Category: Wealth Management

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    How to Use a Trust as a Financial Planning Tool

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    How to Use a Trust as a Financial Planning Tool

    Clients frequently ask whether they should leave their assets in a trust. It depends. Of course, if your net worth exceeds $11 million, putting your assets in specific types of trusts can be helpful for federal estate tax issues. However, for most Americans, federal estate taxes will not be …

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    How to Plan For College and Keep Expenses Down in the Age of the Student Debt Crisis

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    How to Plan For College and Keep Expenses Down in the Age of the Student Debt Crisis

    For most students, experts say it remains financially worth it to go to college, despite rising tuition and opportunity costs in relation to increasing wages for workers holding only a high school diploma. The average rate of return (net gain or loss on college investment across a career) is 14%. 

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    In the SECURE Act Era, You’ll Need a New Retirement Strategy. Roth Conversions Could Be It.

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    In the SECURE Act Era, You’ll Need a New Retirement Strategy. Roth Conversions Could Be It.

    But when the SECURE Act goes into effect – expected on Jan. 1, 2020 – beneficiaries will have to fully distribute taxable accounts within 10 years of the account holder’s death. That could push your loved ones into a higher tax bracket.

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    Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

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    Yes, Social Security Income Is Taxable – But Yours Doesn’t Have To Be

    As you move toward retirement, you can’t be content just to accumulate assets. You need to develop a retirement income plan that can help guide you when it comes time to turn savings into sustainable retirement income.

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    How to Think Three-Dimensionally About the Rent or Lease or Buy Question

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    How to Think Three-Dimensionally About the Rent or Lease or Buy Question

    There’s more to this central question – rent/lease versus buy – than simply the numbers in your bank account. What you don’t spend in cash, you may spend in time and energy; what you save in this market you may pay for a year from now when the market is depressed.

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    What Is the Yield Curve and What Does It Tell Us?

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    What Is the Yield Curve and What Does It Tell Us?

    If you’ve paid attention to market prognostications over the last year, you’ve likely heard the term “yield curve.” The yield curve has become the center of attention for explaining the economy and markets, which is why our financial advisors always seem to be answering one question: What i …

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    Compounding Wealth (and Wisdom)

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    Compounding Wealth (and Wisdom)

    No single strategy works forever, but you also don’t want to change your approach every time the markets shift slightly. How does investing work – not just for a season or a year or two, but for a lifetime? Time is a major factor when it comes to successful investing.

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    4 Moves You Can Make with Your Old 401(k)

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    4 Moves You Can Make with Your Old 401(k)

    Whether you’ve taken the next step in your career, left behind a company that wasn’t a good fit for you or the company decided it was time to part ways, you should be prepared to manage your 401(k). Changing careers is an emotional move – there’s excitement for the new opportunity

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    Politics and the Markets: How to Invest in Politically Challenging Times

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    Politics and the Markets: How to Invest in Politically Challenging Times

    When presenting to individual investors, what I worry about the most is offending an audience member’s political views, especially when there’s a Q&A to follow. As our political discussions grow more contentious, it’s more challenging to avoid stepping on toes.

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    Should you invest in a Roth or Traditional IRA?

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    Should you invest in a Roth or Traditional IRA?

    Multiple retirement savings vehicles are available but having options can be overwhelming. Each option comes with different rules leading to a variance of outcomes in the short-term and long-term. It’s not that dissimilar to choosing what to eat.

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