Recent Commentary

TheLiveBigWay® Digest – Earth Day Edition

TheLiveBigWay® Digeston April 21st, 2016No Comments
Reverse Mortgage Mini-Series: Part II

Real Estate ConceptStaying true to Yeske Buie’s Learn Big worldview, we are committed to learning more about reverse mortgages and how they may be used as strategic planning tools for our Clients. In the first article of this mini-series, we provided a basic overview of Home Equity Conversion Mortgages (HECM), which are federally-insured reverse mortgages offered and regulated by the U.S. Department of Housing and Urban Development (HUD). In Part II of the mini-series, we will cover additional details on HECMs including what factors affect the calculation of the loan value, additional costs to consider, how the payments work and how the loan is repaid. We will also include a brief overview of using HECMs to purchase new homes.

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Patient Planning

Surgical Nurse Writing On Patient ChartNo matter what stage of life you find yourself, we feel that it is important to have a plan in place to cover all aspects of your life and is congruent with your Live Big® goals. Some of your planning needs may be obvious, but there may be some needs that simply aren’t as clear. With this in mind, we share an article by Julie Kaplan, PharmD, senior medical writer at RX411.com, that discusses the importance of planning for unexpected medical situations. The article explains that unless you have an intentional conversation, your default caregiver (most likely a spouse or close relative) may not know enough about your medical routines and conditions to help in an emergency situation. Read on to learn about designating a patient advocate to ensure you have a plan in place should you experience a medical emergency.

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Sabina Has Passed the CFP® Exam

Smailhodzic_5754Yeske Buie is pleased to share that Sabina Smailhodzic has passed the CFP® Exam. After passing the exam, Sabina said, “I plan on celebrating by packing up my study materials! I am happy I passed and am one step closer to being a CFP® Professional.” In addition to passing the exam, each CFP® Candidate is required to meet an education requirement and an experience requirement. As a Financial Planning Resident, Sabina will have the experience necessary to qualify to be a CFP® Licensee upon her “graduation” from the program. Sabina will meet all three CFP® Board requirements at the end of the Spring and will then be able to apply for the certification. Congratulations, Sabina!

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Celebrate Earth Day at a National Park

JH in Texas - Big Bend National Park 3Last Friday, President Obama proclaimed the week of April 16th through April 24th as National Park Week. Additionally, the White House announced further support of the President’s Every Kid in a Park initiative which is committed to providing free National Park access to fourth grade students and their families. In our most recent edition of The Live Big Chronicles, we suggested taking advantage of National Park Week. So in honor of this 46th celebration of Earth Day, consider heading out to one of the National Parks this weekend! And if you find yourself enjoying one of the parks, take your Live Big glass with you and we’ll add it to our Where in the World is the Live Big Glass? gallery – you’ll find the glass has already traveled to three of our National Parks.

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Tax Return Request

American Flag at U.S. CapitolNow that tax day has come and gone (unless you are on extension), we will be requesting a copy of your 2015 Federal and State returns to help us better serve our Clients throughout the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with your most current tax return. Lauren Vitt will be sending email requests beginning Monday. It is our preference to receive the entire document but we understand that many returns are quite lengthy. If you are unable to send the entire document, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest – A Practical Approach

TheLiveBigWay® Digeston April 7th, 2016No Comments
A Practical Approach to Cash Flow Complexities

Cash Flow BucketsWhen life happens, the financial aspects of figuring out what to do next can make taking that next step an overwhelming task. Using policies to manage cash flow on an ongoing basis removes the budgetary uncertainties and clarifies the financial ripple effects of a given alternative, helping our Clients make decisions using the constraint that matters most: their values. Read on to learn how Yeske Buie uses grounded policies when creating financial plans for our Clients.

