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The Importance of Good Credit Later in Life

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Retirement is a scary time for a person who has defined her usefulness by going to work and doing a job every day for forty-five years. In order to have enough money to live on for those retirement years, a person will have to unlock the power of saying “No” to a lot of things that might threaten the nest egg down the road.

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Year-End Investment Decisions

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From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


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Year-end investment decisions may sometimes result in substantial tax savings. Tax planning may allow you to control the timing and method by which you report your income and claim your deductions and credits. The basic strategy for year-end planning is both to time your income so that it will be taxed at a lower rate, and to time your deductible expenses so that they may be claimed in years when you are in a higher tax bracket. In terms of investment planning, investing in capital assets may increase your ability to time the recognition of some of your income and may help you to take advantage of tax rates that are lower than the ordinary income tax rates. You have the flexibility to control when you recognize the income or loss on many types of investment assets. In most cases, you determine when to sell your capital assets. In some cases, however, shifting potential capital gain income to other taxpayers through gifting may be an appropriate strategy.

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Choosing an Assisted-Living Facility

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From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


What is an assisted-living facility? The wide number of options available makes defining the term difficult. Generally, however, assisted-living facilities primarily serve senior citizens who need more help than those who live in independent living communities.

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Saving for the Future: Start Now or Start Later?

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From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


There are many ways to try to reach a future goal. You can save now, or you can save later (or perhaps do both). But there is an advantage to putting your savings and earnings to work for you as early as possible.

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Tips for Traveling Abroad

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From Stephen Clifford, Registered Investment Advisor Representative The Winfield Group - Scottsdale, Arizona


For many people, there's perhaps nothing more exciting than traveling to a new country, experiencing different cultures, tasting exotic foods, and exploring unfamiliar landscapes. But before you take off on an international adventure, consider that a little preparation and a few precautions can help prevent a lot of unexpected headaches.

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