January 28, 2015 In Insurance, Planning By Joe Cervantes, CFP

Reviewing Your Life Insurance

10 Potential Pitfalls and How to Protect Your Beneficiaries

1) Naming a Minor Child

Insurance companies will not pay the proceeds of a life insurance policy directly to a minor. Absent a trust or other specified legal arrangement, a court-appointed guardian will handle all proceeds until the child reaches legal age (18 or 21, depending on the state).

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January 27, 2015 In Market Commentary By Chris Judy

Oil Prices and Market Volatility Expectations

The end of 2014 brought yet again an increase in market volatility, angst surrounding global economic growth, and continued unease about the longer term central bank strategies and actions. Several key points are worth highlighting:

  • Volatility in the stock market has picked up in the past few months. Concerns about global economic growth, the health of emerging markets, geopolitical tensions, and plunging oil prices have investors on edge.
  • Investors continue to rotate toward defensive sectors such as consumer staples, health care, and utilities, helped in part by the steady decline in long-term interest rates. More cyclical sectors such as basic materials, industrials, and technology are falling out of favor.
  • The US economy continues to improve at a below normal but nonetheless growing pace. It is hard to find another area around the globe in the same condition. Europe has stalled, Russia is close to a depression with the collapse of their currency, and their number one export, oil, is down 50% in US dollar terms.

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January 20, 2015 In Coldstream Happenings By Coldstream

2015 St. Patrick’s Day Dash

As part of Coldstream’s Employee Health & Wellness Initiative, we are once again sponsoring the St. Patty’s Day Dash Challenge!
Accept our challenge and invite your friends and family to join us in Seattle’s largest single-distance run, walk, jog or crawl.
There are two ways to participate!

Join the Coldstream Team
(click the link above!)

Select Team Member Registration
Enter Team Registration Code: ColdstreamTeam   Coldstream Team Members Save $3.00READ MORE

December 15, 2014 In Planning By Coldstream

Reminder from your Friends at Coldstream

Deadline for Required Minimum Distributions (RMDs): Clients who are 70½ or older must take an RMD from their IRA and/or their QRP for the 2014 tax year. All RMDs must be withdrawn by December 31, 2014, with the exception of those clients who turned or will turn 70½ during this calendar year; these clients may defer their first distribution until April 1, 2015.

December 3, 2014 In Planning By Liz McQueen, CRPC®

A Coldstream Reminder: The Holiday Season is also Prime Season for Identity Thieves

Please take a look at the following risk measures to protect your finances during the most wonderful time of the year.

Tips on Preventing Fraud

Unfortunately, in our ever interconnected and automated world, we are seeing a big uptick in cases of fraud. While it is unlikely all cases may be prevented there are several ways you can better protect yourselves and your information.

While there is no current way for the IRS to alert you if a Tax Return has been filed fraudulently on your behalf, and many of the credit monitoring agencies only report on new account activities, there are still many things we as consumers may do to protect ourselves.READ MORE

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