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The 411 on 2FA

2FAVisualize your typical morning routine. It’s likely that before 10:00am, you’ve logged into at least a dozen different online accounts including social media accounts, online bank accounts, retail sites and more. With the growing number of websites with whom we share our personal information, it is vital to take extra caution in keeping your personal information safe. Two factor authentication – commonly referred to as 2FA – can drastically reduce the risk of online identity theft by requiring two means of identification to access an online account. Learn more about the benefits of 2FA and how you can set-up two factor authentication on your personal accounts.

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Dimensional Stories: Our Interests Are Aligned

CongruenceThe financial world is currently abuzz over the Department of Labor’s new ruling to broaden the definition of fiduciary investment advice. Around this time last year, we shared how and why Elissa and Dave have been promoting the fiduciary standard as this issue has been near and dear to Yeske Buie for many years. It is important to us that our philosophy regarding investments and Client service is congruent to that of our strategic partners including Dimensional Fund Advisors. In this two minute video, we find particular congruence in the approach of the two firms as Nobel Laureate Robert Merton describes the fundamental importance of having aligned incentives.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDOur most recent additions to the Live Big glass gallery channel three of the classical elements – Earth, Wind, and Water – and add new states and countries to our maps. While each of the new pictures are quite different, they all highlight activities that the individuals feel help them Live Big. If you have a picture you’d like to share with us, please feel free to email Lauren@YeBu.com and we will be happy to add your photo to the gallery.

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Tax Day Reminder

American Flag at U.S. CapitolThis year, you have a few extra days to file your 2015 Federal and State tax returns as Tax Day 2016 falls on April 18th. Why the delayed date, you may ask? You can thank Washington, D.C. for the extra three days. Washington, D.C. recognizes Emancipation Day as a government holiday which is typically observed on April 16th. This year, however, April 16th falls on a Saturday, so the holiday will be observed  on Friday, April 15th. Because government offices will be closed April 15th, Tax Day is moved to Monday, April 18th.

As we do every year, we will be sending emails to request 2015 Federal and State tax returns from Clients shortly after April 18th to help us better serve our Clients throughout the year. If you already have  a copy of your tax return, you may send the document to us using any of the methods described here.

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TheLiveBigWay® Digest – The Financial Four

TheLiveBigWay® Digeston March 24th, 2016No Comments
Charitable Giving Strategies

CharityCharitable giving is a highly personal decision and people have a variety of reasons for why or how they choose to give. Some choose to support personal values or beliefs, while others may give for the purposes of tax and estate planning opportunities. There are a variety of factors to consider when making a charitable gift, including the method of giving, tax strategies, and more. Today, we offer a brief summary of six different strategies you may consider and we encourage you to discuss with us how we can incorporate your charitable giving desires into your financial plan.

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Elissa Buie Named Top Wealth Advisor by Washingtonian Magazine

Elissa Standing ShotYeske Buie is pleased to share that Elissa Buie has been awarded the title of Top Wealth Advisor by Washingtonian Magazine as part of the magazine’s Top Wealth Advisors listing for 2016. Washingtonian Magazine awards the honor of Top Wealth Advisor to the individual with the most peer-nominations for this already-prestigious recognition. Elissa has appeared on all five of Washingtonian’s previous lists of top financial planners. Read on for Elissa’s thoughts on the recognition and to learn more about the listing.

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Women to Watch: Elissa Buie

EB W2W 2This past week, Dave and Elissa attended InvestmentNews’ inaugural Women to Watch Awards Luncheon in New York as InvestmentNews honored Elissa and 20 additional outstanding female professionals in the financial advisory industry. As Elissa accepted her award, she was asked to share any secrets to her success. Elissa said she is “blessed by her opportunities to be mentored and to be a mentor to other women”. Read on for more about Elissa’s Women to Watch recognition and for a short video featuring Elissa.

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The Financial Four

Basketball and MoneyAmericans fill out more than 70 million brackets for the NCAA March Madness tournament. Despite the strategy you use to prioritize your bracket, chances are it has at least a few flaws. But what if you could fill out a bracket where you couldn’t lose? The National Endowment for Financial Education and the Financial Planning Association® have partnered for the fifth time to share an interactive ‘Financial Four’ bracket to help you prioritize the financial areas of your life that are most important to you. Explore the 32 financial concepts and prioritize your financial four; no matter what you choose, you’ll end up a winner with an idea of your financial goals!

