyle.

Choose Toomey Invest Management in Wallingford, CT

Toomey Investment Management, Inc. (TIMI) is an independent RIA, and we believe our business model enhances our ability to enhance our client experience. We realized long ago that the financial industry dedicated many resources to capture money from prospective clients but much less to service and accountability for existing clients. At Wallingford, Connecticut-based TIMI, we listen carefully, keep in touch, and return your calls and communications quickly, so you can count on us. We will work effectively to optimize your financial situation and solve your problems. Call us at 203-949-1710 or visit our website for more information.

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Have You Checked the Beneficiary Designation of Your Retirement and Other Accounts?

It’s a common mistake to believe that because you have a will, you don’t need to name beneficiaries for your other financial accounts such as IRAs and other retirement accounts, life insurance policies, and annuities. After all, your chosen heirs will get them in the end, right?

Not necessarily. It’s worth checking to see who is currently named as the beneficiaries of these accounts. You may have designated them so long ago that you’ve forgotten. But it’s important to note that even if you have a will, beneficiary designation on the account overrides a will. So you might just be leaving your IRA to an ex-spouse or family member who has passed away, or only your older children and not your younger ones.

Despite the wording of your will, the individual named as a beneficiary of your accounts will receive that money, even if the designation was made years or decades ago. Your will only covers the distribution of your assets included in the probate estate.

Take A Few Moments to Check the Beneficiary Designation

Aside from the fact that your beneficiary designation may be out of date, it’s possible that you never actually named a beneficiary. This means that after you pass away, your estate will become the beneficiary. Unfortunately, at that point, the money will become subject to the long and expensive probate process, which may leave your heirs waiting a long time to inherit.

It’s also important to name contingency beneficiaries to your accounts. This means that if your first beneficiary were to die before you (or at the same time as you in, say, an accident) the money would then pass on to the contingency beneficiary or beneficiaries. If you have children, this is a good way to ensure that the money will go to them if you and your spouse were to die at the same time.

Examine the Wording of Your Beneficiary Designation

You may have nebulous language in your beneficiary designation that leaves benefits for your “children.” If you don’t name them specifically, the inheritance issue could become murky, particularly if you have a blended family. Be sure to name each beneficiary specifically to avoid complexities and family arguments, and to understand what the term “per stirpes” means. It’s also worth designating contingent beneficiaries for each of your children in case they were to predecease you. Also, avoid designating one child as a beneficiary under the assumption that he or she will share the money with their siblings. The designated beneficiary has no legal obligation to do so.

Seek Professional Advice

Good estate planning helps protect your family and your beneficiaries. Look for a financial services firm that will stress-test your estate to make sure you’re addressing all aspects of your death benefits. The end result is an evolving plan that helps protect your family and friends.

At Toomey Investment Management, Inc., we are a dual registered, Independent RIA. This means that we retain the independence and flexibility to associate with a number of broker-dealers/custodians to can offer a range of products or services. We believe our business model best enables our comprehensive and objective approach as financial fiduciaries.  If you feel like we would be a great match for you and your family, please call us at 203-949-1710 or visit our website for more information.

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  • toomeyinvest
  • Trust
  • July 13, 2022

The Benefits of Creating a Trust for Your Estate

It’s not a pleasant thought to imagine one’s own death, but it also shouldn’t keep adults from estate planning. A study conducted by Caring.com and highlighted by the AARP found that fully 60 percent of Americans don’t have a trust or any other form of estate planning in place.

Why?

Many respondents found that it was “too soon” to plan. Others believe that estate planning is only for the wealthy and assume their families will inherit their assets when they pass away. Others simply don’t want to think about the prospect of their own death. The study asked more than 1,000 respondents whether they had estate-planning documents in case of their death

Whatever the reason for a lack of estate planning, it’s an egregious oversight, and could leave your heirs with a mess on their hands. The good news is that older Americans have gotten the message.

“While most U.S. adults aged 18 and over have not done the needful, 81 percent of those age 72 or older and 58 percent of boomers (ages 53-71) do, in fact, have estate-planning documents,” according to the AARP article.

