Heiner’s Insurance: Benefits of a Smart Thermostat

by Addie B. @ Acuity According to the U.S. Department of Energy, heating and cooling account for nearly half of a home’s energy costs—over $900 each year. Smart thermostats can help control costs by providing more control over home temperature. A smart thermostat is a Wi-Fi enabled device that automatically adjusts temperature settings in your home for optimal performance.Heat Smart thermostats provide homeowners several other … Continue reading Heiner’s Insurance: Benefits of a Smart Thermostat

Ryan SpeltsFebruary 1, 2019January 29, 2019Leave a comment

Intervivos: Reviewing Your Estate Plan

By Garrett T. Smith A common question I am asked when helping families set up their estate plans is, “How often do I need to update my trust?” Unfortunately, there is no simple answer. I find myself giving the traditional attorney answer of “it depends.” There is no universal answer to this question because there is such a broad spectrum of family dynamics. As a … Continue reading Intervivos: Reviewing Your Estate Plan

Ryan SpeltsFebruary 1, 2019January 29, 2019Leave a comment

Wasatch Peaks: Do I need an Emergency Fund and a Rainy Day Fund?

Q: Do I need to have a separate rainy day fund and emergency fund? A: Rainy day funds and emergency funds serve different purposes. It’s important to have both available to tap into as needed. Read on for answers to all your questions on rainy day and emergency funds. Why have a rainy day fund? Say your washing machine suddenly needs replacing. You’re looking at an extra … Continue reading Wasatch Peaks: Do I need an Emergency Fund and a Rainy Day Fund?

Ryan SpeltsFebruary 1, 2019February 4, 2019Leave a comment

Business, North Ogden

Pinnacle Accountancy Group

Pinnacle Accountancy Group New 2018 Tax Reforms By Cameron Pibble At Pinnacle Accountancy Group of Utah, tax time is our favorite time of year. In December 2017, Congress passed the Tax Cuts and Jobs Act (The Act). The Act makes sweeping changes to the U.S. tax code and impacts virtually every taxpayer. These changes are now in effect when filing your 2018 individual and business … Continue reading Pinnacle Accountancy Group

Ryan SpeltsFebruary 1, 2019January 30, 2019Leave a comment

Using a business entity to limit personal liability.

Using a business entity to limit personal liability.One of the greatest blessings of living in the United States is the freedom we enjoy. We are free to exercise our religion, speak our minds, own firearms, retain privacy, and so much more. We have the freedom to pursue the American Dream and create successful businesses, and many people do! Recent U.S. Small Business Administration data shows that there … Continue reading Using a business entity to limit personal liability.

Garrett T. Smith, AttorneyJanuary 1, 2019December 27, 2018Leave a comment

Wasatch Peaks Credit Union

3 Ways to Better Pay Off Your Debt Is your New Year’s resolution to work on lowering or getting out of your debt? You’re not alone. The average household has nearly $15,000 in credit card debt alone. Once you add in mortgage, car, and student loans, the number can feel staggering. To help you, we want to share several options to help you get back … Continue reading Wasatch Peaks Credit Union

Wasatch PeaksJanuary 1, 2019January 1, 2019Leave a comment

The Sandwich Generation

Continue reading The Sandwich Generation

Garrett T. Smith, AttorneyDecember 1, 2018November 30, 2018Leave a comment

6 Tips to Prevent Burglaries

Homeowners insurance can protect you and your family in the event of a loss caused by theft. But what is better than being reimbursed after the fact? Taking some simple steps to prevent burglaries in the first place! Maintain your yard. This may sound unrelated, but the appearance of your yard, specifically the areas around your windows, can either invite or deter burglars. Think of … Continue reading 6 Tips to Prevent Burglaries

Addie B.November 1, 2018November 1, 2018Leave a comment

5 Reasons Young Families Need Life Insurance

5 Reasons Young Families Need Life Insurance A mother of three, in her thirties, is diagnosed with breast cancer; a three-year-old boy is diagnosed with juvenile rheumatoid arthritis; a twenty-eight-year-old woman is hit in the head while outside and suffers a concussion; a forty-two-year-old man visits his doctor for a yearly physical and is diagnosed with sleep apnea. These are scenarios which I have witnessed … Continue reading 5 Reasons Young Families Need Life Insurance

Michael Anaya InsuranceNovember 1, 2018November 1, 2018Leave a comment

Intervivos: Planning for Children with Special Needs

Planning for Children with Special Needs Last month I wrote about the exorbitant financial and tax penalties of Aretha Franklin’s estate because she failed to do estate planning. I also mentioned that Franklin had a son with special needs. One report mentioned that Franklin’s attorney had spoken with her multiple times suggesting that she do planning for herself and her son with special needs. Perhaps … Continue reading Intervivos: Planning for Children with Special Needs

