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Fay Sheppard, CRPC

Senior Vice President - Investments, Financial Advisor

Newsletters

Which are the most tax-advantaged ways to save for kids’ college costs?  Will your income stream last through retirement? Is your investment portfolio aligned with the economic and market outlook?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read an article in its entirety.

Previous Newsletters

June

HOT TOPIC: Rising Rates Join Long List of Housing Dilemmas

This article explores how soaring housing costs, rising rates, and declining affordability could impact borrowers and the housing market.

Where to Look for Lost and Forgotten Money

States hold unclaimed property for about one in 10 Americans. Here are some online resources that may help you find out if you’re one of them.

What’s Your Retirement Dream Elevator Pitch?

How do you see your retirement? This article provides some guidelines to help you develop a well-defined retirement vision.

Consider a Bond Ladder for Rising Interest Rates

A bond ladder can help mitigate the effect of rising rates, generate income, and dampen the effects of stock market volatility. Learn more.

Avoiding Probate

Probate can result in added expenses and delays when settling an estate. Read about four ways to avoid the probate process.

May

HOT TOPIC: High Inflation: How Long Will It Last?

This article looks at some of the forces behind rising prices, the Fed’s plan to combat them, and early signs that inflation may be easing.

Planning to Quit Your Job? What to Know Before You Go

Millions of U.S. workers voluntarily left their jobs in 2021. Here are some things to keep in mind if you’re considering quitting.

Working While Receiving Social Security Benefits

Do you understand how working in retirement can affect your Social Security benefits? Read this article to find out.

Why Small Businesses Should Pay Attention to Accessibility

Find out more about how Americans with Disabilities Act requirements and guidelines may apply to your premises and websites.

Food Inflation: What’s Behind It and How to Cope

U.S. food prices were hit hard in 2021. This article includes seven tips to help consumers control their family’s grocery bills.

Baseball Lessons That Might Help Change Up Your Finances

Learn some lessons from America’s favorite pastime that may inspire you to take a fresh look at your finances.

April

Flood Insurance: Be Prepared for Rising Waters and Changing Rates

Read about a new flood risk-rating system that could help homeowners assess actual risk and set more appropriate insurance premiums.

What’s the Difference Between Medicare and Medicaid?

Medicare and Medicaid may seem similar, but what each program pays for and for whom can be very different.

Key Retirement and Tax Numbers for 2022

Explore some key retirement plan contribution limits and various tax deduction, exclusion, exemption, and threshold amounts for 2022.

ETFs Are Gaining on Mutual Funds: Here’s Why

Are you familiar with the differences between mutual funds and exchange-traded funds? This article compares and contrasts the two.

March

HOT TOPIC: Colliding Forces: Oil, Russia, Inflation, and Market Volatility

Find out more about rising oil prices related to the Russian threat to Ukraine, and the potential effects on U.S. consumers and investors.

When Buying Is Easy, Paying Later Can Be a Problem

Spreading out payments for online purchases may be tempting, but shoppers should think twice before committing to installment purchases.

Going Green: A Fast-Growing Corner of the Global Bond Market

This article looks at the types of projects funded by green bonds, some current trends, and the potential benefits and risks for investors.

If You Don’t Have a Will, You Probably Should

Do you have a will? If not, this article offers three key reasons why you should.

Mutual Funds: Do You Know What’s in Your Portfolio?

It’s important for investors to understand the funds in their portfolios. This article provides an overview of different types of funds.

When Two Goals Collide: Balancing College and Retirement Preparations

This article discusses college financial aid and some ideas that might help fund college while maintaining a solid retirement savings strategy.

February

Did You Know Medicaid May Pay You as a Family Caregiver?

Caregiving can exact physical, emotional, and financial tolls, but in some cases, Medicaid may provide financial relief to family caregivers.

Preparing for Libor to Leave the Building

The London Interbank Offered Rate influences borrowing costs worldwide. Discover why the financial industry wants a more reliable benchmark.

How to Correct an Error on Your Credit Report

Did you know credit report errors more than doubled during the pandemic? Find out how to get your free credit report and correct any errors.

Building Blocks for Financing College with Less Debt

Financing a college education with minimal debt requires planning, saving, financial aid knowledge, research, and sound decision-making.

HOT TOPIC: Help Wanted: Why Can’t Businesses Find Enough Workers?

This article discusses the U.S. workforce and what the shifting labor market could mean for workers, employers, inflation, and economic growth.

