Gary S. Williams

Dec 5, 2013

Gary S. Williams: 8 areas to look at for year-end planning

With the end of the year approaching, it’s a wonderful time to begin organizing your finances for the new year. We’ve put together a list of important financial planning topics that warrant consideration.

Apr 21, 2013

Gary S. Williams: Understanding how correlation works

Investors hear a lot about the benefits of asset allocation, that is, spreading your assets among different types of investments to help reduce risk. But less discussed is an equally important measurement: correlation, which is a way to measure how closely related two types of investments are. In theory, you could be invested in multiple securities of differing types and classes, but if they are a[...]

Jan 27, 2013

Gary S. Williams: Managing inherited assets takes diligence

Your options in managing assets that you inherit from a loved one's qualified retirement plan may depend on the type of plan in question — for example, 401(k)/403(b) plan or IRA — and your relationship to the deceased.

Nov 4, 2012

Gary S. Williams: Estate plan ensures wishes are carried out

You work hard all your life to make ends meet, and if possible, set aside money for people you care about. Developing an estate plan can help ensure that your wishes are carried out after you're gone.

Oct 21, 2012

Gary S. Williams: Consider implications of working at home

If you're considering running your business out of your home, there are a number of considerations you'll want to take into account.

Sep 16, 2012

Gary S. Williams: Options for saving for your child’s education

A college education is one of the best investments you can make for your child’s future. But the high cost of college may alarm you — especially if you’ve waited too long to begin saving. For example, a Coverdell Education Savings Account (formerly referred to as the Education IRA), with its annual contribution limit of […]

Sep 5, 2012

Gary S. Williams: Long-term, short-term disability insurance a good idea

Disability insurance addresses lost wages that stem from an inability to work. Long-term care insurance, in contrast, addresses expenses associated with medical care provided to you in your home, a nursing home, a rehabilitation center or an assisted living facility.

Aug 26, 2012

Gary S. Williams: More investors are turning to alternatives

Recent studies indicate that investors are turning increasingly to commodities, hedge funds, private equity and other alternative investments to bolster returns and diversify their holdings.

Jul 15, 2012

Gary S. Williams: Pay attention to IRS rules on inheritances

If you recently inherited retirement assets from a deceased loved one, it is important to pay attention to IRS rules that govern this type of bequest. Your options in managing this money typically depend on your relationship to the deceased and the type of retirement account (401(k) or 403(b) plan, IRA or annuity that you […]

Jul 1, 2012

Gary S. Williams: Protecting your financial future in divorce

Divorce can be a complicated and challenging process in which details are easily overlooked. It is important to know the laws that shape divorce proceedings and to understand the impact they have on your assets. -Dividing the assets: Typically, everything you and your spouse acquired from the day you were married is subject to division. […]

May 30, 2012

Gary S. Williams: Formal business plan key for future growth

Whether you’re an entrepreneur who dreams of starting a business or an experienced owner in search of future growth, creating a formal business plan is likely to be a cornerstone of the process. There are three reasons why a business plan is an indispensable part of a new-business proposition: -Researching and drafting the plan forces […]

May 13, 2012

Gary S. Williams: In planning a trust, put your trust in trustees

By its very nature, a trust must work best just when its creator cannot act. Your trust may be carefully designed to address all the concerns you can identify. But no matter how well you and your financial and legal advisors have analyzed potential contingencies, the best-laid plans could be derailed by unforeseen circumstances. And […]

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