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Update on 1099s and Tax Day Reminder

As an update from our previous communication regarding Corrected 1099s for some Clients, the delayed information from the mutual funds in Yeske Buie portfolios did not, in the end, necessitate any changes in the 1099s. The original 1099 that was prepared contains the most current information and should be used in the preparation of your taxes. If you have any questions, please do not hesitate to contact us.

American Flag at U.S. CapitolThis year, you have a few extra days to file your 2015 Federal and State tax returns as Tax Day 2016 falls on April 18th. Why the delayed date, you may ask? You can thank Washington, D.C. for the extra three days. Washington, D.C. recognizes Emancipation Day as a government holiday which is typically observed on April 16th. This year, however, April 16th falls on a Saturday, so the holiday will be observed  on Friday, April 15th. Because government offices will be closed April 15th, Tax Day is moved to Monday, April 18th.

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TheLiveBigWay® Digest – The (FS)A-List

TheLiveBigWay® Digeston March 11th, 2016No Comments
Is a Healthcare Flexible Spending Arrangement (FSA) a Good Idea?

Pulse measurement of EconomyA Healthcare Flexible Spending Arrangement (FSA) is an employer-provided benefit that allows you to contribute pre-tax dollars to pay for eligible medical, dental, and vision care expenses that your insurance plan may not cover. As with any financial decision, it is important to know the facts about Healthcare FSAs to help you determine if you should take advantage of this type of arrangement. Today, we share basic information regarding these arrangements including enrollment considerations and avoidable provisions to assist you in making a well-informed decision.

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The Live Big® Chronicles

YeskeBuieHolidayCard 11-18-15_Page_1With the help of our Clients, friends, and family, we have compiled creative and dynamic lists of ways individuals can have rich, Live Big® experiences without spending a lot of money. We have shared these lists on several occasions and welcome additions from anyone who would like to participate; we call these the Live Big List and the Live Big Chronicles. Inspired by the upcoming Spring season, today we share additional ideas for you to Live Big in the Washington DC area, San Francisco Bay area, and a few cities in between while spending little to no money at all. Of course, this list only scratches the surface of all the outings you may consider exploring as you Live Big this Spring. Please feel free to share your ideas with us and we will be happy to add them to our lists.

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Yusuf Abugideiri Named as One of Ten Top CFP® Holders Under 36

Abugideiri_5999Yeske Buie is pleased to announce that Yusuf Abugideiri, CFP® has been named to WealthManagement Magazine’s listing of Top CFP® Holders Under 36 featured in the March edition of the magazine. The listing highlights ten financial advisors from all over the country who carry the CFP® designation and are member of the Financial Planning Association. Each individual is recognized as an up-and-coming advisor who continues to grow by catering to the next generation of Clients. Read on for the full listing and to read how Yusuf feels about being named to the list and the responsibility all of the named individuals have as leaders of the next generation of financial planners.

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Important Information About Your 1099

1099 Tax FormWhile Yeske Buie posts quarterly tax reports to your Client Private Page for taxable accounts, these reports are for planning purposes only. To complete your 2015 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s). In February, Schwab sent 1099 forms in the mail and posted them to your online Schwab Alliance account. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. In addition to this round of forms, Schwab will release Corrected 1099 forms next Monday, March 14th. Please refer to this corrected form to complete your 2015 tax return. If you have any questions regarding the 1099 forms, please do not hesitate to contact us.

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TheLiveBigWay® Digest – Timely Tips

TheLiveBigWay® Digeston February 26th, 2016No Comments
Tips to Thwart Tax Thieves

Tax ReturnProtecting your identity and your taxes can feel like an uphill battle. As we shared last year, tax season brings about a surge of attempts for scammers and identity thieves to phish for your personal information. In 2015, Americans saw a significant spike in the number of occurrences where taxes were fraudulently filed on both a federal and state level. While it’s unfortunate that identity theft is becoming common, the increase in theft also means that more companies have processes in place to handle fraudulent situations as quickly as possible. Today we offer tips and resources to help you protect yourself from potential theft.