Retirement planning experts recommend that even younger people should be thinking about setting up a trust.

What is a Trust?

A trust works in a very similar manner to a will. It’s essentially a contract that legally identifies your wishes for distributing your money, property, and other assets after your death. It differs from a will, however, in the way it holds the assets for your estate. When you set up a trust, you designate a trustee who will oversee the transfer of all your assets to your identified beneficiaries. One of the most important differences between a trust and a will is that, unlike a will, a trust is not subject to legal probate before assets can be distributed.

In addition, trusts aren’t for after death: many people who set up a trust designate themselves as trustees so they can manage their own affairs during their lives. They also name a successor trustee who can take over the estate when they are no longer capable, either through death or disability.

Why Should Younger People Engage in Estate Planning?

While it may seem like a worry for the future, it’s important for younger people to engage in estate planning, especially if they have children, to ensure that they’ll be cared for by people designated by the parents who can use their assets for the benefits of the children. Unfortunately, the same Caring.com study found that 78 percent of millennials (ages 26 to 41) and 64 percent of Generation Xers (ages 42 to 57) do not have a will. In the event of an untimely death, this lack of estate planning could leave children and families with difficult and expensive legal woes.

Seek Professional Advice

To further discuss the benefits of creating a trust and/or a will or to collaborate with your attorney, look for a financial services firm that will customize a plan for you, your assets, and your lifestyle to make sure you’re protecting your family and friends.

At Toomey Investment Management, Inc. (TIMI), our business model is designed to treat all of our clients equally and fairly. We realized long ago that the financial industry dedicated many resources to capturing money from prospective clients but much less on service and accountability for existing clients. At Wallingford, Connecticut-based TIMI, we listen carefully, keep in touch, and return your calls and communications quickly, so you can count on us. We will work effectively to optimize your financial situation and solve your problems. Call us at 203-949-1710 or visit our website for more information.

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  • toomeyinvest
  • Finance
  • April 21, 2022

Choosing a Financial Advisor That’s Right for You

We all need help managing our personal affairs. We need help in our homes, for repair or maintenance projects, on our vehicles, and during tax season. And like many DIY-minded individuals, some choose to manage their own financial affairs. While it may seem like a money-saving move, research by the National Financial Education Council has found that a lack of personal finance expertise actually costs the average American $1,200 each year.

Are Financial Advisors Only for the Rich?

A common misconception is that only people with vast wealth are served by hiring professionals to manage their personal finances. In truth, the right advisor can offer invaluable help to people of more modest means. The traditional fee structure for financial advice is often flexible in order to accommodate those who are not “wealthy.” If you have achieved a level of financial success, but you know you could be doing more, hiring an advisor could be the necessary step that leads to reaching, and potentially exceeding your goals.

Can’t I Just Google It?

As with anything you search for on the web, it is almost never a shortage of information, but the application and implementation of said information. Sure, you can learn a certain amount online through, for example, articles such as this, or even TED Talks and YouTube videos. The problem with the internet is that there may be too much information – some not relevant to your situation. None of this information you dig up will be customized for your individual needs, Dave Grant, founder and financial planner for Retirement Matters, Inc. told The Street.

“While this may work, many solutions are generic and don’t take into consideration personal situations that only an advisor can design around,” he said.

The Information Changes a Lot

While you may think you have a current handle on your finances, understand that it’s an ever-changing landscape. Tax codes change, as do health insurance regulations, rules surrounding retirement accounts and college savings plans, and estate planning regulations. What worked for you at 30 probably isn’t going to work for you at 50. With a DIY approach, you may not be uncovering the most relevant and up-to-date information regarding your financial planning, which can lead to expensive mistakes.

Where Do I Start with An Advisor?

