If you recently converted funds in a traditional IRA into a Roth and the value of the account has declined, or you have other reasons for regretting the move, you can "recharacterize" the conversion.
After another good year on Wall Street in 2014, some stock market prognosticators are predicting a reversal of fortunes for 2015, while others expect another good year for investors. But no one knows what actually will happen next, and the best thing you can do is to plan for all possibilities.
In the waning days of last year, Congress passed the Tax Increase Preservation Act of 2014 (TIPA), extending a package of tax breaks...you still can maximize the tax benefits of TIPA on your 2014 tax return. Consider these seven prominent tax breaks that were included:
If gasoline prices in 2015 stay as low as they were in October 2014, the American economy literally would experience a major energy boost...Even if consumers don't turn around and spend every dollar saved on lower gasoline prices, the stimulus to GDP provided by the energy boost is likely to have a noticeable effect on the economy.
Adviser of the Year (Highest and Most Prestigious Award)
Armand J. Fisher
Independence Award (Highest Growth Year Over Year)
Randal S. Poirier, ChFC®
Signator Preservation Award
Armand J. Fisher
Signator Wealth Award
John Hancock Financial Network Hall of Fame Inductee
45 Years of Service
40 Years of Service
The following individuals have qualified for the ACE Award, one of the highest honors that JHFN bestows on a financial representative. ACE stands for “Achieving Client Excellence.” According to Richard P. Beaulieu, Jr., CLU®, ChFC® and Kevin J. Beaulieu, ChFC®, Managing Partners, the ACE Award serves as a confirmation of these advisers exceptional abilities.
Armand J. Fisher – ACE Platinum
Nathaniel Vinson – ACE Top Gold
Randal S. Poirier, ChFC® - ACE Gold
Brian M. Rys, AIF®, CFP®, CLU®, ChFC® - ACE Gold
Ian Gerrior – ACE Gold
Christopher A. Beaulieu, ChFC® - ACE Silver
Rulla Nehme – CFP®, ChFC®, CASL® - ACE Silver
John M. Gautreaux, ChFC® - ACE Silver
C. Martin Warburton, CLU®, ChFC® - ACE Silver
Karl Green – ACE Silver
Gregory Beaulieu – ACE Best-in-Class
* The Achieving Client Excellence Award (ACE) was granted by former broker-dealer Signator Investors, Inc. and the John Hancock family of companies. The ACE award is granted to the top 250 advisors each year based on total weighted premium from the sale of both proprietary and non-proprietary preservation and wealth products. No other factors are considered. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.