Creating a Retirement Strategy
Feb 14, 2025
Across the country, people are saving for that “someday” called retirement. Someday, their careers will end. Someday, they may live off their savings or investments, plus Social Security. They know this, but many of them do not know when, or how, it will happen. What is missing is a strategy – and a good strategy might make a great difference.
A retirement strategy directly addresses the “when, why, and how” of retiring. It can even address the “where.” It breaks the whole process of getting ready for retirement into actionable steps. (more…)
Tags: financial advisor charlotte nc, Retirement Planning
Will History Rhyme?” Fixed Income Themes During the First Trump Administration
Feb 12, 2025
Early in the second Trump administration, tariff threats have revived market volatility. Recent Treasury yield curve movements reflect this uncertainty, with markets reacting to both threatened and postponed tariffs against key trading partners. Short-term yields rose as markets pushed back expectations for Federal Reserve (Fed) rate cuts, while long-term yields declined on economic slowdown concerns and potential trade tensions. These yield curve dynamics mirror patterns seen during the first Trump presidency (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, Investing, Investment Portfolio
Wills: The Cornerstone of Your Estate Plan
Feb 10, 2025
If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the most vital. Even if you’re young or your estate is modest, you should always have a legally valid and up-to-date will. This is especially important if you have minor children because, in many states, your will is the only legal way you can name a guardian for them. Although a will doesn’t have to be drafted by an attorney to be valid, seeking an attorney’s help can ensure that your will accomplishes what you intend.Tags: Certified Financial Advisor Charlotte NC, Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor
Market Update – AI Advances and Tariff Tactics
Feb 7, 2025
The new month brings two major market-moving stories to digest. First is the advances in artificial intelligence (AI) by Chinese startup DeepSeek. It has caused some investors to question America’s lead in the AI race and American Exceptionalism more broadly. To answer that question, it’s important to look at this idea holistically. U.S. advantages in research and development spending, capital markets depth, the dollar’s privilege as the global reserve currency, and more suggest U.S. exceptionalism will remain intact. (more…)
Tags: Current Events, Investing, Personal Finance
What Happens When There Are No Beneficiaries
Feb 5, 2025
Some accounts have no designated beneficiary. Rarely, the same thing occurs with insurance policies. This is usually an oversight. In exceptional circumstances, it is a choice. Without beneficiaries what happens to these accounts and policies when the original owner dies? (more…)
Tags: Certified Financial Planner Charlotte NC, Financial Planning, Legacy, retirement, Retirement Planning
Market Update – DeepSeek What Happened and What are Implications?
Feb 3, 2025
What Is DeepSeek?
The buzz around Chinese artificial intelligence (AI) startup DeepSeek began to stir over the weekend, prompting a “sell now ask questions later” attitude across tech shares on Monday. AI has been a major investment theme, but this time the headlines didn’t feature new chips or bold development plans. The AI chatbot utilized publicly available open-source models and, according to DeepSeek, performed on par or slightly surpassed the performance of its much larger U.S. rivals, at a fraction of the cost. The company stated costs to train the model – which skeptics were quick to point out cannot be verified and is likely understated – came in at around $6 million, far less than the hundreds of millions in training costs reported by U.S. hyperscalers.
Tags: Current Events, financial advisor, Investing
Are You Retiring Within the Next 5 Years
Jan 31, 2025
You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way. (more…)
Tags: Certified Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
Making Investment Choices
Jan 29, 2025
Information vs. instinct. When it comes to investment choices, many people believe they have a “knack” for choosing good investments. But what exactly is that “knack” based on? The fact is, the choices we make with our assets can be strongly influenced by factors, many of them emotional, that we may not even be aware of. (more…)
Tags: Investing, Investment Planning, Investment Portfolio, Personal Finance
Cash Flow Management
Jan 27, 2025
You’ve probably heard the saying that “cash is king,” and that truth applies whether you own a business or not. Most discussions of business and personal “financial planning” involve tomorrow’s goals, but those goals may not be realized without attention to cash flow, today.
Management of available cash flow is a key in any kind of financial strategy. Ignore it, and you may inadvertently sabotage your efforts to grow your company or even build personal wealth. (more…)
Tags: Cash Flow, Financial Planning
Tax Planning for Income
Jan 24, 2025
You don’t want to pay more in federal income tax than you have to. As you begin to gather your tax documents for this year, here are five things to consider when it comes to keeping more of your income.Tags: Certified Financial Planner Charlotte NC, Family Wealth, financial advisor charlotte nc, Retirement Tax Savings, Tax Deductions, Tax Planning, taxes
More Insights
Jun 9, 2025
You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card issuers, business creditors, and creditors of others. To insulate your property … Continue reading “Estate Planning – Protecting Your Assets”
Jun 6, 2025
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your … Continue reading “Estimating Your Retirement Income Needs”
Jun 4, 2025
As June begins, markets continue to navigate a complex landscape shaped by trade policy shifts, an uncertain economic and earnings outlook, and bond market headwinds. Several key developments in recent weeks may have implications for markets:
Apr 4, 2025
April showers came a month early as stocks fell in March. Tariffs were the primary cause of the market jitters, although that uncertainty became too much for markets to shrug off once economic data started to weaken.
Apr 2, 2025
A successful investor maximizes gain and minimizes loss. 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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