For starters, you need to outline your financial goals so you know where to turn for the most appropriate help. Are you a millennial achieving a high level of success for the first time in your career? Maybe you’re a Baby Boomer on the brink of retirement and you want to make sure you are on top of all the moving pieces life now presents. Every household presents different circumstances. That’s why it is important you do not hold back when you meet with an advisor. The more information you provide, the more detailed your advisors’ presentation will be.

Are All Advisors the Same? 

It is important for consumers to understand that advisory firms have different business models. There are firms that operate under the broker-dealer model, captive firms that offer solutions from one line of products, independent RIA/Hybrid RIA models, etc. This may have an impact on the products and services an advisor can offer, so be sure to inquire about the advisor and the firm you’re engaging with.

At Toomey Investment Management, Inc., we are a dual registered, Independent RIA. This means that we retain the independence and flexibility to associate with a number of broker-dealers/custodians to can offer a range of products or services. We believe our business model best enables our comprehensive and objective approach as financial fiduciaries.  If you feel like we would be a great match for you and your family, please call us at 203-949-1710 or visit our website for more information.

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Should Millennials Be Planning for Retirement? Yes…Unequivocally

If you’re one of the 72 million millennials in the U.S., chances are you’re still in the early stages of your career. You may not have even found your niche yet, since you have long decades for crafting a path to career development. The thought of retirement may not even have crossed your mind yet…but it should.

Why Plan for Retirement Early?

While final retirement may be the date you finally stop working (and for millennials, the earliest that might come is the 2060s), retirement itself is actually a multi-decade process. Preparing for it now is imperative in ensuring that your money lasts the duration of your life — this is particularly urgent for a generation that is expected to live longer than its Baby Boomer parents.

Let’s take a look at some of the biggest considerations millennials should be visiting in their plans for the future.

Take Care to Build Your Credit Rating

Now is the time to be building a strong credit rating, not when you’re 55. If you have never taken out a loan or opened a credit card in the past, your credit rating may be minimal, or even non-existent. If you don’t already have an active credit card, think about getting one. Just be sure not to get in over your head…pay your credit card bill in full every month, if possible.

If you do already have a working credit card, consider using a reporting service to notify the credit reporting companies of your payments for things like rent and utilities, which can help you build more credit history.

Have “Good Debt”

It’s a myth that having no debt will lead to the best credit. This doesn’t mean, of course, that you should get yourself into unsecured debt to raise your score. Some types of debt are better than others when it comes to building a credit history. These “good debts” include mortgages, car loans, home equity lines of credit, general-purpose and secured credit cards, and personal loans.

Self-Subscription

Even if you have debt, it’s a good idea to always be investing. As long as you have earned income, you should be contributing a percentage (usually 10%) of your salary to the markets. If invested correctly over many years, compound interest will make your sacrifice well worth it when it comes time to retire. Millennials have no hesitation in consuming monthly subscription services (Prime, Netflix, HelloFresh, etc.), but they seldom have a monthly “subscription” to increase their net worth! If you haven’t started your self-subscription, it’s time to find room in the budget.

Take Advantage of Your Employer’s Retirement Fund

If you’re lucky enough to be working for a company that offers an employer-sponsored retirement plan, now is the time to be contributing to it, even if you can’t contribute the maximum. It’s this early “nest egg” that will grow exponentially in value to be there for you when you finally reach your retirement years.

If you can’t contribute the maximum amount to your 401k plan, at least be sure to contribute to the point where your employer matches your contribution. This extra amount will supercharge your retirement funds for future growth. If your employer doesn’t offer a 401k plan, consider some do-it-yourself planning by opening an individual retirement account (IRA). One side benefit of these types of retirement accounts is that they lower your taxable income.

Seek Professional Advice

If you’re serious about building the right foundation for your distant retirement, seek the advice of a professional who will be able to guide you to make the most of the resources you have.

At Toomey Investment Management, Inc. (TIMI), our business model is designed to treat all of our clients equally and fairly. We realized long ago that the financial industry dedicated many resources to capturing money from prospective clients but much less to service and accountability for existing clients.  We will work effectively to optimize your financial situation and solve your problems. Call us at 203-949-1710 or visit our website for more information.

