Financial Insights

budgeting in retirement

Budgeting for Retirement

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Access Insights 2020 Summer Newsletter

Access Insights Volume VIII

budgeting in retirement

Budgeting for Retirement

You know it's important to have a budget. But when retirement is looming, budgeting becomes critical. It could mean the [...]
RMD Deadline CARES Act

August 31 is the Deadline to Roll Back RMDs

Did you take an RMD before the CARES Act passed and changed the requirement? There's still time to roll back [...]
NJ pension exclusion

What You Need to Know About the NJ Pension Exclusion

One of the most significant retirement decisions you will make is deciding where you want to live in retirement. Considerations [...]
retirement planning mistakes to avoid

Avoid These Pandemic-Prone Mistakes When Planning for Retirement

Planning for retirement, especially during a pandemic, can be stressful. Avoid these retirement planning mistakes to ensure you achieve your [...]
intrafamily loan

Deciding if an Intrafamily Loan Makes Sense

On June 10, the Federal Reserve announced that it is unlikely they will raise interest rates until 2022. This is [...]
Estimated tax deadline 2020

Tax Alert: NJ/NY Estimated Tax Payments Due Monday

On March 21, the Treasury Department directed the IRS to postpone the tax filing deadline from April 15 to July [...]
529 Plan

May 29 is 529 Plan Day

May 29 highlights the benefits of investing in a 529 College Savings Plan. Learn how a 529 Plan can help [...]

Access Insights Volume VII

401(k) after job loss

What to do with Your 401(k) Plan After Unemployment

Few life events are more stressful than a job loss. If you or someone you know is in this situation [...]
COVID-19 Stimulus Checks

A Word About Stimulus Checks

A Word About Stimulus Checks Are you eligible for a stimulus check from the Treasury Department? As of Friday, April [...]
understanding the markets

Clarity is the Key

Investors and advisors around the world are always striving to understand the markets, hoping to use educated logic to anticipate [...]

How the CARES Act Impacts Required Minimum Distributions

The CARES Act, signed into law on Friday, March 27, is a relief bill for individuals, small businesses, and non-profit [...]
new jersey extends tax filing deadline 2020

New Jersey Extends Tax Filing and Payment Deadlines

New Jersey has extended the State income tax filing deadline and the corporate business tax filing deadline from April 15 [...]
How the CARES Act helps

The CARES Act and You

On Friday, March 28, President Trump signed the CARES Act into law. The CARES Act is an economic stimulus package [...]
New York State filing deadline 2020

New York State Extends Tax Filing and Payment Deadlines

New York State has extended the April 15, 2020 due date for filing personal income tax and corporate tax returns. [...]

Beware of COVID-19 Scams

COVID-19 scams are running rampant, targeting the elderly, individuals with pre-existing conditions, and low-income Medicaid recipients. The fraudulent sales pitches [...]
investment options during volatility

Getting Close to Retirement? Here’s How to Prepare Your Portfolio in a Volatile Market.

The stock market, after eleven years of unprecedented growth, has officially transitioned into a bear market. A bear market is [...]
federal filing date extended

Federal Filing Date Extended (Tax Alert Update)

On Saturday March 21, the Treasury Department and IRS extended the due date for filing Federal income tax returns for [...]
tax payment deadline extended

IRS Provides Some Tax Relief

On March 18, the Internal Revenue Service issued Notice 2020-17, Relief for Taxpayers Affected by Ongoing Coronavirus Disease 2019 Pandemic, [...]
facts about income tax

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you. The tax [...]
stock market volatility

What to do During Times of Extreme Market Volatility

As I was sitting down to write this article, I received an email from a younger client of mine with [...]

Access Insights Volume VI

coronavirus and stock market crash

Our View on the Coronavirus and How it is Impacting Markets

The Coronavirus has dominated the news cycle of late, and markets are clearly reacting to the news because the outcome [...]