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Yeske Buie Treated Fellow Financial Planners to Be Our Guest

BOGThis week, the Yeske Buie team treated fellow financial planners to two “Be Our Guest” presentations, sponsored by the Foundation for Financial Planning. The Foundation’s Be Our Guest program provides an opportunity for financial planning professionals to spend time with and learn directly from the profession’s leaders in exchange for a charitable contribution to the Foundation. Yeske Buie delivered two presentations – one on our Financial Planning Resident and Internship program and one on our Client Experience program, both of which have a distinguished reputation across the profession. Yeske Buie is pleased to have been one of the largest Be Our Guest programs in recent years, raising over $12,000 for the Foundation!

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Time Saving Ideas to Live Big in 2016

Saving the TimeAt Yeske Buie, our team and our Clients realize that while money matters, it is what you choose to do with it that matters most. Money, however hard earned, is a renewable resource. On the other hand, it is often said that time is our most finite resource. Accordingly, we center our work on a singular priority: helping Clients make the most of their most valuable resource – LIFE. With all this in mind, we offer a list of time saving ideas in hope that one of these small changes will open a window of time in your day that you didn’t have before. And we hope that you will make the most of these extra minutes and do things that give you joy or renew you. Perhaps something from our Live Big® list?

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Important Information About Your 1099

1099 Tax FormEarlier this week, Schwab released the first round of 1099 forms required to complete your 2015 tax return. Schwab will send the forms in the mail as well as post them to your online Schwab Alliance account. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. In addition to this round of forms, Schwab will release Corrected 1099 forms early next month. We sent an email last week to those who we expect to receive Corrected 1099s suggesting that you wait until mid-March to file your return to avoid having to file an amended return. If you have any questions regarding the 1099 forms, please do not hesitate to contact us.

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TheLiveBigWay® Digest – Simple Rules

TheLiveBigWay® Digeston February 12th, 2016No Comments
Simple Rules

Bull and Bear Market SimpleStock markets around the world continue to be roiled by investor anxiety over the state of the U.S. and world economy, corporate earnings, the price of oil, and the intentions of the Federal Reserve and other central banks. This is not new stuff, of course, investors are always looking for something to worry about and they can usually find it. So how do we navigate this inevitable reality? We believe it requires us to embrace four fundamental truths and three simple rules.

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File On!

College MoneyIt’s officially Filing Season. For many it doesn’t end with the Federal and State Tax Returns. It ends with the Free Application for Federal Student Aid, often simply referred to as the FAFSA. All parents with dependents enrolled in higher education institutions should file a FAFSA each year. Yes, that includes those who think they will not qualify for aid. We invite you to revisit our Expert Spotlight featuring Tony Sutphin for more details on why all parents should file. We also encourage you to read on to learn more about application deadlines, how to prepare to ensure the application process goes smoothly, and a brief video on how to fill out the FAFSA form.

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Required Minimum Distributions

Retirement PlanningFebruary marks the beginning of our annual process of distributing our Clients’ Required Minimum Distributions (RMDs) from their IRAs. Now that Schwab has released their annual RMD report, the Financial Planning Team is reviewing each IRA from which an RMD is required to ensure enough cash is available for the distribution. In most cases, RMDs will be distributed by the end of the month (some Clients have already received theirs); for our Clients who use their RMD amount as their annual spending target, we’ll track the distributions throughout the year to ensure the required amount is satisfied. Learn more about RMDs and Yeske Buie’s process for managing the distributions.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDToday we share four new photos of individuals enjoying their Live Big glass from all over the country. Furthermore, these four photos highlight how living big is not about “spending big” or “living large”, but rather about finding joy in ordinary places of your everyday life. Whether you enjoy Skype calls with family and friends, watching the sunset, or learning a new dance, if it brings you joy then it helps you Live Big. After all, it’s about the size of your life, not the size of your wallet®. We hope you enjoy the four additions to our gallery and we hope you will send us pictures with your glass as you Live Big.