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Tips for Closing Out Your 2021 Tax Year

The New Year often leads us to look to the future, but, until your taxes are filed, there’s some looking back that becomes necessary.   Though 2022 is likely to bring some changes to the U.S. tax codes that may affect your filing next year, you may consider seeking professional advice to ensure that you file the optimal tax return for last year.

For starters, it’s important to note that Tax Day won’t be on April 15 this year thanks to the federal Emancipation Day holiday in Washington, DC. The holiday means that tax returns will be due on April 18, though there may be exceptions in your state for state tax returns.

To ensure that your 2021 tax filing is accurate, consider the following.

Do a “financial health” checkup. Just as you should check in with your primary care doctor once a year, you should also consider a health checkup for your financial affairs. This will allow you to ensure that you’re not paying too much or too little in taxes during the rest of the year. The IRS offers an online tool that will help you check your federal income tax withholding.  Consult your state tax guides or with the authorities to check your state tax withholding guidelines.

Evaluate your IRA/401K/HSA Contributions. If you haven’t revisited the amount you contribute to your retirement accounts, now is the time to do so.  Annual contribution limits frequently change, or you may have aged into a group that is allowed to put more aside.  IRA limits for 2021 and 2022 are $6,000 ($7,000 if you’re over 50) per individual, with Roth contributions subject to an earnings cap.

In addition, if you have access to a health savings account (HSA) through your health plan, contribution limits are $3,600 for individuals and $7,200 for families for 2021 and $3,650 and $7,300 for 2022, with $1,000 more in catch-up contributions for those over age 55. Contributions are by tax year, so you may be able to make a 2021 and a 2022 contribution if you haven’t already met your 2021 contribution limit.

Understand your work-from-home deductions. If you’ve been working from home for your employer, you may be prepared to write off your home office expenses. The bad news is that you can no longer deduct your out-of-pocket expenses as an employee. The new tax law eliminated deductions for unreimbursed employee expenses that might have previously been claimed for home office costs on Schedule A as Miscellaneous Deductions.  If you’re self-employed, you may be able to deduct home office expenses.

Maximize your deductions. If you’re looking to reduce your tax burden, be sure you’re claiming all the deductions and credits that are available to you. The process of looking for deductions may also prompt you to make different financial decisions for 2022 and potentially help you reduce your taxes in the future.

Consult a financial services professional. To ensure that you’re maximizing your deductions and getting the most out of your tax filing, consult an experienced tax preparer or financial adviser with extensive hands-on tax history.

At Toomey Investment Management, Inc. (TIMI), our business model is designed to treat all of our clients equally and fairly. We realized long ago that the financial industry dedicated many resources to capture money from prospective clients but very little to require that their advisers develop tax expertise.  At Wallingford, Connecticut-based TIMI, we changed that.  We strive to achieve your objectives, keep in touch, and return your calls and communications quickly.  So you can count on us. We will work effectively to optimize your financial situation and solve your problems. Call us at 203-949-1710 or visit our website for more information.

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Social Security Tips for Couples

There’s so much that goes into planning for retirement and ensuring you have stability in those later years so you can enjoy them free of financial worry. What’s especially unique about planning for retirement is that no one’s situation will be the same. In terms of social security benefits, it’s worth taking the time to work with a trusted adviser who can help you make those important decisions early, so you can retire with confidence.

The thing that’s great about social security is that it’s inflation-protected. So, as the cost of living increases, so will the benefits you can receive when you collect. But it’s not as easy as working until you’re in your 60’s and then receiving the maximum benefit.

There are many factors to consider and these can change based on your marital status. Here are a few key social security tips for couples in 2022.

Understand Spousal Benefits

Whether you are married or single can play a significant role in how you claim social security benefits. It’s important to understand the rules of spousal benefits and how claiming at just the right time and with a strategic plan in place could change your benefit outcome. If you’re single, only your specified benefit initiation date must be considered. Longtime domestic partners are not considered married couples. However, when you are legally married you have a few options to consider. These are based on each person’s claim date and benefit amount and will mean choosing whether or not you should claim based on your own work record, or electing up to 50% of your spouse’s benefit amount.

