Money In Motion

Welcome to the Capstone Blog “Money in Motion.” Here, our team selects and writes articles intended to help our clients and their employees make better financial decisions. The information shared here is intended to supplement your investing and overall financial knowledge. As always, if you have complex questions or issues, it is wise to contact a financial advisor for specific advice. We hope you enjoy this monthly content.

May 9, 2022

Optimistic Sign in a Fear-filled Market?

“Be fearful when others are greedy and greedy when others are fearful,” according to legendary investor Warren Buffett. It’s a great quote but complex advice to follow, especially in 2022 when stock prices are down double-digits. It seems like company after company is telling shareholders it will be a challenging year.But has fearful sentiment reached an extreme? According to an…

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April 25, 2022

Choices for Your 401(k) at a Former Employer

One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals have four choices with the 401(k) account they accrued at a previous employer.2 Choice 1: Leave It with Your Previous Employer You may choose to do nothing and leave…

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March 25, 2022

2022 Tax Brackets

Every year, the IRS evaluates and typically adjusts certain tax provisions to account for inflation. Below is the IRS’s latest adjustments for the 2022 tax year – including tax brackets and standard deductions. This material is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax, legal, and accounting professionals before…

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February 25, 2022

How Women Can Prepare For Retirement

When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today’s average 65-year-old woman will live to age 86½. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1 Are you prepared for…

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January 25, 2022

Should You Borrow From Your 401k?

The average household with revolving credit card debt had a balance of $6,006 in 2021. For the average household carrying credit card debt in 2021, this equated to an annual interest of $1,029. With the average credit card annual percentage rate sitting at 20.48%, it represents an expensive way to fund spending.1,2 Which leads many individuals to ask, “Does it…

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December 22, 2021

Stop Wasting Money

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Distinctio facilis ea beatae velit qui, temporibus molestias optio vitae libero iure! Lorem ipsum dolor sit amet, consectetur adipisicing elit. Distinctio facilis Benjamin Franklin once said, “a penny saved is a penny earned.” One way to find the money to meet your spending or saving needs is to examine your current spending…

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November 18, 2021

The Five Basics of Financial Literacy

Credit and debt Understanding the ways credit and debt work for and against you are some of the first steps toward understanding personal finance. While it’s not useful to be scared of credit and debt and avoid it entirely, there are some things to look out for. Debt Debt is like any tool: when used correctly, it can be quite…

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October 15, 2021

What is a Roth 401(k)?

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Distinctio facilis ea beatae velit qui, temporibus While many people are familiar with the benefits of traditional 401(k) plans, others are not as acquainted with Roth 401(k)s. Since January 1, 2006, employers have been allowed to offer workers access to Roth 401(k) plans. And some have introduced offerings as part of their…

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September 25, 2021

Helpful Retirement Strategies for Women

Preparing for retirement can look a little different for women than it does for men. Although stereotypes are changing, women are still more likely to serve as caretakers than men are, meaning they may accumulate less income and benefits due to their time absent from the workforce. Research shows that 31% of women are currently or have been caregivers during…

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