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How You Will Receive Your 1099

1099 Tax FormWhile Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2015 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s). Schwab will send 1099s in the mail and post them to your Schwab account in mid to late-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

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TheLiveBigWay® Digest – Unwavering Worldviews

TheLiveBigWay® Digeston January 28th, 2016No Comments
Reverse Mortgage Mini-Series: Part I

Real Estate ConceptAt Yeske Buie, we are constantly pushing ourselves to Learn Big, one of our six established worldviews, as we believe our learning in service of our Clients never ends. Furthermore, we strive not only to Learn Big but also to Think Big by applying the best available practices and research to the day-to-day servicing of our Clients. Staying true to these worldviews, Yeske Buie has committed to learning more about reverse mortgages and how they may be used as strategic planning tools for our Clients. In the first article of our reverse mortgage mini-series, we aim to give you a basic overview of Home Equity Conversion Mortgages (HECM) and as we build on this series, we will discuss specific numbers, details and calculations and example scenarios in which a HECM could be a valuable planning tool.

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In Case You Missed It: Worldview

News Article iPadLast week, not quite three weeks into the new year, it started to feel to many people like the world was coming to an end. In short: It Isn’t. Amidst the panic that seemed to have seized the stock markets, newspapers, and cable television shows the past few weeks, we shared our thoughts and worldview to explain why we believe the world will find its way to a new equilibrium.

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Shine it Forward

donation-certificate-ba0d9076-c43b-495c-9fc9-e3d3f07694e9This Saturday, San Francisco Bay’s night sky will light up with a new, permanent display of 25,000 lights as the city re-lights the San Francisco Bay Bridge. The iconic light sculpture, designed by world-renowned artist Leo Villareal, is controlled by complex algorithms and patterns, which dynamically recombine and transform the bridge into a living work of art. Inspired by the transformational public art, Yeske Buie has made a donation to Bay Lights in honor of our Clients and Friends who know how to Live Big. With the donation, Bay Lights has dedicated a light on cable #270, level #67 to those who Live Big. See exactly where Yeske Buie’s guiding light shines on the bridge with this interactive site.

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Yeske Buie in the Media:

Advisory HQ Top 11 Financial Advisors in San Francisco

AdvisoryHQAdvisoryHQ has ranked Yeske Buie as one of the Top 11 Financial Advisors in San Francisco. The financial review and media company compiled the listing based on their 4-step objective methodology which focuses on ranking firms with the everyday Client in mind and looks beyond analyzing a firm’s assets under management, revenue, and size. Instead, they consider a firm’s fiduciary duty, independence, level of customized service, history of innovation, team excellence, quality of service and more. Read on to see what AdvisoryHQ noted about Yeske Buie that contributed to our appearance on this ranking.

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How You Will Receive Your 1099

1099 Tax FormWhile Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2015 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s). As required by the IRS, Schwab will send 1099s in the mail and post them to your Schwab account in mid to late-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

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TheLiveBigWay® Digest – January Fever

TheLiveBigWay® Digeston January 14th, 2016No Comments
A Dose of Financial Planning to Treat Your Powerball Fever

Lotto TicketAs you’ve inevitably heard, the Powerball Jackpot soared beyond record levels this week, maxing out every sign in America with a balance of $1.5 Billion dollars, and after Wednesday’s drawing, three people will split the prize. The hype around the 2016 Powerball grew with every round there wasn’t a winner, even though your chances at winning weren’t improving with each round. Whether or not you choose to play the Powerball or any lottery drawing, there are a few relevant financial concepts to contemplate in light of the chaos. Indulge with us as we chronicle the roller coaster ride of financial decisions you must make when you decide to purchase a lotto ticket.

