Today’s Sponsor
Happy Sunday! Here’s what we’re covering in today’s Clark Smart Investing newsletter:
Americans are redefining what it means to be financially successful
One of the best tax breaks for retirees who give to charity
You may be able to sell investments and pay 0% capital gains tax
Q&A with Wes Moss: How should I factor a future inheritance into my retirement plan?
💵 Americans Are Redefining What It Means To Be Financially Successful
For a long time, financial progress was easy to measure. Your income went up, you bought a house, you paid down debt and your net worth grew until you retired. If those numbers were moving in the right direction, you were doing well.
A new survey suggests many Americans no longer keep score that way. Find out what the latest data reveals.
📚 Recommended Reading
Are you 70½ or older and planning to give to charity? Don't write a check from your personal bank account before reading this! Here is how to make your donations go further while lowering your tax bill. Read more.
Think selling off stocks always means taking a tax hit? Not necessarily. Here is how the 0% tax bracket works, who qualifies, and how "tax-gain harvesting" could lower your future tax bills. Read more.
Sponsor
A three-year care event in Metro Atlanta can approach $350,000, and a longer cognitive decline can cost considerably more. Download the free Long-Term Care Planning Guide to see current local costs and a four-step framework for deciding whether to self-insure or consider coverage.
Actual costs vary by type, location, and duration of care. This material is for educational purposes only and is not investment, tax, or insurance advice, or a recommendation to purchase or decline any insurance product.
💬 Ask an Advisor
✅ Poll: What’s Your Take?
Every week, we'll ask a new question to get your take on the latest financial trends and topics.
Looking back, which do you wish you had done more of?
Last Week’s Poll Results
We asked: “Do you plan to pay off your mortgage before you retire?” Here’s how you answered:
Yes - (23%)
No - (11%)
Already retired & mortgage-free - (52%)
Already retired & still paying a mortgage - (14%)
💸 Money Tip of the Week
Review your subscriptions: Clark recommends reviewing your subscriptions four times a year. We just celebrated the first day of fall, so this weekend is a great time to do it. Here’s how to identify every subscription you’re paying for right now – and which ones you should ditch.
☎ Need Money Help?
The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.
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This information is provided to you as a resource for informational purposes only and is not to be viewed as investment advice or recommendations. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Any company names shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The views and opinions expressed are for educational purposes only as of the date of production/writing and may change without notice at any time based on numerous factors, such as market or other conditions. Always consult your own legal, tax, or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.