A Free Tool to Connect the Elderly with Special Services

Many older citizens need special services to assist them in their daily lives, including things such as transportation, meals, and [...]
secure act webinar

SECURE Act Webinar Recording Available Now

There is a high likelihood the SECURE Act will affect your retirement and estate planning. Passed into law in December [...]
SECURE Act webinar

Webinar: How the SECURE Act Changes Your Retirement and Estate Planning

There is a high likelihood the SECURE Act will affect your retirement planning. The Setting Every Community Up for Retirement [...]
Access Insights Blog and News

A New Decade Brings New Insights and a New Communication Schedule

Once a month, we send out Access Insights, an electronic newsletter that summarizes all of the blog posts that have [...]
five star wealth manager

Three Advisors Named 2020 Five Star Wealth Managers

Join us in congratulating Howard Milove, Howard Hook, and Darren Zagarola for winning the 2020 Five Star Wealth Manager award!  [...]
check fraud

An Important Tip to Help Avoid Check Fraud

As if it’s not hard enough to remember to write the new year on your checks, now authorities are warning [...]
Future 50 RIA Award

Access Wealth Recognized as a Future 50 RIA by Citywire USA

We are proud to share that Access Wealth has been selected as a Future 50 RIA by Citywire USA. The [...]
secure act financial retirement planning

What You Need to Know About the Recently Passed SECURE Act

On December 20, 2019, Congress passed, and the President signed the “Setting Every Community Up for Retirement Enhancement Act,” better [...]
tax planning year end tax planning

Year-End Tax Planning Tips for 2019

The Tax Cuts and Jobs Act of 2017 (TCJA) made significant changes to practically everyone’s Federal income taxes beginning in [...]
Food Drive

Thank You for Supporting our 2019 Food Drive

As a way of celebrating the Thanksgiving and Holiday season, we hosted a food drive to benefit the Community FoodBank [...]
Medicare Advantage Plan

Should You Consider a Medicare Advantage Plan?

Now is the time (October 15-December 7) that the 64 million Americans on Medicare must decide whether to stay on [...]

Access Insights Volume V

food drive

Access Wealth Hosts Food Drive

If you would like to contribute to this year’s food drive to support the Community FoodBank of New Jersey, please [...]
affordable care marketplace exchange open enrollment

Open Enrollment for Affordable Care Has Begun

On November 1, open enrollment for the Federal Health Insurance Marketplace Exchange began, and will continue through December 15. For [...]
senior property tax freeze

New Jersey Senior Property Tax Freeze Deadline is October 31, 2019

Property taxes in New Jersey continue to be a hot topic of conversation, especially given the changes to the federal [...]
Medicare Open Enrollment

Medicare Open Enrollment Begins October 15, 2019

The annual Medicare open enrollment period starts next Tuesday, October 15. For those currently enrolled in Medicare, this is the [...]
happy family at sunset celebrating financial planning success dreaming about future

Why it’s Important to Have a Financial Plan and Update it Annually

Research by Charles Schwab shows that three in five Americans live paycheck to paycheck, and only one in four have [...]

Access Insights Volume IV

The FED - Federal Reserve System

Here’s What the Fed Rate Cut Means

This past Wednesday, the Federal Reserve lowered the target for the Federal Funds rate by a quarter of a percentage [...]
HSA Health Savings Accounts

Are Health Savings Accounts Right for You?

Are Health Savings Accounts Right for You? A Health Savings Account (HSA) is a tax-advantaged personal medical savings account that [...]
Howard Hook, CFP, CPA

Howard Hook Joins Forbes Finance Council

Howard Hook has been invited to join the Forbes NY Finance Council and be a regular contributor to Community [...]
Larry Zagarola and Darren Zagarola Jaycees

Access Wealth Proudly Supports Cranford Jaycees

Access Wealth is proud to support the Cranford Jaycees. We sponsored a hole at their Annual Golf Outing, which set [...]
Darren Zagarola, CFP, CPA, PFS

Darren Zagarola Elected President of the Board of Directors of Princeton Adult School

Congratulations to Darren Zagarola on being elected President of the Board of Directors of the Princeton Adult School. Darren is [...]
Adrian Rodriguez

Adrian Rodriguez Joins the Access Wealth Team

It is with great pleasure we announce that Adrian Rodriguez has joined the Access Wealth team as a full-time Analyst. [...]

