This month, my newsletter explores the following topics:
- ‘Laddering’ CDs to earn the most on savings
- How can you benefit from charitable gift annuities?
- Three things to know about your retirement benefits
- Limiting the estate-planning fallout from family estrangement
There’s still time to make the most of your finances – and minimize taxes – before the close of 2023. Please reach out if you would like to explore the possibilities.
I’m ‘Laddering’ My CDs To Earn The Most On My Savings
Looking for a savvy way to optimize your savings? Learn how Jackie Lam strategically laddered CDs in 3-month increments, benefiting from higher interest rates without locking away funds indefinitely.
Charitable Gift Annuities: Benefit Yourself And Your Favorite Charity
Donating to charitable gift annuities can provide you with tax breaks now and income later. Here’s what you need to know.
As Social Security Marks A Milestone, Here Are 3 Things To Know About Your Retirement Benefits
President Franklin D. Roosevelt signed the Social Security Act into law in 1935. Eighty-eight years later, the program has never missed a payment. Here’s how Social Security has changed and what experts are watching for next.
Estate Planning Amid Family Estrangement: Limiting The Fallout
Family estrangements can complicate estate planning, often leading to surprises and legal battles after a loved one’s passing. Learn why open conversations about inheritance intentions might be the key to avoiding misunderstandings and promoting family harmony.
Michael M. Silverman is a Financial Representative of The Guardian Life Insurance Company of America, New York, NY. Silver Lining Insurance Agency, Inc. is not an affiliate or subsidiary of Guardian.
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2023-162412 Exp. 10/25