Married couples should be working together and coordinating their election options when it comes to social security benefits.

Should You Work Past 62?

Another big question that comes about when you are starting to plan for retirement is at what age you will retire. Again, so many different factors can play into this decision. Things like long life expectancy and health can make it easier to delay claiming benefits. Every year past age 62 and up until 70 years old, there is an increase in the amount of benefits you can receive. Of course, this isn’t an option for everyone and the concern of outliving your benefits is also on the table. It’s important to have an open conversation with your spouse and to speak with a professional to guide you through the process.

Planning for Survivor Benefits

The one topic no one really likes to talk about but is essential in this decision-making process is how death may impact the benefit of the surviving spouse. If your wish is to provide the maximum benefit for your wife or husband after you pass then delaying when you start claiming social security can provide them with a higher benefit.Ready to start working on your retirement planning? At Toomey Investment Management, Inc. we want to help you and your family. We work to effectively optimize your financial world.

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What is Phased Retirement and Should I Consider It?

Retirement rates have skyrocketed since the COVID-19 pandemic began. Many baby boomers and older-aged employees left their jobs earlier than they originally had planned.

During what should be a happy milestone in one’s career, many were faced with hard decisions on how to maintain finances without their full salaries. Dipping into savings is an option for some. But not all. Social security payments are also lower for those who initiate benefits before the program’s full retirement age.

Beyond just the financial implications of retirement, there is also an emotional aspect that factors into how someone feels when they’ve worked 5 days a week for 30 plus years with a company and then suddenly they no longer have that piece of their life.

Phased retirement is trending more and more today as the workplace landscape also shifts.

Employer pension plans have dwindled and people are living longer overall today. With a phased approach, one is easing into retirement by keeping an income stream during the transition. Many are now even “retiring twice” as a result of finding work they can do to fill their spare time or to increase income after their initial retirement.

Some may have a workplace retirement incentive plan offered. These often require benefits-eligible employees who have completed a certain amount of years with the company. They include the ability to work part-time instead of full-time for a fixed period and allow employees to begin to withdraw retirement benefits.

The other option is to retire and then find a part-time job.

And 45 percent of U.S. workers agree. A recent Transamerica Retirement Survey of Workers found that almost half of respondents plan to reduce their work hours as they move closer to retirement.

Whether the reason is for physiologically easing into the shift in lifestyle, or to help financially support yourself after retiring, it’s important to understand phased retirement options so you can make the most informed decision.

Consider speaking with a trusted advisor about your specific circumstances. You should know for sure if you can afford to retire soon and the impact that retirement will have on your income/lifestyle.

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  • toomeyinvest
  • Estate
  • October 13, 2021

5 Practical Estate Planning Tips

Planning for what will happen as you approach the end of your life and after you pass away can make it easier for your loved ones to cope. Where indicated, an estate plan can help them avoid much of the probate court processes and fees and also provide instructions for taking care of their minor children. If you haven’t yet created an estate plan, here are some issues to consider.

1. List your Assets

Everything you own is includable in your gross estate. There are some assets that are more vulnerable to unforeseeable events, and some that are more shielded. It is important that you list everything you own and chart out whom you would like to inherit these assets. Whether your goal is to create multi-generational wealth, or you are charitably inclined, having this high-level conversation sooner than later can make a substantial difference.

2. Create a Living Will

You may become unable to make medical decisions for yourself and unable to communicate your wishes to doctors and loved ones. A living will allows you to make your preferences known ahead of time so that others will be able to take actions that reflect your wishes. A living will addresses matters such as whether you want to receive life support, pain medication, blood transfusions, and other forms of care.

3. Granting Power of Attorney/Appointment

Power of Attorney (POA) or appointment gives a person you trust the authority to make financial or medical decisions on your behalf if you become physically or mentally incapacitated. This can also be an effective tool in getting the clock ticking on assets you may not want to leave inside your estate. You can select one person to handle both types of issues, or you can designate multiple agents.