Congratulations to Adrian Rodriguez on Graduating Cum Laude

Congratulations to Adrian Rodriguez on graduating Cum Laude from William Paterson University. Adrian is accomplished academically and personally. He is [...]
investment goals financial planning

Access Insights Volume III

WPU Financial Planning Day

Access Wealth Welcomes William Paterson University Students for Second Annual Financial Planning Day

On Friday, May 3, 2019, Access Wealth proudly hosted its second Financial Planning Day for 12 William Paterson University Cotsakos [...]

Adrian Rodriguez Wins Second Prize in William Paterson University’s 2019 Pitch Tank Competition

We are proud to share that Access Wealth’s finance intern, Adrian Rodriguez, has won second place in William Paterson’s eighth [...]
avoid retirement mistakes

9 Common Mistakes to Avoid in Retirement

You’re heading to the finish line – retirement is approaching, or maybe you’ve already retired. You’ll want to steer clear [...]

Tax Bill Update (The SECURE Act)

In December 2018, there was a new tax bill working its way through Congress. Called the “Retirement Savings and Other [...]
strategies to save money when young

Teach Your Children Well

Does your teenage or college age child work part-time? If so, one of the best things you can do as [...]
charitable planning strategies

How to Donate and Still Benefit

For most people, charitable giving involves writing checks to the charities of their choice. However, changes in the tax law, [...]

Access Insights Volume II

Winter 2019 Newsletter
Staying active in retirement

What Does Retirement Mean to You?

As you progress through youth and middle age, retirement moves from being a vague abstraction to an impending reality. How [...]

Inside Access Wealth’s Investment Philosophy (A Citywire RIA Interview)

We were flattered to be interviewed by Citywire Registered Investment Advisor magazine. They asked Portfolio Manager, Mike Chomiak, to describe [...]
asset allocation

Why Asset Allocation Still Makes Sense

Have you ever heard the saying “Slow and steady wins the race?” When it comes to investing and building your [...]
Access Wealth Best Financial Advisors

New Year – New Look – Same Us!

But better looking! We are marking our 30th year in business with a branding refresh that better reflects who we [...]
Financial Planning

Access Insights Volume I

Three Changes to Retirement Accounts You Should be Aware Of

Lost in all the tax law changes that went into effect this year were several changes made to IRA and [...]

Tax Bill Alert

Don’t look now but another tax bill is working its way through the House Ways and Means Committee. If passed [...]

Howard Milove is a 2019 Five Star Wealth Manager Award Winner

We are pleased to announce that Howard Milove, CPA, PFS, has won the 2019 Five Star Wealth Manager award! By [...]
retirement savings

Don’t Forget your RMD

When it comes to retirement accounts such as Individual Retirement Accounts (IRAs), 401(k)s and 403(b)s, there are two magic ages [...]

The IRS Tax Withholding Tables May be Inaccurate. Here’s What You Need to Know.

Typically, when a tax law is passed that changes the marginal tax rates, the IRS issues new tax withholding tables [...]

Access Wealth Raises Money for Local School

Six employees of Access Wealth and their family members ran in the OAS/BS 5K Run on November 4. The money [...]
Leo Chubinishvili, CFP

Leo Chubinishvili Joins the Access Wealth Advisory Team

It is with great pleasure we announce that Levan “Leo” Chubinishvili, CFP® has joined the Access Wealth advisory team as [...]

