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 Articles & White Papers

Outlook 2013 How Business Owners Can Ensure Their Retirement Plan is in Order

Too many business owners know they should save for retirement but put planning for it on the back burner. Forty percent of small business owners have no retirement savings or pension plan, according to a recent American College study, and some 75 percent have no written plan as to how to fund their retirement.

Calculating Retirement

When retirement was years away, calculating how much income you may need may have involved a lot of estimates. Now you can be more accurate.

Working with a Financial Planner

Proper long-term financial planning requires time, skill, discipline and confidence -- a combination that many individuals may lack. It's understandable that so many individuals are reluctant to take on the responsibility of researching and implementing their own investment programs. If you find yourself in this situation, it may make sense to consider working with a financial professional.

Tax Smart Tips

Savvy investors have long realized that what their investments earn after taxes is what really counts. After factoring in federal income and capital gains taxes, the alternative minimum tax, and potential state and local taxes, your investment returns in any given year may be reduced by 40 percent or more. Luckily, there are tools and tactics to help you manage taxes and your investments.

The Fiduciary Role

In the wake of the 2008 economic and market meltdown, a high percentage of individual investors have been asking themselves, and rightfully so, “Where can I find a trustworthy source of investment advice?” The good news is that a trustworthy source of investment advice does exist, and it is not limited to the super-wealthy. This source is the fiduciary investment advisor and fiduciary wealth manager.

Hidden Risks of Annuities

Dismal financial conditions, such as the 2008–2009 bear market and the subsequent uncertain economic recovery, often create opportunities for clever marketing strategies designed to capitalize upon investor fears. It is common for the insurance industry and Wall Street investment banks to take advantage of such marketing opportunities.

Quarterly Market Comment

December Monthly Market Comment January 2014 Quarterly Market Comment*

After much anticipation, the Fed announced that it would begin tapering QE in January, reducing monthly bond purchases by $10 billion. The market response to the announcement was muted, as equity markets rallied further on the news.

Read archived editions of Market Comment

*Quarterly Market Comment is a resource provided by Linscomb & Williams, an affiliate of Cadence Bank.

Cadence Trust Newsletters

Providing useful information to help you reach your retirement goals.

Your Retirement Matters Fall 2014

Read archived editions of Your Retirement Matters

What Keeps You Up At Night

What Keeps You Up At Night

Real Cadence customers talk about their business challenges

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Your Life. Your Plan.

Your Life. Your Plan.

A personalized approach to your financial goals.

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