Posted by cskadmin on June 22, 2012
When analyzing cash flow, review operating activities, capital expenditures, and debt servicing. As any small-business owner knows, maintaining a positive cash flow is the essence of staying on course with your objectives. Conducting a periodic cash flow analysis will help you determine whether your business generates enough cash to meet your obligations and how cash […]
Read More →Posted by cskadmin on June 15, 2012
Division of debt and assets may vary depending on whether a couple lives in a community property state. Divorce can be a complicated and challenging process in which details are easily overlooked. It is important to know the laws that shape divorce proceedings and to understand the impact they have on your assets. Dividing the […]
Read More →Posted by cskadmin on June 8, 2012
Your options in managing retirement assets depend on whether the deceased was your spouse and also on the type of retirement account (401(k)/403(b) plan, IRA, or annuity) that you inherit. If you recently inherited retirement assets from a deceased loved one, it is important to pay attention to IRS rules that govern this type of bequest. […]
Read More →Posted by cskadmin on May 30, 2012
During the past decade, the returns of investment-grade bonds have exceeded those of stocks. During the past decade, many long-term fundamentals of investing have been turned upside down and one example is the performance of U.S. stocks compared with bonds. Over longer time periods, such as 20 or 30 years, stocks exhibited higher average annual […]
Read More →Posted by cskadmin on May 23, 2012
Creating a business plan forces you to take an objective look at your chances for success. Whether you’re an entrepreneur who dreams of starting a business or an experienced owner in search of future growth, creating a formal business plan is likely to be a cornerstone of the process. There are three reasons why a […]
Read More →Posted by cskadmin on May 16, 2012
The Federal Reserve’s policy of low short-term interest rates presents potential pluses and minuses for investors. The Federal Reserve’s recent announcement that it will maintain the federal funds rate in a range between 0.00% and 0.25% through December 2014 has generated the usual analysis about whether Chairman Bernanke and his colleagues are doing the right thing. But the […]
Read More →Posted by cskadmin on May 9, 2012
When appealing to younger workers, plan sponsors may need to frame messages in different ways. Workers under the age of 35 historically have had the lowest level of participation in employer-sponsored retirement plans. When these workers get older, they will have missed opportunities for compounding that could have made it easier to build retirement assets.1 “For […]
Read More →Posted by cskadmin on April 24, 2012
Tactical asset allocation adjusts a target investment mix to capitalize on near-term opportunities. Strategic asset allocation, the practice of maintaining a strategic mix of stocks, bonds, and cash, has guided many investors in creating portfolios that suit their risk profile and long-term investing goals.1 This widely used strategy is a long-term, relatively static tool and is […]
Read More →Posted by cskadmin on April 17, 2012
When assessing a potential acquisition, review why the current owner is selling, the history of the firm, and its internal structure. When purchasing a company, how do you settle on a fair price? There are steps you can take to better ensure a reasonable return on your investment for the amount of business risk undertaken. Due […]
Read More →Posted by cskadmin on April 10, 2012
Compliance errors within 401(k) plans frequently can be corrected without incurring significant fines. Given the complexity of 401(k) plans, mistakes are made even when plan sponsors try to follow the letter of the law. The Internal Revenue Service (IRS) maintains several correction programs, as well as a 401(k) Plan Fix-It Guide, that can help plan […]
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