Corey Cahill - Financial Advisor - GFM Advisory Group

In the latest edition of Investment Perspectives, our Investment Strategy Group discusses the importance of focusing on the macroeconomic environment, what to know about floating rate bond performance during rate cuts, and expectations for the stock market.

August Investment Perspectives In this issue of Investment Perspectives, we discuss the impact of the election on the market, floating rate bond performance during times of rate cuts, and using P/E to determine a stock's valuation.

Did you know Medicaid can help you cover long-term care and home healthcare costs? While eligibility can be very complex, with some thoughtful estate planning, you may be able to qualify for this valuable benefit. Read more.

Restructuring Your Assets to Qualify for Medicaid In 1965, Congress established the Medicare program to enhance insurance coverage and ensure greater financial solvency for seniors— regardless of income, current health status, or past medical history. At the same time, they outlined parameters for Medicaid—a state managed, means-based program t...

Did you know you can save on taxes while supporting your favorite charities and causes? Learn more about several tax-smart strategies when giving charitable gifts.

Tax-Smart Charitable Gifting Strategies While each of us has our own personal motivations for and approach to giving, collectively Americans continue to be the world’s most charitable nation. In 2022 alone, annual charitable gifting in the United States totaled $499.33 billion (with gifts by individuals comprising 64% of the total).1

Our Investment Strategy Group breaks down the economic and investment implications of recent major government spending initiatives on infrastructure, clean energy and semiconductor technology.

Status and Investment Implications of Infrastructure, Clean Energy, and Semiconductor Spending Acts In this special report, our Investment Strategy Groups discusses the investment impacts of recent major government spending initiatives.

It is essential to have a well-defined target asset allocation as part of your financial plan. Learn more about the importance asset allocation and some strategies to find the right balance with your investments.

Building a Personalized Asset Allocation The most impactful decision for investors when building their asset allocation with their Financial Advisor is how much to invest in stocks versus how much to invest in bonds. Taking the process a step further, one can decide how much to invest in U.S. stocks versus how much to invest in internation...

In the latest edition of Investment Perspectives, our Investment Strategy Group examines the price of gold, reviews the recent concerns around liquidity, and provides expectations for stocks over the next several months.

July Investment Perspectives In this issue of Investment Perspectives, Janney’s Investment Strategy Group examines the appetite for gold, the recent concerns around liquidity, and what to expect for stocks as the summer winds down.

Today, we celebrate the land of the free and the home of the brave. Happy Independence Day.

When it comes to life insurance, do you have more questions than answers? If so, use this checklist to determine if you need it and, if you do, what solution best fits your needs.

Determine How Life Insurance Fits in Your Financial Plan Choose your heirs. Spouses and children are common beneficiaries. But they’re not the only ones. Who else do you want to provide for?

Today, we celebrate freedom and commemorate the end of slavery in the United States. As we reflect on this culturally significant day, we continue to work toward a brighter more diverse, equitable, and inclusive future for all.

In its Mid-Year Update, Janney’s Investment Strategy Group provides insights and expectations for the economy, equity and fixed income markets, and investment implications for the rest of 2024.

Outlook 2024: Mid-Year Update To better position portfolios for the remainder of 2024, please take a few minutes to read the ISG Mid-Year Update to learn more about their expectations for the economy, and possible scenarios for the equity and fixed-income markets.

Happy Father’s Day to all the dads who give us love, guidance, and laugher.

Let us salute the stars and stripes that tell the story of our nation's resilience. Happy Flag Day.

Read this article to explore the tax benefits and other considerations of using 529 plan accounts to save for and help fund a grandchild’s college or private K-12 education.

529 Plans: A Tax-Efficient Way to Fund Your Grandchildren’s Education When grandparents are given the gift of grandchildren, they are often filled with the desire to do anything they can to help, financially and beyond. In fact, according to the AARP, grandparents spend approximately $179 billion on their grandchildren every year.

Today, we honor and remember the fallen heroes who sacrificed for our freedom.

In recent years, there have been numerous policy changes related to 529 plans. Learn more about these changes and the implications education planning goals.

The Changing Landscape of 529 Plans Here is a high level overview of each policy change and the corresponding benefits to 529 plan owners and their beneficiaries.

In the latest edition of Investment Perspectives, our Investment Strategy Group discusses optimism for European markets, the importance of real yields in the fixed income market, and market expectations for the months ahead.

May Investment Perspectives In this issue we discuss reduced pessimism toward European equities, real yields, and whether an S&P 500 high is still ahead.

Happy Mother’s Day to all the incredible moms who give us love and endless support.

Our Investment Strategy Group explains the importance of real yields to help you better position and strengthen your fixed income investments. Learn more about real yields and their significance in current market conditions.