January

Charitable Giving Can Be a Family Affair

Discover four ways to incorporate charitable giving into an overall financial plan that fulfills a family’s wish to “give back.”

401(k) and IRA: A Combined Savings Strategy

Do you know the differences between a 401(k) and an IRA? Find out how they might work together to boost your retirement assets.

Looking Back, Looking Forward

See the indicators economists rely on to understand the past, present, and potential future direction of the economy.

Your Social Security Statement: What’s in It for You?

This article explains some of the key information provided on a personalized Social Security Statement.

Going Public: How Are Direct Listings Different from IPOs?

Do you know the difference between an IPO and a direct listing? This article explores the two paths companies can take to go public.

HOT TOPIC: The Fed Pivots to Fight Inflation

This article looks at the strategy behind the Fed’s monetary policy shift and the potential consequences for consumers, investors, and the economy.

December

HOT TOPIC: Supply-Chain Chaos: Holiday Edition

Explore current economic conditions and retail trends, including sharply higher prices and the potential for sporadic product delays and shortages.

Is Your Business Eligible for the Research and Development Tax Credit?

U.S. business owners who spent money to develop new products or improve existing products or trade processes may qualify for the federal R&D tax credit.

Catalytic Converter Thefts Are on the Rise: Here’s Why

Find out why catalytic converters are targeted by thieves and how comprehensive auto insurance can help provide some financial protection.

Balancing Medicare and Work-Based Insurance

Read about rules and other considerations faced by workers who are eligible for both Medicare and employer-based health insurance.

Year-End 2021 Tax Tips

This article outlines various tax-related financial moves to consider before the end of the calendar year.

Should You Speed Up Your Retirement Plans?

The pandemic caused some Americans to file for Social Security earlier than planned. See four factors to consider before retiring early.

October

HOT TOPIC: Social Security’s Uncertain Future: What You Should Know

This article explores demographic trends that are dimming Social Security’s financial outlook and proposals to address the looming shortfall.

Fund Retirement and Reward Workers with a Cash Balance Plan

Do you know how cash balance retirement plans can help small business owners reduce taxable income and catch up on their savings? Find out.

Credit Scores Reach Record High

This article discusses the components that determine your credit score and provides tips for maintaining a high score or raising a low one.

A Map for Your Family

A letter of instruction could be just as important as a will to help loved ones settle an estate. Do you know what information to include?

Grandparent 529 Plans Get a Boost Under New FAFSA Rules

Read how the FAFSA Simplification Act helps grandparents assist with college costs without impacting their grandchildren’s financial aid.

September

What a Relief! Congress Acts Against Surprise Medical Bills

Have you heard of the No Surprises Act? Taking effect in 2022, it helps protect consumers from large, unexpected medical bills. Learn more.

HOT TOPIC: Too Hot to Handle: What’s Ahead for the U.S. Housing Market?

Explore some key factors between the housing squeeze and recent signs that suggest it may be easing.

A More Affordable Life Insurance Solution

Thinking of letting your life insurance policy expire? Learn about survivorship life, which may be more affordable for older consumers.

Following the Inflation Debate

See how measures economists and Fed policymakers use to monitor inflation fuel the debate over how long 2021’s price increases will last.

Child Tax Credit for 2021: Will You Get More?

This article discusses substantial, temporary improvements to the child tax credit due to The American Rescue Plan Act of 2021.

Signs of a Scam…and How to Resist It

Discover four common practices that might help you identify and avoid scams.

August

Crisis Averted? Financial Help for Struggling Renters and Landlords

Read about programs that help both landlords and tenants by providing direct housing assistance for eligible renters.

Concerned About Inflation? Consider TIPS

Do you understand how Treasury Inflation-Protected Securities can help mitigate inflation risk? This article provides an overview.

International Investing: Opportunity Overseas?

Some analysts believe foreign stocks may be poised for a comeback. Read about opportunities and risks involved with international stocks.

Don’t Let Debt Derail Your Retirement

This article looks at high debt levels among older Americans and why it’s important to analyze and address debt before retirement.

Company Stock and Your Retirement Strategy

This article addresses specific risks and tax implications when acquiring company stock inside or outside of a workplace retirement plan.

HOT TOPIC: Antitrust Crackdown Aims to Increase Competition

See how an executive order to curb excessive consolidation of industry might affect consumers, small businesses, investors, and the economy.

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