New tax law brings big changes to 529 plans
Updated: 2017-12-22 by Kathryn Flynn

Just in time for the holidays, President Trump kept his promise to the American people by signing the Republican tax reform bill. The Tax Cuts and Jobs Act brings major changes to corporate and personal tax rates and deductions. The plan also includes a smaller provision that will expand the benefits of 529 savings plans:

Allowing 529 plans to be used for K-12 education expenses

29 plans are tax-advantaged investment accounts originally designed to help families...

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4 Must-Know Rules for Inherited Roth IRAs
Dec 4, 2017 / By Denise Appleby, APA, CISP, CRC, CRPS, CRSP

Careful planning and execution can allow a Roth IRA beneficiary to benefit from tax-deferred growth for as long as allowed under the tax code. How long this can be is primarily determined by “beneficiary status”—and in some cases, whether there are multiple primary beneficiaries.

Earnings accrue in a Roth IRA on a tax-deferred basis, and beneficiaries who inherit Roth IRAs continue benefiting from this tax-deferred treatment—so long as...

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Advisors, Investors, and Gamma:
4 Ways to Quantify Your Value
Nov 2, 2017 / By Debra Taylor, CPA/PFS, Esq.

Two studies, one from Morningstar and another from Vanguard, help advisors show clients—in cold, hard percentage points—how much their expertise and guidance is actually boosting investment returns.

In our current fee-sensitive environment, advisors are forced to communicate (and defend) their value on a daily basis. Yet it is often difficult to quantify our value in general terms, particularly as it applies to a broad swath of clients...

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M. Brown & Associates in the News:

Planning, Problem Solving, Partnerships
At M. Brown & Associates, we simplify the complexities of your financial life.
By leveraging our team’s diverse and objective perspective, investors gain a unique advantage in securing their financial future... read entire article

M. Brown Completes Image Update with New Signage

Ribbon Cutting Ceremony M Brown & Associates and the Chamber of Commerce in Plainfield

Gail Buckner, national financial planning spokesperson at Franklin Templeton Investments
She has answers to client's questions and case studies to review and help deepen your Social Security knowledge.
CLICK HERE to view the video.

Savvy Social Security Planning Seminar
Give yourself an edge in planning for your retirement by
understanding how to maximize your Social Security benefits.
CLICK HERE to view our informational video.

USA Today
December 9, 2013
“The Small business health care tax credit will increase in the upcoming tax year, but some business owners say it is difficult to claim."
CLICK HERE to download PDF

Washington Examiner
November 27th, 2013
"Survey Finds Doctors Rebelling Against Obamacare, Famous Hospitals Declining to Join"
Click Here to read the article.

Naperville Magazine
The annual Benefit Dinner and Auctions for Families Helping Familiies featured food, fun, and friends. Money raised benefits FHF’s programs to help homeless families in DuPage County.

Click here to see Naperville Magazine Event Photo Gallery

As Seen In… Forbes,
January 17, 2011
M. Brown & Associates, Ltd.
“Creating and Preserving Wealth"
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Naperville Magazine
Reporter Interviews Mark Brown About Proactive Retirement Planning.CLICK HERE to read article

Equifax Data Breach Bulletin

As you are likely aware, the credit agency Equifax recently announced a major data breach.  Please consider your security options and course of action carefully, or consult with a cyber-security professional.

Neither M. Brown & Associates or Ausdal Financial Partners has any connection or affiliation with Equifax and we are not cyber-security experts.  We are not able to provide advice or recommendations as to how each individual should handle a potential breach of data that may have occurred as a result of the Equifax data breach. 

For our own good and the good of our clients, we have reviewed the situation and some of the professionall recommended courses of action. We would like to share the following article, from an investment industry publication called Horsesmouth, for your information.

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2% COLA and Medicare premiums

Social Security checks will be going up by 2.0% in 2018, thanks to a blip in the CPI-W in the third quarter caused by higher energy prices.

However, some clients will see little or nothing of their COLA. Because of how the hold-harmless unwinding works after a year (or years) in which some beneficiaries’ premiums were held artificially low because their annual COLA didn’t cover the rise in premiums, we may see the paradoxical situation where lower-income people have their entire COLA absorbed by Medicare premiums while higher-income clients get to enjoy their full COLA and unchanged (or even lower) premiums.

Here’s how that works...

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Healthcare News:

Private Exchanges a Practical Guide

Healthcare Employer Mandate Explanation
Beginning in 2014, certain large employers may be subject to a penalty tax for failing to offer health care coverage for all full-time employees (and their dependents), offering minimum essential coverage that is unaffordable, or offering minimum essential coverage under which the plan's share of the total allowed cost of benefits is not at least 60% (referred to as "minimum value"). The penalty tax is due if any full-time employee is certified to the employer as having purchased health insurance through an Exchange with respect to which a tax credit or cost-sharing reduction is allowed or paid to the employee, as provided in Code Section 4980H.

Download full PDF to find out more.

Larry Grudzein prepared a Power Point highlighting important details of The Employer Mandate under Health Care Reform.
Download PowerPoint to find out more.

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