About Richard Freeman

Richard Freeman is a Senior Director, Wealth Advisor at Round Table Wealth Management. Read Richard's Biography >

The Biden Agenda for Estate Plans More Costly for The Rich and Not-So-Rich

With Democrats in control of the Senate and House the likelihood of passing legislation in line with President-elect Biden’s agenda for estate plans has increased. While there are a number of proposed changes, there are two that are most significant. First, the amount of assets an individual can pass estate tax free to heirs may be substantially reduced. Second, capital gains taxes may be imposed on all estates with appreciated assets. This means that even individuals who are “not rich” will suffer some tax consequences at death.

By |2021-01-14T18:11:14+00:00January 14th, 2021|Blog|Comments Off on The Biden Agenda for Estate Plans More Costly for The Rich and Not-So-Rich

Diminished Financial Security in a Coronavirus World: Insurance is One Way to Restore that Security

The Coronavirus pandemic has impaired the personal and business balance sheets of many clients and caused them to rethink their plans for the future. Uncertainty and a diminished sense of financial security have crept into plans [...]

By |2020-07-22T13:01:03+00:00July 22nd, 2020|Blog|Comments Off on Diminished Financial Security in a Coronavirus World: Insurance is One Way to Restore that Security

The SECURE Act: What You Need to Know

On December 19th, the SECURE Act (Setting Every Community Up for Retirement Enhancement Act of 2019) was passed as part of a year-end spending bill. This recently passed legislation will impact how retirement plans work for many individuals and [...]

By |2020-01-03T15:49:06+00:00January 3rd, 2020|Blog|Comments Off on The SECURE Act: What You Need to Know

Planning for Retirement—Preparing Your Portfolio

If you are like most people you think about retirement. The closer that day comes the more you may focus on a target date. The determination of that date typically involves both your age and the size of your [...]

By |2022-01-05T18:42:38+00:00December 19th, 2019|Blog|Comments Off on Planning for Retirement—Preparing Your Portfolio

Reviewing your Permanent Life Insurance Policy: Don’t Neglect this Asset on your Balance Sheet

Why Is an Insurance Review Needed? Permanent (cash value) life insurance can be a significant asset on a personal balance sheet—yet it is often the most neglected asset for two reasons. First, it is commonly misunderstood [...]

By |2019-10-24T17:05:10+00:00October 24th, 2019|Blog|Comments Off on Reviewing your Permanent Life Insurance Policy: Don’t Neglect this Asset on your Balance Sheet

New York Passes Best Interest Regs for Life Insurance

The financial services industry is attempting to move away from harmful sales practices toward more customer-friendly standards. Much has been written about the Securities and Exchange Commission's Regulation Best Interest adopted in June 2019 that governs the sale of investments. [...]

By |2019-09-18T21:38:21+00:00September 18th, 2019|In the News|Comments Off on New York Passes Best Interest Regs for Life Insurance
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