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Christine Messmer
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Published work by Christine Messmer
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The Financial Strain of Caring for an Elderly Parent or Loved One
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RISK MANAGEMENT Insurance Coverage Considerations
Risk management is an important aspect of the financial planning process. As a financial advisor, it is essential to assess a person’s insurance coverage to determine areas of strength and areas for improvement. Any person who is not adequately covered with life, disability, medical, automobile, homeowners and any oth...
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Risk Management — Insurance Coverage Considerations
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Should you payoff debt or save more for the future?
The answer is “it depends.” It depends on your goals, income, expenses, stage of life, the interest rate on your debt, the term of the debt, the return you are receiving on your cash in the bank, the return you are receiving from your long term investments and other various factors. Consider that the best case scenari...
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Should You Pay Off Debt or Save More for the Future?
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TAX & ESTATE PLANNING Charitable & Gifting Strategies
The Tax Cuts and Jobs Act passed in December 2017 preserved tax benefits associated with charitable giving to qualified charities. Common charitable organizations include: ❏ Religious - church or other affiliations ❏ Charitable - hospitals, Alzheimer's association, Multiple Sclerosis Foundation, etc.. ❏ Education - pr...
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Tax & Estate Planning: Charitable & Gifting Strategies
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ESTATE PLANNING Part Two - Last Will versus Living Trust
The correct strategy for you last will or living trust depends on your individual circumstances and objectives. A last will determines how your assets pass to your heirs or others at your death; whereas, a living trust is created in your lifetime and affects your property during your lifetime and upon your death. If y...
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Estate Planning Part 2: Last Will Versus Living Trust
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Why is Estate Planning an Essential Component of Financial Management?
Estate planning is an important part of your overall financial management strategy because with a plan in place you will avoid unintended consequences. Certain plan documents will assist you in your lifetime, whereas other documents will assist upon death. If you become incapacitated, then you will have a trusted, com...
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Why is Estate Planning an Essential Component of Financial Management?
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June 2018 Christine Messmer — Tax Planning 2018
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Tax Planning 2018: How will your tax situation be different in 2018? What is the effect of the new tax law changes on your situation?
This is the perfect time of year to do tax planning, and planning ahead provides the greatest opportunities and benefits to you. Even before considering the new tax law changes; determine if there will be any change to your income and deductions this year versus last year. For example, in Tax Year 2017, did you have a...
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Retirement Planning - Part Three Retirement Investing and Setbacks
Whether a person has many years until retirement or it is just around the corner; investing for long term growth is essential. In an earlier article, it was mentioned that proper balance between the basic asset classes - stocks (equity assets) and bonds (fixed income) - helps to decrease market risk. Essentially, the...
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May 2018 Christine Messmer — Retirement Investing and Setbacks
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Retirement Planning - Part Two - What savings vehicles are available to prepare for financial independence and retirement?
The amount of assets needed to sustain cash flow, as well as, where and how it is invested must be carefully considered when planning for financial independence and retirement. People with a plan tend to be more confident that they will be comfortable throughout retirement. Saving and investing to provide for the futu...
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April 2018 Christine Messmer — What Savings Vehicles are Available to Prepare for Financial Independence and Retirement?
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Retirement Planning – Part One -What amount of assets do you need to be financially independent enough to retire?
What amount of assets do you need to be financially independent enough to retire? A long time ago, the assumption or a starting point was that most people needed about 70 percent of pre-retirement income to maintain their lifestyle in retirement. The reality in my experience is that most people need 100 percent of pre...
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March 2018 Christine Messmer - "Retirement Planning Part One"
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Investment Management: Building Wealth
Sound investment management requires clearly defining your goals, knowing your risk tolerance and understanding various investment options. Building wealth requires patience and a strategy appropriate for your personal situation and objectives. Frequently, investors have a high-risk tolerance when the stock market is...
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Cash Management: Enhance your financial position and take control of your finances
A fundamental building block of financial planning is cash management. Effective financial planning requires the accurate examination of cash inflows and outflows and the examination of assets and liabilities. The process of monitoring and examining cash flow allows people to prioritize and address financial goals and...
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January 2018 Christine Messmer — “Enhance Your Financial Position and Take Control of Your Finances”
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