Estate Planning with Roth IRA Conversions

Often an individual will say that they are too old to engage in a Roth IRA conversion. Their fear is that the tax-free benefits of owning a Roth IRA with a shortened life expectancy will be outweighed by the up-front income tax cost that comes with the Roth conversion. The reality is that an individual […]

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Rising Interest in Terminating Pension Plans

Although the majority of private sector qualified retirement plans are now defined contribution (DC) type plans (i.e. 401(k), 403(b), profit sharing etc.), there are still some legacy defined benefit (DB) pension plans being maintained by employers. It has long been known that these pension plans can become a runaway train of costs and corporate liabilities […]

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Planning Strategies for a Rising Rate Environment

Over the past decade, we have become accustomed to a low interest rate environment which has favored certain estate planning techniques and wealth transfer strategies. A number of these strategies use interest rates which are published monthly by the Internal Revenue Service (IRS); the Applicable Federal Rate (AFR) reflects the minimum interest rate that the […]

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Proposed Regulations for Inherited IRAs Bring Unwelcome Surprises

When Congress enacted the SECURE Act in 2019, one of the noteworthy changes related to the period over which beneficiaries were required to take IRA distributions. Before the SECURE Act, beneficiaries of inherited IRAs could “stretch” the required minimum distributions (RMDs) over their entire life expectancies. The stretch period could be decades for younger beneficiaries, […]

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Perspectives Newsletter – November 2022

Download our monthly Perspectives Newsletter. Read More

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Weekly Market Snapshot – October 28, 2022

View our weekly market snapshot

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Greenleaf Trust announces addition of new member to the Board of Directors

Greenleaf Trust is proud to announce the addition of James Liggins, Esq. to board of directors: At the regularly scheduled October board of directors meeting, the board unanimously voted to accept the nomination of James Liggins, Esq. to the Board of Directors of Greenleaf Financial Holding Company, Greenleaf Trust of Michigan and Greenleaf Trust of […]

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Money Talk with Nick Juhle

Chief Investment Officer Nicholas Juhle spoke at the Detroit Economic Club about the collapse of consumer confidence. Listen here

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September Retail Sales – Inflation/Rates Weighing on Consumers

U.S. retail sales slowed in September with inflation adjusted spending unchanged from a year ago and down month over month.  Weaker retail spending is an indication that rampant inflation is catching up with consumers.  The Fed is expected to implement a fourth 0.75% rate increase next month as part of an ongoing effort to soften […]

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September Inflation – Hotter than Expected; Core on the Rise

On the heels of last week’s solid jobs report, September inflation data came in hotter than expected this morning likely cementing another 0.75% Fed rate increase next month.  While policymakers have responded to elevated inflation with the fastest hiking cycle in over 30 years, the labor market and consumer demand have remained resilient.   The Consumer […]

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