EmVision Capital Advisors
Presented by: Michael Embrescia Did you know Americans change jobs an average of 12 times in their lifetime? If you have changed jobs and left behind 401(k) accounts with prior employers, you know firsthand that managing retirement accounts spread among different custodians and financial services providers can be a big
Presented by: Johnathon Opet, CFP® You’ve put in the hard work of saving for college, and now it’s time to start using those 529 plan assets to help with a family member’s education-related costs. But before you begin withdrawing those funds, it’s important to understand the difference between qualified and
Presented by: James Artale If you’re eligible for a defined benefit pension, you may have several payment options from which to choose. Your pension plan will calculate a basic single-life annuity automatically, and, if you choose a different payment option, it will recalculate the amount of your benefit based on
Presented by: Michael Embrescia When it comes to estate planning, executing your will and other estate documents is only the first step. To help ensure that your estate plan stays in tune with your goals and needs, it’s important to review and update it on an ongoing basis. Working with
Presented by: Michael Embrescia On August 24, 2022, President Biden announced plans to offer student loan forgiveness to selected individuals. Below is a summary of the executive action that the Biden Administration plans to effectuate. It’s important to note that strong legal challenges to these provisions are likely because the
Presented by: Michael Embrescia Record high inflation and negative economic growth, as measured by US GDP growth, have fueled recession fears. The bond market is similarly flashing recessionary signals. Despite this, the S&P 500 through Friday, August 5, 2022, has rallied 13% higher than its June 16 bear market low,
In an effort to support local youth who have survived non-medical adversity, EmVision Capital Advisors has recently partnered with Believe In Dreams. This non-profit organization grants dreams to youth who have faced traumatic, non-medical events, giving them access to enriching opportunities, connection to their communities, and hope for their futures.Â
Presented by: James Artale If you’re changing jobs, you probably have a lot on your mind. As you wrap up work with your previous employer and prepare for your new role, it can be easy to let important benefits-related decisions fall by the wayside. If that happens, you could miss
Presented by: Johnathon Opet, CFP® If you are considering taking a loan from your retirement plan to bridge a financial gap, pause for a minute. This is a major decision that should not be made lightly, as there are consequences that could affect your ability to fund your future retirement.
Presented by Michael Embrescia Retirement planning is complicated. Many individuals put off saving, thinking that retirement is years away—until it isn’t. Then, in their 40s and 50s, they start to panic and wonder how they’ll catch up. One strategy, made possible beginning in 2010 by a provision to the Tax
Presented by: James Artale As we enter the second half of the year, the outlook might appear grim at first glance. Covid-19 continues to spread, both here and worldwide. Inflation remains close to 40-year highs, and the Federal Reserve (Fed) is tightening monetary policy to fight rising prices. The war
Presented by: Michael Embrescia To ensure that your wishes are carried out after your death, end-of-life planning is essential. But when it comes to organizing your personal and financial affairs, it can be difficult to know where to start. The following checklists are designed to guide you through the planning
Presented by Michael Embrescia As the weather warms up, many people are thinking about summer plans—and possibly dreaming of buying a vacation home. Although the idea of having a permanent “home away from home” may sound appealing, purchasing a vacation property isn’t something to be entered into lightly. If you’re
With a new partner and preparations for future acquisitions and partnerships, it’s clear that EmVision Capital Advisors’ growth strategy is distinctly different from other financial management firms. Instead of seeking new clients directly, EmVision is recruiting new and seasoned advisors and firms. The customer-centric, yet advisor-oriented team provides comprehensive support
Presented by: Johnathon Opet, CFP® There’s a lot to consider as you prepare for retirement, so it’s wise to begin planning well ahead of time. The checklists below are designed to help you stay on track for the retirement you envision. Five Years to Retirement • Set your target date.
Presented by Michael Embrescia Many people don’t understand the importance of establishing and maintaining an emergency fund until it’s too late. Are you financially prepared for a leaky roof? How about a broken-down car? If you lost your job, how long would you be able to support yourself and your
Used car salespeople – you want to trust the smile and the handshake, and the car looks great. But was it really owned by one careful spinster who only ever drove to church and the store, or has it been carefully patched up to hide the traces of the drag
SAVING for retirement – you know you have to do it but where do you start? Pile your spare cash under the mattress or forget about it in a savings account? Neither – the good news is the government want us to save for retirement so there is help available