Atlanta Award Program Honors the Achievement

ATLANTA June 27, 2025 — Linder Financial Services has been selected for the 2025 Best of Atlanta Award in the Financial Advisor category by the Atlanta Award Program.
Each year, the Atlanta Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Atlanta area a great place to live, work and play.
Various sources of information were gathered and analyzed to choose the winners in each category. The 2025 Atlanta Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Atlanta Award Program and data provided by third parties.

About Atlanta Award Program

The Atlanta Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Atlanta area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.
The Atlanta Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.

SOURCE: Atlanta Award Program

CONTACT:
Atlanta Award Program
Email: PublicRelations@citycompanyhonor.com
URL: http://www.citycompanyhonor.com

As we have been pondering and debating with many of you about why the healthcare sector has not really participated to date in the stock market recovery, we found this article about the role of AI in healthcare.  Although it doesn’t answer the questions about why the healthcare sector performance has lagged the broader market, it’s interesting, nonetheless.

Enjoy!

There is no shortage of articles on the importance (and difficulty!) of staying invested in turbulent times. We like the illustrative graphs in the attached article.

As always, we are here to talk with you about your concerns and opportunities.

Stay invested: The cost of cashing out during a market sell-off

April is Financial Literacy Month – our favorite month of the year. Plus we think everyone could use a bit of fun right now.

1. How are contributions to an IRA taxed?

a. They aren’t.
b. What is an IRA?
c. It depends on what type of IRA. Roth IRA contributions are made after taxes are paid and Traditional IRA contributions are made before taxes are paid
d. It depends on what type of IRA. Traditional IRA contributions are made after taxes are paid and Roth IRA contributions are made before taxes are paid.
e. No idea. I need to call LFS. Marci and Lori are there answering the phone as usual and I want to confirm that anyway.

2. Which is better for me? A Roth 401K or a Traditional 401K?

a. A Roth 401K of course because it helps my cash flow every month now.
b. A Traditional 401K of course because it helps my cash flow every month now.
c. What’s a 401K?
d. Both are good and I can have both.
e. Not sure. I need to call LFS. Marci and Lori are there answering the phone as usual and I want to confirm that anyway.

3. What is a bear market?

a. A market of high volatility
b. Who cares? We never have this anyway.
c. A market of decreasing stock prices
d. A market of decreasing bond prices
e. Not sure. I need to call LFS. Marci and Lori are there answering the phone as usual and I want to confirm that anyway.

4. What is the difference between a mutual fund and an ETF?

a. Mutual funds are traded on a stock exchange while ETF’s are not.
b. Why does it matter?
c. Mutual funds are generally actively managed and ETF’s are generally not actively managed.
d. Mutual funds are more liquid because they have higher fees.
e. Not sure. I need to call LFS. Marci and Lori say they are there answering the phone as usual and want to confirm that anyway.

5. What generally happens to bond prices when interest rates go up?

a. They stay the same.
b. They go down.
c. They go up.
d. Interest rates never go up, so not sure why this matters.
e. Not sure. I need to call LFS. Marci and Lori say they are there answering the phone as usual and I want to confirm that anyway.

• When should I start taking social security?
• Do I need a trust? Do my parents need a trust? What about my kids?
• Can I pay less income tax?
• Should I do a Roth conversion now to reduce my RMDs when I have to start taking them?
• How do I start spending the money I have worked decades to accumulate without worrying all the time that I will run out of money?
• If I have different types of accounts, in what order should I withdraw money when I need it?
• Can I afford to retire?
• How much should I really be saving every month?
• If I don’t have children, what do I need to do to ensure my financial and healthcare wishes are met? If I do have children, what do I need to do to ensure my financial and healthcare wishes are met?

Watch your mail in the next few weeks for an exciting announcement from LFS!

Can’t wait for our letter?? Feel free to call us now!

Happy 2025!

For 2025, there are plenty of changes which impact IRA’s and 401K’s so we will just cover the major ones here. There could be additional changes later in the year of course.

For 401K/403B/457:

• The maximum employee contribution has been increased from $23,000 to $23,500. The catch-up contribution for employees age 50 and over remains at $7,500 for a total of $31,000. New for 2025 is a total catch up limit of $11,250 for active participants who are between 60 and 63 years of age. This brings the total employer plan contribution to $34,750 for these employees.

For Traditional IRA’s:

• Contribution limit stays at $7,000 for 2025. The catch-up contribution for those age 50 and over is still $1,000 for a total of $8,000. The income tax deductibility level has been increased. We will review with you individually as needed.

For ROTH IRA’s:

• Contribution limit stays at lower of earned income or $7,000 for each spouse. Catch-up contribution of additional $1,000 for age 50 and over.
• Contribution eligibility has increased:
  • Full contribution with Adjusted Gross Income (AGI) increased to $150,000 for a single taxpayer. Phase-out between $150,000 and $165,000. We can help with the phase-out math.
  • Full contribution for each with total Adjusted Gross Income (AGI) less than $236,000 for married/filing jointly taxpayers. Phase-out between $236,000 and $246,000. We can help with the phase-out math.
• 2024 contributions (of $7,000 or $8,000 if age 50 or over) can be made until April 15, 2025. Let us know if you plan to do this so we can ensure the deposit gets applied to the correct year.

Call with questions or if we can help get these changes made for you.