Markets often surge, just when we’re most convinced they never will. When you guess wrong, missing out on even a few of the market’s best days each year can have a significant impact on cumulative returns.
A report on the rising popularity of direct indexing - what it is and how it works, and if might serve as a solution for managing a prudent portfolio.
Six ways a recession resembles a bad mood. For example, they're both difficult to define, best seen in retrospect, and part of life. Although we can't control the world around us, we can control how we react to it. As your advisor, we can assist with that.
Roth accounts offer tax-free growth and tax-free withdrawals. But these benefits can be hard to come by, especially for high earners. Should you consider a tax-free Roth? We’re discussing what you need to know below.
In part 3 of our 3-part series covering concerns about interest rates (part 1), inflation (part 2), and what these influences mean to you we come to the heart of the matter: When interest rates, inflation, or both are on the rise, what’s an investor to do?
History supports an expectation of investment growth, especially for those that can accept periods of uncertainty. Which periods of pronounced uncertainty do you remember? Can you spot the -34% bear market related to the COVID-19 Pandemic?
Tax season is one of the most active times for identity theft and targeted phishing attacks. Here's what you can do to protect yourself.
We can all agree that things are getting more expensive. What to do about it is up for debate. In part 2 of our 3-part series, we will discuss the basics of inflation and some things to consider going forward.
The U.S. Federal Reserve raised its target rate recently, hoping to help our economy keep good time. Will it work? Only time will tell. When even a few cogs get jammed, it can stymie the entire operation. Allow us to explain what the Fed Rate is and what it means to you. Part 1 of a 3-part series.
If you've been reading the daily headlines—watching markets stall, recover, and dip once again, you may be wondering whether there’s anything you can do to avoid the motion sickness. Surprisingly, when it comes to your life savings, "unpredictability" isn’t usually your biggest threat… attempting to avoid it is.
Over the last 50 years, the average "bear market" lasted 11 months and declined more than -30%. But, the average experience is far from typical, as the enclosed image shows.
It is not whether your financial professional is your fiduciary or not - it's how their fiduciary status actually works (and when).
What are your investments really costing you? If you’re not sure, you’re not alone. It’s not like you’re handed a menu of charges to choose from when it’s time to place your order. Let’s fill in some of the blanks.
An illustrated world review of selected capital market results in 2021.
While the common house cat might not be your first pick when thinking of animals to model your financial planning and investment styles after, your favorite furry friend has several qualities that might be beneficial to your finances.
There are three certainties in life: death, taxes, and change. Here is an in-depth review of the tools and techniques we use to reduce one of those certainties: your lifetime tax bill (or beyond, through a tax-efficient transfer to heirs).
Here are six of the best year-end practices that we're sharing with clients.
Simply staying invested helps outpace the impact of inflation over the long term.
Surprised to receive a Medicare IRMAA letter from the Social Security Administration? You're not alone! Beware that certain levels of income can increase your Medicare premium(s) by 47%, 119%, 190%, 262%, or 286%.
A summary of recent tax legislation, much of which was expected to be enacted in 2021, before stalling in Congress. While the final language remains uncertain, many of the proposals could become law. Ask us to show you your potential impacts in a personalized "what if" proposal.