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In Case You Missed It: The China Syndrome

3D Market Going UpAs we entered the fourth trading day of 2016, world stock markets seemed to have a bad case of nerves with much of the turmoil resulting from news about the Chinese economy. As you know, we don’t believe that what happens in the markets on a day-to-day or month-to-month basis carries any real information, dominated as it is by the “noise” of the daily news cycle. Nonetheless, the predictably dramatic headlines prompted us to share a few thoughts and observations regarding the issue from our perspective. And if you’d prefer some lighter reading to take your mind off of the headlines, see our Weekend Chart Challenge for a graphical pop quiz or Facetious Financial News for a satirical video, both of which we feel epitomize the effects of financial “noise”.

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Emulating Janus’ Essence

At the beginning of a new year, it is not uncommon for companies to participate in visioning exercises to set goals to tackle the year ahead. In fact, this practice corresponds well with the month of January which is named after the ancient Roman god Janus, a dual-faced god symbolizing beginnings and transitions. At Yeske Buie, our number one focus is always on our work with and for our Clients. In 2015, we had many recognitions and accomplishments that we think reflect well on our ongoing pursuit of excellence. Emulating Janus’ essence, we share a timeline of Yeske Buie’s 2015 Celebrations as an appreciation of 2015 and as an inspiration for 2016 and beyond.

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Yeske Buie’s Interactive User’s Manual

Yeske Buie User's ManualYeske Buie’s User’s Manual is an interactive guide to all things Yeske Buie that offers practical information ranging from how we serve our Clients to how you can get help with any issue. As you explore the Manual, you’ll find a history of our firm’s evolution, in-depth discussions of our investment and financial planning philosophy, a chance to meet the Yeske Buie team, and a guide to “Why Yeske Buie Clients are Elite”. The Manual is a dynamic guide that is updated regularly so even if you’ve reviewed the Manual in the past, we encourage you to jump right in and explore the wealth of useful and, we hope, interesting information.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDWe continue to receive photos from our Clients, friends, and family enjoying their Live Big glass with loved ones. Today, we share four new pictures featuring Elissa, Dave and other members of the Yeske Buie team with their glasses. If you have a picture you’d like to share with us, please feel free to email Lauren@YeBu.com to be added to our full gallery.

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TheLiveBigWay® Digest – Best of 2015

TheLiveBigWay® Digeston December 31st, 2015No Comments
2015In this edition of the Digest, we were intrigued by what Digest posts resonated with people the most and decided to share with you the top posts from 2015 in each category. We also share a more extensive list highlighting the top five posts in each category as The Best of 2015.

Happy New Year!
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Top Economy and Investing Post: Weekend Chart Challenge

Graph OneAs stock markets around the world ebb and flow, some begin asking what’s up and what’s next. The answer, as always, is that we don’t know what’s next in the short run, but we do have a high degree of confidence where we’re heading in the long run. So, in the spirit of that wonderful French saying plus ça change, plus c’est la même chose, we offer up a visual pop quiz to see if you can recognize the Dow’s first eight months in each of the past six years.

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Top Financial Planning Post: The Yeske Buie Playbook

Game Day PlanJust as two professional sports teams come armed to each game with a playbook that blends hours of research with the ingenuity of the league’s top strategists, Yeske Buie has its own financial planning playbook, designated to tilt the odds in our Clients’ favor. We’d like to take this opportunity to share the key elements of Yeske Buie’s Creative Strategies and Grounded Wisdom® playbook.

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Top Millennial Post: Healthy Technology Habits

As identity theft becomes a growing issue, you may be asking yourself: What can I do to guard against identity theft? What is Yeske Buie doing to guard my information against identity theft? With this in mind, we offer several healthy technology habits that we follow at Yeske Buie as well as those you can practice yourself to help keep your identity safe.

