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Financial Aid 101

Many parents pay for college with a combination of current income, savings and financial aid. By learning the basics of financial aid, you’ll be able to understand how the aid process works and compare the aid awards your child receives.
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Changing Market: Municipal Bonds After Tax Reform

Bond prices and yields have an inverse relationship, so increased demand generally drives bond prices higher and yields lower, and vice versa. Any such changes directly affect the secondary market for bonds and might also influence new-issue bonds.
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3 Things You Should Know About Inherited IRAs

There are three things you should know about inherited IRAs:  (1) it's not really "your" IRA; (2) there are required minimum distributions; (3) Distributions from  inherited IRAs are subject to federal income taxes (with some exceptions).
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Six Keys to More Successful Investing

Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.
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Understanding Risk

In the investment world, risk generally is related to uncertainty.  Every investment carries some degree of risk because its returns are unpredictable. The more volatile an investment is--the more unpredictable its returns--the riskier it is generally considered to be.
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Charitable Giving

Charitable giving can play an important role in many estate plans. Philanthropy cannot only give you great personal satisfaction, it can also give you a current income tax deduction, let you avoid capital gains tax, and reduce the amount of taxes your estate may owe when you die.

Video Seminars

Advanced Estate Planning

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An Introduction to Annuities

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College Planning

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Estate Planning Basics

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Planning for Long-Term Care

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Women and Money

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Your Employer Sponsored Retirement Plan

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Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA and SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Wye Financial & Trust offers access to Trust Services through Shore United Bank. Shore United Bank, Shore Bancshares, Inc. and Wye Financial and Trust are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Shore United Bank deposits and are not FDIC insured. These products are not obligations of Shore United Bank and are not endorsed, recommended, or guaranteed by Shore United Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

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