Using Real Yields to Position Fixed Income Portfolios Today, real yields are relatively high, making it a good time to add to fixed income and/or to extend portfolio durations on the margin.

Did you save more in your 529 plan for college than your child needed? Learn more about two strategies you can use to optimize your remaining balance.

Planning Strategies for Remaining 529 Balances At first thought, having a balance in your 529 plan when your beneficiary finishes college may seem unlikely. However, there are certain circumstances that may result in leaving excess funds in a 529 plan, such as:

In the latest edition of Investment Perspectives, our Investment Strategy Group discusses what you need to know about economic activity in the Eurozone, declining interest rate volatility, and recent stock market performance.

April Investment Perspectives In this issue we discuss opportunities in the Eurozone, understanding the sensitivity to volatility, and the record-breaking stock market performance.

Happy Earth Day! Let’s cherish and celebrate all our Earth’s wonders.

The Tax Cuts and Jobs Act of 2017 is scheduled to sunset at the end of 2025, meaning significant changes could be on the horizon for taxpayers. Learn about some things to consider and strategies to help mitigate the potential tax risks.

3 Tax-Planning Considerations Ahead of Next Year's TCJA Sunset The Tax Cuts and Jobs Act (TCJA) of 2017 brought sweeping changes to the tax code for both businesses and individuals. Along with large, permanent tax cuts to corporate profits, the TCJA:

A 529 Education Savings Plan can be a great way to save for your children's or grandchildren’s education. Below are some of the key benefits of a 529 plan:

- Some states allow a tax deduction from (or credit against) state taxes for all or part of your contributions and will not pay any federal tax on earnings as long as the proceeds are used for a qualified education expense.
- The account owner maintains control of the account and determines the amount and timing of distributions.
- There are no income limits, and 529 plans have no time or age limits on contributions or withdrawals.

Read more about the benefits of a 529 plan.

Tips for Leveraging 529 Education Savings Plans Beginning to plan for a child’s education can seem like a daunting task. With the costs of college rising as much as 5% per year, the time to start saving and planning is now. For example, the national average cost of a:

In this report, our Investment Strategy Group reviews the major investment trends that will influence the economy and markets in the coming years, including advancements in artificial intelligence, the impact of aging demographics on health care, and shifts toward clean energy.

Investment Themes for the Next Decade This piece reviews the major secular investment trends that will influence the economy and markets in the coming years.

As we celebrate Easter, wishing you a day filed filled with joy, renewal, and the warmth of loved ones.

An often-overlooked provision of the Pension Protection Act allows you to gain valuable tax benefits by replacing an unneeded annuity with one that offers long-term care coverage. Several benefits can include:

- Tax-deferred growth
- New features/better rates
- Legacy planning

Learn more about annuity exchanges and if this solution would fit your situation:

Maximize Long-Term Care Benefits Using an Existing Annuity Purchasing traditional long-term care (LTC) insurance to help cover the costs associated with an extended care need—which are costs not covered by Medicare—can be an expensive undertaking. But thanks to an often-overlooked provision of the Pension Protection Act (PPA), which took effect in 2010,...

In this edition of Investment Perspectives, our Investment Strategy Group discusses the economic evolution of Mexico, insights into the framework on the Fed’s balance sheet, and whether there are new highs ahead for the S&P 500.

March Investment Perspectives In this latest Investment Perspectives, we discuss the economic evolution of Mexico, the Fed’s many misconceptions, and whether there are new highs ahead for the S&P 500.

The estate and gift tax exemption limit is currently at a historic high but due to “sunset” on December 31, 2025. Read more about some strategies and considerations to take advantage of this unique opportunity.

Window of Opportunity: Leveraging the Estate and Gift Tax Exemption In 2024, the estate and gift tax exemption is $13,610,000 per person ($27,220,000 for married couples), the highest it has ever been. The estate and gift tax exemption is set to “sunset” on December 31, 2025 to the prior estate tax exemption of $5,000,000 for individuals ($10,000,000 for married...

If you participate in a 401(k), or other qualified retirement plan that lets you invest in your employer’s stock, consider the tax deferral opportunities of net unrealized appreciation (NUA). Learn more:

Tax Deferral Strategies for Employer Stock in a Qualified Retirement Plan When you receive a distribution from your employer’s retirement plan, in general, the distribution is taxed as ordinary income. The most common way to avoid immediate taxation is to roll the plan assets over to an IRA. However, when you receive distributions from the IRA, they will be taxed as ord...

When it’s time to complete your tax forms, review this checklist with steps to help ensure a stress-free tax filing experience and also to help maximize your tax planning.

5 Simple Steps to Prepare for Tax Filing Whether your contribution is pre-tax or post-tax, any earnings you get on your investments are tax-deferred until withdrawal. If your employer matches contributions, contribute at least that percentage of your paycheck. Otherwise, you’re passing on money that could be invested for you.