Garrett T. Smith, AttorneyNovember 1, 2018November 1, 2018Leave a comment

Wasatch Peaks Credit Union:Advantages of Credit Cards

Advantages of Credit Cards Are you getting wary of credit cards and their confusing tangle of benefits and debt traps? With all the flak they get, you may have considered ditching your credit cards for good. Here are a few reasons why that’s not the best idea! First, credit cards can boost your credit score. You’ll need a credit history and a respectable credit score … Continue reading Wasatch Peaks Credit Union:Advantages of Credit Cards

Wasatch PeaksNovember 1, 2018November 1, 2018Leave a comment

Attention! Are you on Medicare

IS YOUR PLAN COSTING YOU TOO MUCH? IS YOUR PLAN STILL THE RIGHT PLAN FOR YOU? The wrong plan can cost you plenty of money even if the plan has a $0 premium. The 2018 Annual Open Enrollment Period is from October 15th through December 7th. During this window, you have the opportunity to switch your plan if needed. Because Medicare has so many parts, … Continue reading Attention! Are you on Medicare

Chuck MooreOctober 1, 2018September 28, 2018Leave a comment

Wasatch Peak Credit Union

Debt is the wealth killer. There’s one very notable exception, though, and you’re living in it. If you’ve already paid for your house or own a large equity in your home, there are still ways you can reap the benefits of this “good debt.” You can use a home equity line of credit, or HELOC, to pay for a variety of expenses. Let’s take a look … Continue reading Wasatch Peak Credit Union

Ryan SpeltsAugust 31, 2018August 31, 20182 Comments

Power of Attorney Intervevios

A power of attorney is an important document in your estate plan. You want to make sure it is done correctly to prevent unintended negative consequences. A comprehensive estate plan includes a revocable living trust, a pour-over will, a power of attorney, and various healthcare documents. A power of attorney gives another person the ability to act on your behalf for specified legal and financial … Continue reading Power of Attorney Intervevios

Garrett T. Smith, AttorneyAugust 31, 2018August 31, 2018Leave a comment

Heiner’s Insurance

Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later. Our decision on what can wait and what must be fixed right away depends largely on whether the issue is … Continue reading Heiner’s Insurance

Addie BAugust 31, 2018August 31, 2018Leave a comment

How business owners limit personal liability

The majority of the questions I receive from business owners involve how to limit personal liability. We live in a sue happy world. There are times when companies deal unfairly with people and filing a lawsuit may be the only recourse to provide a remedy for the injured party and hold the offending party accountable. However, there are also times when a person will initiate … Continue reading How business owners limit personal liability

Garrett T SmithAugust 1, 2018July 26, 2018Leave a comment

Estate Planning

Many attorneys throw the phrase “estate planning” around as if it is a generally understood concept, but many people do not have a clear idea of what it means. Put simply, estate planning means giving what I have to whom I want, the way I want, when I want. I often hear people say, “I just need a simple will.” In some cases that may … Continue reading Estate Planning

Garrett T. Smith, AttorneyJuly 9, 2018July 9, 2018Leave a comment

Valley Glass, Sonny Thompson and Shorty’s Lane

The Thompson Ranch sits at the bottom of 600 West, near 2700 North. Years ago, the lane heading north up to Pleasant View City Building was just dirt. During Shorty Thompson’s daily walks all the way up this dirt lane to pick up his mail and paper, he liked to make wild gestures like throwing his hat up in the air or flipping the birdy … Continue reading Valley Glass, Sonny Thompson and Shorty’s Lane

Ryan SpeltsMay 22, 2018May 17, 2018Leave a comment

Intervivos: Our Partnership with Peace Legal

Intervivos is partnering with Peace Legal to open a new office on Historic 25th Street in Ogden. There will be an open house at the new location on April 13th. I am excited about the partnership because, although Inter Vivos and Peace Legal practice in different areas of the law, both firms have the same goal of providing peace of mind. Inter Vivos focuses on estate … Continue reading Intervivos: Our Partnership with Peace Legal

Ryan SpeltsApril 10, 2018March 31, 2018Leave a comment

Custody matters

With the new year, my wife and I have been talking about different vacations we would like to take in 2018. When I think about traveling, I am always reminded of a story I included in my article in this magazine a few months ago about the importance of assigning guardians for minor children. Because this is such an important aspect of estate planning and … Continue reading Custody matters

Garrett T Smith, AttorneyFebruary 21, 2018February 8, 2018Leave a comment

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