Your Monthly CURator- Happy Valentine's Day! 💜 💚

Hello Marianna,

Happy Valentines Day! 💜

I thought I would start this month’s newsletter with a Fun Fact: Did you know that Alexander Graham Bell, the man who invented the telephone, applied for a patent on February 14, 1876? Who knew calling and texting would become the #1 way of sharing our thoughts and feelings on this Valentines Day?

Speaking about phones, I came across an article about the new safety feature included in the latest iPhone software update that I wanted to share with you. Please see below with step-by-step instructions on how to proactively plan in case your device gets stolen.

Tax Planning Note: We have received several calls over the last few weeks regarding the availability of 1099's and other tax documents. Every January, National Financial Services (NFS) begins preparing your tax documents. While you may have begun to receive e-notifications from Commonwealth Financial Network (CFN), please note that 1099's are generally not fully available until the end of February and beginning of March, at which time they will be mailed to you. However, if you'd like to get the status and access the electronic document(s), you can always do so via your Investor360 account (How-To Video Here).

Finally, this month I’ve gathered two articles to answer commonly asked questions about Why (or Why Not) to roll over your 401(k) when you change jobs and What is the difference between “after-tax” and “Roth” when it comes to your retirement plan contributions.

Hope you find this information helpful!

Until next time,

Marianna

We Want to Hear From YOU!

Our Purpose Is Simple:

To help you curate a wealthy life, and achieve the financial balance and independence for which you strive.

Keeping You and Your Information Safe

Storing your precious photos and valuable credit card information on your iPhone makes life more convenient. But if your phone gets stolen, all of that is immediately at risk. Read more about how to protect your information below.

How to Protect My iPhone

After Tax and Roth Contributions - What's the Difference?

Does your employer-sponsored plan have both pre-tax and Roth contribution options?

There is a common misconception that “After-Tax” and “Roth” mean the same thing when choosing your retirement plan contributions. Something you should know, they’re not the same thing. And choosing one over the other can lead to a sizable tax mistake.

Learn More Here

To Rollover, or Not to Rollover, That Is the Question:

Deciding to leave a job signals the beginning of many changes. One decision you’ll need to make is whether to leave your retirement account with your employer or roll it over to a new account—either a new 401(k) or an IRA.

Help Me Decide

Insights From Our CIO: Market Thoughts

February 2024

Brad McMillan, Commonwealth’s CIO, recaps January’s market and economic news. The U.S. stock market reported lower-single-digit gains, while international and emerging markets lagged behind. The economy performed well, as strong retail sales, a healthy jobs market, and consumer confidence drove the fourth-quarter growth. This result kept inflation steady, though Fed Chair Powell signaled no rate cuts at the next meeting. Given the disconnect between market expectations and the Fed, what will happen to rates in February? Follow Brad at blog.commonwealth.com/independent-market-observer.

Listen Here

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