Medicare Open Enrollment Begins October 15, 2018

What is the Medicare Open Enrollment Period? The Medicare Open Enrollment Period is the time during which people with Medicare [...]

Health Insurance – Know your Options and Get Covered

According to a study published in the American Journal of Medical Health, people who lack health insurance have a 40% [...]

Is It the Right Time to Reallocate Your Insurance $$$?

As Baby Boomers approach retirement they often ask the questions: Should I continue to keep my life insurance polices? Should [...]

Single Parent Finances: Six Tips to Find Financial Success When It’s All on You

Being a single head of household can wreak havoc on your finances, your time, and your career trajectory, presenting challenges [...]
deciding to retire or keep working

“To Retire or Not to Retire” is the Question

The baby boomer generation consists of 78 million people, all born between 1946 and 1964. Every day 10,000 more in [...]

New Jersey Senior Property Tax Freeze Deadline is October 31, 2018

Property taxes in New Jersey have always been a hot topic of conversation. This was exacerbated with the changes to [...]
charitable giving

Charitable Giving Under the New Tax Laws

I’ve been having more conversations lately with clients about charitable giving. While I have found many to be very generous [...]

Best Defense from Scams? Common Sense.

Over the past year, we have received many calls from clients about different types of scams. Fortunately, most have been [...]

Showing Employee Appreciation!

Here at Access Wealth, we value our employees and the effort they make every day. Throughout the year, we find [...]

Single Parents – Five Choices for Success

In 1960, among all households in the U.S. with children under 18, 1 in 8 were not headed by a [...]

Access Wealth Sponsors Golf Outings

Access Wealth sponsored a hole at the Cranford Jaycees Annual Golf Outing in May, as well as the Veterans Day [...]

Where Do You Plan to Live in Retirement?

Whether you are approaching retirement or have already retired, you have probably thought about your options regarding residential living in [...]
Howard Hook, CFP, CPA

Howard Hook Elected to HomeCare Options Board of Directors

Howard Hook, CFP®, CPA, a senior wealth advisor with Access Wealth (as well as its sister company EKS Associates), was [...]

Do You Suffer from Chrometophobia?

Surveys have reported that two-thirds of Americans admit to being subject to financial fears, and as many as one-third say [...]

It’s All About Creating the Right Balance

Doctors tell us in order to stay healthy we need to eat a “balanced” diet. Families struggle to find the [...]
Darren Zagarola, CFP, CPA, PFS

Darren Zagarola Elected to Princeton Adult School Board of Directors

Darren Zagarola, CFP®, CPA, PFS, a senior wealth advisor with Access Wealth (as well as its sister company EKS Associates), [...]

Estate Planning: Important for Families at Any Age

Estate planning has always been considered an integral part of one’s financial plan. However, there’s been a misconception that it [...]

Roth Conversions and the New Tax Law

Roth IRAs have been around since the Tax Payer Relief Act of 1997.  During that time, the use of the [...]

IRAs and 401(k)s: To Roth or Not to Roth

The Roth IRA was created in 1997 and quickly became popular. One of the main differences between it and the [...]

Access Wealth Supports Local Basketball Team

Access Wealth is proud to support the NJ Blast and AAU Basketball.
Financial Planning

Make Sure You Get All the Facts

Has anyone ever told you that you are paying too much for your car? The conversation goes something like this: [...]
insurance planning

Don’t Neglect Your Risk Management Portfolio

While most people may be concentrating on saving for retirement, putting their kids through college, or buying that second home, [...]
social security benefits

Social Security System is Not Going Away

Retirement security and protection against the risks of disability and premature death are among the most important challenges families face [...]

Making the Most of Your Social Security Benefits: A Strategy for Widows

Elizabeth (name changed) contacted her financial advisor after her husband passed away earlier this year. One of the important issues [...]
family wealth planning

Webinar Looks at Impact of New Tax Law

The biggest tax overhaul in more than 30 years will have a long-lasting impact on American families, changing the way [...]

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