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COINed: Commentary | Observations | Insights | News

COVID-19 Response

COVID-19 Response & Business Continuity:

Accredited has implemented measures to maintain the continuity of our business during an uncertain time period when you may need us the most. Click here for details.

WiseLife™ Speaker Series with Andy Slavitt

The first ever videoconference edition of Accredited’s WiseLife™ Speaker Series provided the opportunity to hear directly from a leading authority on the country’s response to the COVID-19 pandemic. Andy Slavitt, former head of the Centers for Medicare and Medicaid Services, joined Accredited CEO Ross Levin to discuss how we can manage this global pandemic together.

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Coronavirus Relief Package FAQs

The recently passed Coronavirus Aid, Relief, and Economic Security (CARES) Act contains a $2 trillion emergency relief package to provide financial help to those impacted by the COVID-19 pandemic. The passage of this Act creates a variety of implications for individuals and businesses. Below is a summary of the key components related to individuals and families.

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Giving Back While Staying Home

We have received questions about what people can do to help those who have been most impacted by COVID-19. For those that have the capacity to give, donations are the best way to support those most vulnerable and at risk during this time. We have outlined the below resources to identify charitable organizations assisting those affected by the coronavirus.

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Levin: How to keep fear or greed out of your investment portfolio

In preparation for a client meeting, I e-mailed the client and said, “You can be greedy or afraid, but not both.” For a couple of years, this client basically said things like, “I am really worried about what is going to happen in the market; how can we get stock market returns without the risk?”

After a great 2019 in the markets, I suspect that many of you may be experiencing similar thoughts. You can’t get great returns without risk. It is not possible. Fuhgettaboudit. Fear and greed are consistent combatants in a tug-of-war that leaves you emotionally battered and more reactive than necessary. Rather than being ping-ponged with the news or market fluctuations, here is a better approach.

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Levin: You just might be better off by accepting financial planning mysteries

In his book, “What the Dog Saw,” Malcolm Gladwell talks about puzzles vs. mysteries. Regardless of how difficult it may be to understand, puzzles have solutions. If you work hard enough, you can solve them.

Mysteries have no answers because there are too many variables that affect outcomes. Mysteries are about uncertainty. In fact, we tend to overcomplicate them by absorbing too much information.

As the year comes to a close, I was thinking about how often we try to turn the mystery of financial planning into a solvable puzzle.

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Congress passes the SECURE ACT, what do the changes mean for me?

Attached to the large spending bills that Congress passed just before the end of the 2019 legislative session were some last-minute provisions that will have an impact on personal finances in 2020 and beyond. The “Setting Every Community Up for Retirement Enhancement” (SECURE) Act includes some important changes to the rules regarding Individual Retirement Accounts (IRAs), as well as some narrower changes to other aspects of the tax code. The following is a high-level update on a few of the items that are likely to have the widest and largest impact.

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Social Security Adjustments for 2020

Each year the Social Security Administration announces cost of living adjustments that impact the monthly benefit to recipients for the following calendar year. As the New Year approaches, you can expect the following changes to apply to those enrolled in Medicare and receiving benefits from Social Security in the 2020 calendar year.

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