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|June 3, 2013||Nine Big Mistakes When Saving for Retirement
When it comes to funding your retirement, you have to watch your step. What seems reasonable today may not ultimately help you reach your goals. Here are some important things to consider as you formulate your retirement investment strategy.
Read the Report Here
|May 20, 2013||WrapManager Closed in Observance of Memorial Day
WrapManager's office and the stock market will be closed on Monday, May 27th, 2013 in observance of Memorial Day.
|April 8, 2013||JP Morgan's Second Quarter Guide to the Markets
JP Morgan’s Quarterly Guide to the Markets for the second quarter 2013 is now available. This comprehensive guide focuses on the latest information about equities, the economy, fixed income, international markets and various asset class performance for the quarter.
Click here to download JP Morgan's Guide.
|March 25, 2013||WrapManager Closed in Observance of Good Friday
WrapManager's office will be closing at 2:30PM PST on Thursday, March 28 and will be closed on Friday, March 29, along with the stock market, in observance of Good Friday.
|March 18, 2013||Amendments to Form ADV Part 2A Disclosure Brochure
Each year WrapManager, Inc. will offer to provide a copy of our most current Form ADV Part 2A Disclosure Brochure. You can access a copy here.
If you would like us to mail you a copy of the brochure, please contact us at 1-800-541-7774 or vdevol [AT] wrapmanager.com. Our disclosure brochure provides regulators and clients with a description of our programs, fees, conflicts of interests, and other business activities.
Click here to review a summary of recent material changes to the brochure.
|March 4, 2013||Five Important Estate Planning Documents
No matter what your age or net worth, considering an estate plan to protect yourself, your loved ones and your assets is a good idea.
We believe it's helpful to have a basic understanding of five of the main estate planning documents.
Read the Report Here
|February 22, 2013||2013 Retirement Plan Contribution Changes and Facts
Contributing to your IRAs and employer-sponsored retirement plans can be important to reaching your retirement goals. There are various rules set forth describing how much and if you can contribute each year. This is based on a few factors, including your marital status and modified adjusted gross income (MAGI).
Click below to access this brief piece describing the limits for 2013. One important change to note is that the contribution limit for Traditional and Roth IRAs has been raised from $5,000 to $5,500 (per individual). If you have any questions, please give your Wealth Manager a call at (800) 541-7774.
Read the Guide Here
|February 11, 2013||WrapManager Closed on President's Day
WrapManager's office and the stock market will be closed on Monday, February 18, 2012 in observance of President's Day.
|February 5, 2013||Mobile Online Access - Now Available
You are now able to access your accounts online through your smartphone! iPhone, Android and Blackberry users can now view account balances, activity and holdings, market data and news.
Simply go to the Client Login webpage using your phone's web browser and sign in. You can access the log in page here.
You can read more about this enhancement by clicking here or by calling your Wealth Strategist at (800) 541-7774.
|January 30, 2013||Turbo Tax Discount for WrapManager Clients
WrapManager clients can save up to $20 on TurboTax Online Federal Products.
Take advantage of this offer, available starting February 12th, by logging into your Access Online > Education > Turbo Tax Downloads.
|January 14, 2013||Office Closed in Observance of Martin Luther King, Jr. Day
WrapManager's office and the stock market will be closed on Monday, January 21, 2013 in observance of Martin Luther King, Jr. Day.
|January 7, 2013||Understanding the American Taxpayer Relief Act of 2012
The American Taxpayer Relief Act of 2012 changed many of the tax rates and deduction limits. Understanding these changes is important for investors. If you have any questions, please give your Wealth Strategist a call at (800) 541-7774.
Click here to download the brief guide and review the changes.
|December 18, 2012||WrapManager's Holiday Hours
WrapManager's office will be closing on Monday December 24th at 1:30PM EST and closed on Tuesday, December 25 in observance of the Christmas holiday. The office will also be closed on Tuesday January 1, 2013 in observance of the New Years holiday.
|December 5, 2012||Evolving Your Income Strategy - JP Morgan
JP Morgan's latest report on finding yield in today's environment addresses the following questions: How can you earn more income from your investments? What happens if rates start to rise? Will your bonds lose money? Should you be worried about inflation? Are you diversified enough?
Download the full report here
|November 29, 2012||Tackling the Fiscal Cliff - Cutting Through the Clutter
Federal Reserve Chairman Ben Bernanke is credited with coining the term "fiscal cliff" back in February 2012. With the elections behind us, the focus has turned to the uncertainty of what could happen as the December 31 deadline approaches. As such, we think Wells Fargo's report on the Fiscal Cliff helps to simplify and explain just what is going on and what's at stake.
Download the report here
|November 19, 2012||Transfer-on-Death Designations: Understanding the Pros and Cons
“Transfer-on-death (TOD) designations provide a simple, direct process for transferring assets to named beneficiaries, bypassing the probate process. While this simplicity is attractive, it can also have drawbacks. That’s why it’s important to understand both the pros and cons.”
