Your 10 Year-End Tax Strategies, Money Decisions, FAFSA Changes, and more

Our Key Wealth Institute experts deliver insights to help you chart your course in today’s market.?

Tax Planning?

This year we’ve already seen an overall slowing of the economy, stubborn inflation, the Federal Reserve’s (Fed’s) higher-for-longer interest rates, a divided government, possible government shutdowns, geopolitical risk with the Ukraine-Russia situation, and investment market volatility. As we approach year-end, don’t get caught up in the uncertainty and freeze with indecision. Make sure your individual and/or business planning is where it should be.?

• Top 10 Year-End Tax Planning Strategies for an Individual by Tina Myers, CPA, CFP?, AEP? ?
• Top 10 Year-End Tax Planning Strategies for Business Owners by Tina Myers, CPA, CFP?, AEP? ?

Behavioral Finance

Big Little Choices??

How Good Planning Helps Us Make Better Money Decisions?

When we set any goal — whether it’s to reach the summit of Mount Everest or simply to live a healthy and prosperous life — the difference between success and failure often comes down to our decision-making process. From little choices to big decisions, the outcomes we desire are mostly within our control.?

Read more in this article by Thomas Jarecki, CFP? .?

Education?

FAFSA is Changing... What Should I Expect??

Thanks to the FAFSA Simplification Act, college financing for the 2024 – 2025 academic year may be tougher to get for some, so families should start thinking about the application process now.?

Find out more in this article by Mathew Bound, CFP? .?

Wealth Planning?

Borrowing money is more than just acquiring it to facilitate a purchase or bridge short-term cash needs. Many people effectively employ credit and borrowing strategies as part of their overall financial planning. Here are some ways in which individuals use credit strategically.?

Learn more in this article by Jim Thomas , National Head of Banking for Key Private Bank.

Home Purchases?

ARMs Can Give You a Leg Up on Buying a Home but Beware of the Reset?

One of many mortgage options available to borrowers is an adjustable-rate mortgage (ARM). An ARM can potentially save borrowers a significant amount of money during the initial rate period when compared to a fixed-rate loan. But when the interest rate resets, the change in the monthly payment can be substantial. Here are some considerations if you have an ARM where the rate reset is forthcoming.?

Find out more in this article by Jim Thomas , National Head of Banking for Key Private Bank.

Investment Strategy??

Our leading experts bring you their weekly research and insights on topics that matter most to you. From navigating turbulent global financial markets to interest rates, inflation and wealth management, our Chief Investment Office insights delve into today’s trends and tomorrow’s opportunities. Read our Weekly Investment Brief and Key Questions articles and listen to our Wealth Matters podcast to learn more.??

• Key Private Bank Investment Brief?
• Key Questions?
• Key Wealth Matters Podcast?

If you are interested in learning more about how these topics affect your plan, please contact our advisory team.?

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