Past events

Quarterly Market & Investment Update

PDT

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Erin Scannell, Private Wealth Advisor, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors

We welcome you to join us for a discussion on the current environment for investors, along with our views on longer-term risks to retirement portfolios. We’ll also cover strategies we use with clients to mitigate these risks and take advantage of the opportunities they present. We will cover many topics, including:

  • The current investing environment: The economy, inflation, equities/stocks, and fixed income/bonds
  • Systemic risks and opportunities informing our long-term outlook
  • The potential outcomes faced by investors & investment strategies to prepare for them

There is no cost or obligation to attend.

Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Ameriprise Financial, Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial cannot guarantee future financial results.

Estate Planning

PDT

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Erin Scannell , Private Wealth Advisor, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, a Private Wealth Advisory Practice of Ameriprise Financial Services, LLC

Having a tax-smart estate plan can be the difference between losing a small fraction of your estate to taxes, or a significant percentage. The U.S. tax code is complex, but it’s also filled with opportunities to influence how your assets will be impacted by the federal estate tax, state estate tax, income tax, probate, and other costs that often trigger at the time of death.

Join us to learn how you can protect your assets and your heirs in our Estate Planning virtual event. We’ll share strategies to help balance simplicity and effectiveness, that can provide protections in the case of sickness or incapacitation, and that can help reduce taxes, which have helped many of our clients make a larger impact on their family and/or the charities they support.

    • The basics: Strategies for preserving your estate and avoiding probate
    • Advanced: Strategies to help reduce taxes
    • Easy wins: Strategies that can be used now without the need of an attorney
    • Planned Giving: Strategies for how to save taxes and give more charity without reducing what goes to kids

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Ameriprise Financial Services, LLC and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

The New Tax Bill: Top Strategies for HNW Families

PDT

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Erin Scannell, CFP®, CLU®, ChFC®, AAMS™, Private Wealth Advisor

Heritage Wealth Advisors

On July 4th, President Trump’s new tax bill was signed into law. With major changes to capital gains, deductions, estate exemptions, and business taxes, this is the most important time in years to revisit your tax strategy—especially if you fall into higher-net-worth tax brackets.

Join us for a pop-up live event on Wednesday, July 23, at 4pm PT to understand what’s changed, what’s time-sensitive, and what our wealth strategists believe may be best to do next. Key planning opportunities we’ll cover include:

  • Roth conversion & capital gains timing
  • Increased deductions
  • Advanced trust planning
  • Exit planning under QSBS
  • Reinstated business deductions
  • Estate planning leverage
  • Actions for WA State residents

This is an informational seminar. There is no cost or obligation.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial cannot guarantee future financial results.

This seminar is being provided only as a general source of information and is not intended to be used as a primary basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor.

When evaluating a Roth conversion, clients should consider their ability to pay taxes on converted assets, their current marginal tax rate to their potential future marginal tax rate, and their timeframe for withdrawing the assets. Withdrawals from a Roth account are tax-free as long as investors leave the money in the account for at least 5 years and are 59 1/2 or older when they take distributions or meet another qualifying event such as death or disability.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Planning to Give

PDT

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Erin Scannell , Private Wealth Advisor, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, a Private Wealth Advisory Practice of Ameriprise Financial Services, LLC

Would you rather see your money in the hands of the IRS, or a charitable cause that truly means something to you? You may have more control over where your wealth goes than you think. Our Planned Giving Seminar will teach you how to redirect thousands in tax dollars to charitable contributions and still retain as much wealth—if not more—in the long run.

Planned Giving doesn’t require that you spend less on yourself or give your kids less. Most people with a net worth of over $1M will pay well into the six figures in taxes. It means to instead give some of that money to charity—not the money you need to live on.

Join us to learn strategies for redirecting what otherwise might go to the IRS to the charities you support. We’ll discuss:

  • How to get tax benefits now for gifts that are made to charity sometimes in the future
  • How to avoid tax on RMD's (required withdrawals from IRAs and 401ks)
  • How to get certain benefits of trusts (probate avoidance, creditor protection, control over when kids get money, etc.) without the costs of setting up a trust
  • Donor Advised Funds, Dynasty Trusts, and Capital Gains Bypass Trusts

There is no cost or obligation to attend.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

The Power of Financial Planning

Erin Scannell, Private Wealth Advisor, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors

Youmay have heard the term “financial planning,” but what is it and why is itimportant?

Financial planning is a process to identify your goals—the things that, if achieved, would make you feel like you’re living life to the fullest—and lay out a clear map on how to achieve those goals. It’s more than an action plan for growing your wealth; it’s about making all your financial decisions from a strategic and educated place. The planning process also focuses on protecting your wealth through proper insurance, entity planning, reducing your taxes, implementing savings and distribution plans, and more.

This may sound overwhelming, but the value of financial planning is to make all the complexities of your financial life simple. Financial planning isn’t just preparing for retirement—it benefits people in every stage of their life, from planning for your first home, to creating additional income streams for yourself, to legacy planning in your golden years. It can offer not only financial impacts, but also personal ones: improved goal achievement (getting more from your resources), higher confidence levels when making financial decisions, and even higher levels of happiness.

Here are a few topics we will cover:

  • What financial planning is and how it could impact you
  • Why it can make sense to involve the entire family
  • Protecting your wealth
  • The advantage of getting advice from specialists vs. generalists
  • The holistic approach Heritage Wealth Advisors uses for our clients

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP ® certification mark, the CERTIFIED FINANCIAL PLANNER ™ certification mark, and the CFP ® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Sources:https://www.huffpost.com/entry/the-power-of-writing-down_b_12002348 https://www.cfp.net/news/2012/07/many-families-struggle-to-make-ends-meet-but-those-with-a-financial-plan-feel-and-do-better https://www.wealthmanagement.com/industry/new-study-finds-clients-using-financial-advisors-are-happier https://www.angieherbers.com/consumer-happiness