The individual to whom you grant a financial POA will be authorized to make financial decisions on your behalf and will have access to your accounts. The person you give a medical POA will be authorized to make medical decisions on your behalf.

4. Draft a Will

A will is a legal document that lays out how you want your assets to be divided after your death. If you have minor children, your will can make clear whom you want to be their guardian.

If you pass away and you haven’t created a will, those matters will be decided by a probate judge in accordance with your state’s laws. A judge may make decisions that are not what you would have wanted. Drafting a will can help you ensure that your affairs will be handled in accordance with your wishes after you pass on.

5. Periodically Review and Update Your Estate Plan

Your circumstances will change in the years ahead, so you should review your estate plan every 3-5 years. You may decide to allocate your assets in a different way after the birth of another child or grandchild. You may change your mind about who should be your children’s guardian after your death or the person you initially chose may no longer be able to fulfill that role for some reason. Most importantly, all estate plans are subject to legislative risk, so it is imperative that you keep your plans current with evolving estate law.

Get Help with Estate Planning

Toomey Investment Management, Inc., has a team of professionals who can work together to handle all aspects of your estate planning. Keep in mind that this article represents the basics of estate planning and high net worth individuals with diverse asset bases usually require more intricate planning measures. We can discuss your current situation and your wishes, and connect you with an attorney to draft legal documents that reflect them. Contact us today to learn more.

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Manage Your Risk with Insurance

Many people don’t think about how their family would get by if they experienced a sudden loss of income due to a disability or an untimely death. Even those who have insurance may be underinsured, which can leave their loved ones at risk.

Let’s take a look at how you can prepare for these future circumstances without leaving yourself, your heirs, or your family in difficult situations.

First, keep in mind that the insurance that employers offer is often not enough to fully cover a family’s needs. The good news is that you can have one or more forms of additional insurance coverage to make sure that you and your family will be able to cover the bills if something unfortunate occurs.

Types of Insurance to Consider

Disability insurance is one type of insurance that can provide financial protection if you are unable to work or if you experience a drop in income due to a disability. It’s important to note that disability insurance will only cover a portion of the amount you earned prior to becoming disabled.

Oftentimes, it is higher earners that need disability insurance the most. This can be due to a number of factors like higher living expenses or massive student loan debts that will need to be satisfied regardless of your ability to earn. Making sure you understand the cost-to-value and the number of different options available usually serves as a good starting point.

Long-term care insurance can be very expensive but can cover a significant chunk of costs incurred in a long-term care facility. Like most insurance products, the sooner you inquire, the more affordable it is likely to be. You should always read policy documents carefully before choosing a plan or work with a trusted adviser who can consult and recommend the best options. Before making a decision on insurance, you should understand the exclusions, waiting periods, and other provisions.

Life insurance is another common type that provides financial support for your family if you pass away. With this insurance, they will be able to cover the mortgage and other living expenses. A financial professional can help you figure out how much money your loved ones would need so you can purchase adequate coverage.

Umbrella insurance  Another thing to consider is if you’re found liable for an accident that injured someone. Often times your homeowners or auto insurance policy may not fully cover the medical bills and other expenses incurred. If the injured party begins a lawsuit over the incident, it may subject your home, retirement savings, and other investments to great risk.  As UMBRELLA insurance can protect you by providing extra coverage that goes beyond the limits of your homeowners or auto policy, it is a wise plan to consider.

Get Help Choosing the Right Coverage to Protect Your Income and the Future of Your Family

TIMI advisers have been insurance licensed for over three decades. We will provide a comprehensive in-house analysis to identify household vulnerabilities and piece together a plan to reduce your risks. Once we’ve reviewed your existing annuities, medical, and life insurance policies, we can work with our network partners to help you find the combination of insurance policies that will provide your family with financial protection.

If you’d like to discuss your current financial situation, future needs, potential risks, and available options for one or more types of coverage, give us a call!

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