Download the Report Here
|November 13, 2012||Thanksgiving Holiday 2012
WrapManager's office will be closing at 1:30PM PT on Wednesday November 21st and will be closed Thursday, November 22nd and Friday, November 23rd in observance of the Thanksgiving holiday.
|November 6, 2012||Tax Loss Selling
Please be sure to let your Wealth Strategist know if you need to do any tax loss selling in your account(s). Your Wealth Strategist can also give you the detailed information about any unrealized gains/losses in your accounts. To discuss this now with your Wealth Strategist, please call (800) 541-7774.
|November 2, 2012||Understanding Employer-Granted Stock Options
"Employee stock options can be one of the most valuable benefits companies provide as part of a benefits package. However, the financial consequences of exercising them can be quite confusing and varied, depending on the features of the options that have been granted. This report will help explain how stock options are used as compensation and how to differentiate between the types of options. You will also find helpful information about the tax consequences associated with exercising stock options and key terminology."
Download the Report Here
|October 28, 2012||New York Stock Exchange Closed
The New York Stock Exchange will be closed on Monday October 29th and Tuesday October 30th due to Hurricane Sandy. WrapManager will be open during our regular business hours.
|October 8, 2012||Your 2012 IRA Required Minimum Distribution
If you are required to take a required minimum distribution (RMD) from your IRA(s), you may have received a notification letter from Prospera Financial Services. This letter includes your remaining 2012 RMD amount and lists out the amount for each IRA account you have with WrapManager.
As a reminder, your total RMD amount is based on the total value of your IRAs held with and outside of WrapManager. Your Wealth Strategist can help calculate, review and make any adjustments to your RMDs during your quarterly review call.
If you have any questions about your required minimum distributions or accounts, please give your Wealth Strategist a call at (800) 541-7774.
|October 2, 2012||Your Fourth Quarter Guide to the Markets - JP Morgan
Dr. David Kelly of JP Morgan Asset Management is back with his fourth quarter Guide to the Markets. In this comprehensive guide you’ll find information on the markets, economy, fixed income, international markets and various asset classes.
This guide can be a valuable resource for the main economic and market indicators and trends. If you have any questions, or would like to discuss a particular topic, simply give one of our Wealth Strategists a call at (800) 541-7774.
Download the Guide Here
|September 20, 2012||2012 Tax Loss Selling
If you have any tax loss selling to accomplish before the year-end, please be sure to let your Wealth Strategist know during your upcoming quarterly review.
Your Wealth Strategist can also give you the detailed information about any unrealized gains/losses in your accounts.
To discuss this now with your Wealth Strategist, please call (800) 541-7774.
|August 22, 2012||WrapManager Closed on Labor Day
WrapManager's office will be closed on Monday, September 3rd along with the stock market, in observance of Labor Day.
|August 15, 2012||2012 Tax Planning Tables
With over half the year behind us, many are starting to think about taxes, distributions, limits and tax related strategies. To help with this, we're happy to provide a guide that covers these and more for a variety of items including: Income, dividends and capital gains/loses, education planning (529 plans, Education Savings Accounts), retirement accounts, social security, medicare and more.
Click here to download the 2012 Tax Planning Tables
If you would like to review your portfolio tax situation, feel free to give your Wealth Strategist a call at (800) 541-7774.
|July 20, 2012||Access Your Envision Summary Online
You are able to view a summary of your Envision plan and where you stand as of the latest full month. Simply log in to your online access, click the "Statements & Documents" tab, then click "Envision Process." An Envision plan combines your goals, finances, and investment strategy into a comprehensive and insightful report that changes with you.
|July 10, 2012||Understanding Long-Term Care Insurance
Long-Term Care insurance helps cover the cost of basic daily living activities such as bathing, eating, walking and so on. It is not designed to cover the costs of medical care, but rather the costs associated with personal tasks of everyday life. Knowing the potential costs of long-term care can help with your financial planning.
The attached guide provides additional details about long-term care insurance including the benefits, who should consider it, and the associated costs.
Click Here to Download the Guide
|June 29, 2012||WrapManager Closed in Observance of Independence Day
WrapManager's office will be closing at 10:30AM PST on Tuesday July 3rd and will be closed Wednesday July 4th, along with the stock market, in observance Independence Day.
|June 6, 2012||Understanding Beneficiary Designations - Ten Things Everyone Should Know
Most of us think of our estate plan as our will or living trust. However, in many cases, those documents have no effect on some of your most important assets. Instead, your beneficiary designations control who will receive those assets. Always keep these important considerations in mind regarding your beneficiary designations.
Click here to read the full report.
|May 21, 2012||WrapManager Closed in Observance of Memorial Day
WrapManager's office and the stock market will be closed on Monday, May 28th, 2012 in observance of Memorial Day.