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Top Firm News and Events Post:Yeske Buie Wins 2015 Trailblazer Award

Yeske Buie Formal GroupYeske Buie was selected as the 2015 winner of the prestigious Schwab IMPACT Trailblazer AwardTM which honors a firm for its dedication to helping the industry as a whole reach new heights through focused initiatives and the passionate commitment to service excellence. We share a video highlighting our team as well as more information about the initiatives that distinguish us as Trailblazers.

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Top Fun Stuff Post: Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDBeginning this summer, Yeske Buie initiated a campaign to highlight our Live Big glass in the United States and around the world. We are so pleased to have received pictures from our Clients, family, and friends living big in fourteen states and eight different countries! We share a gallery of photos of individuals enjoying a drink from their Live Big glass and hope you will share your pictures with us as you ring in the New Year.

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TheLiveBigWay® Digest – The Season of Giving

TheLiveBigWay® Digeston December 17th, 2015No Comments
The Transfer of Trillions: Why Intergenerational Wealth Planning Matters

Grandmother and grandaughter holding a plant togetherAn estimated $41 trillion is in the process of being passed from older to younger generations in the United States. No matter which side of the exchange applies to you, planning for this transfer will help make certain that the exchange is successful and engaging a financial planner can help ensure the plan is reflective of the values of both the benefactor and the beneficiary. See how Yeske Buie starts this conversation with Clients and the powerful visual we create to clearly illustrate the transfer of one’s assets.

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Social Security Law Changes Trigger a Comprehensive Review

stock chartThe Bipartisan Budget Act of 2015 that was signed into law on November 2, 2015 made some significant adjustments to the future of Social Security claiming strategies. In general, benefits were not changed. But some beneficial claiming strategies have been eliminated, effective April 30, 2016. We are in the process of completing a comprehensive review of all Clients who may be affected by the recent changes. The following action steps will be applied on an individual basis:

  • For some, you or your spouse may be required to take action prior to April 30, 2016. This is only potentially applicable if at least one spouse is Full Retirement Age (66 for most people) and one spouse is 62 or older. If this applies to you, we will contact you with the recommended action well in advance of this deadline.
  • For others, your optimal claiming strategy may have changed as a result of the new law but will not require action prior to the April 30, 2016 deadline. If this is the case, we will revisit your Social Security Benefits Analysis and review it with you at our next update meeting.
  • If you do not hear from us, know that we reviewed your benefits analysis and have determined that no changes need to be made at this time. In addition, if you and/or your spouse are currently receiving benefits, there is no action to be taken.

As always, please feel free to contact us if you have any questions.

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Investment Advisor: How Doing Good Can Help You Do Better

GiveAt Yeske Buie, we believe that sharing unconditionally is the path to abundance and we are committed to sharing our time, our intellect, and our resources. So, when Olivia Mellan and Sherry Christie of Investment Advisor Magazine reached out to Yeske Buie for our thoughts on year-round philanthropy, we were more than happy to share why and how we Give Big. In the article featured in the December 2015 issue of Investment Advisor, contributions from Elissa Buie and Cristin Etheredge were included to support, “How Doing Good Can Help You Do Better”. Today, we share a passage from the article where Elissa and Cristin highlight a few ways that Yeske Buie embodies the phrase Give Big.

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Yeske Buie Holiday Hours
Happy Holidays

With the end of the year nearing, we wanted to inform you of Yeske Buie’s upcoming holiday hours. The Yeske Buie offices will be physically closed next week from Monday, December 21st through Friday, December 25th. The entire team will be available remotely throughout the week if you need anything and will respond to your messages as soon as possible.

WWLBG - COMPRESSEDAlso, as the Yeske Buie team will be spending the holidays with friends and family around the country, we look forward to sharing photos with our Live Big glasses in a future edition of the Digest. And whether you plan to stay home or travel afar, we hope that you will use your Live Big glasses with family and friends and share your photos with us. Happy Holidays!

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‘Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31In what seems like the blink of an eye, the holidays are upon us and ’tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday. But with admiration for their talent, Yeske Buie has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please email Lauren@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you.

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“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson