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
Investment Challenges of the Affluent Investor
Jan 22, 2025
High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply just as equally to them as any other investor, but these investors need to be mindful of issues that typically arise only from substantial wealth.
Let’s examine a few of these.
Tags: charlotte NC, financial advisor, financial advisor charlotte nc, Financial Planning, Investment Planning, Investment Portfolio, Investments, Personal Finance
Market Update – The Correlation Comparison: Years That Resemble 2024
Jan 17, 2025
Outsized returns, record highs on nearly a weekly cadence, and low volatility were three major themes of price action in 2024. The S&P 500 posted a total of 57 record highs, marking the fifth-highest number of new highs in a calendar year since 1950. Furthermore, the CBOE Volatility Index (VIX) averaged only 15.5 on a daily closing basis in 2024, well below its historical average close of 19.5 and ranking as the 12th lowest average annual VIX since 1990.
Tags: Current Events, Investing, Investment Planning
A Decision Not Made is Still a Decision
Jan 15, 2025
Investment inaction is played out in many ways, often silently, invisibly, and with potential consequence to an individual’s future financial security, especially when it comes to retirement planning.
Let’s review some of the forms this takes. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, Investing, Personal Finance
Tax Efficiency in Retirement
Jan 13, 2025
Will you pay higher taxes in retirement? Do you have a 401(k) or a traditional IRA? If so, you will receive income from both after age 73. However, if you have saved and invested much of your life, you may also end up retiring at a higher marginal tax rate than your current one. Tax efficiency in retirement is paramount and many people forget it. In fact, the income alone resulting from a Required Minimum Distribution could push you into a higher tax bracket. (more…)
Tags: Certified Financial Planner Charlotte NC, Investing, retirement, Retirement Planning, Tax Planning, taxes
Market Update – Another Strong Year for Stocks
Jan 10, 2025
Stocks had another very strong year in 2024. In fact, 2024 marked the first time the S&P 500 has enjoyed a +20% gain in back-to-back years since 1997–98. Last year didn’t start out so optimistically though. The list of worries among stock-market bears included high valuations, narrow leadership by the largest technology stocks, rising long-term interest rates, election uncertainty, deficit spending, and more. Stocks rallied through all of that without so much as one 10% correction. (more…)
Tags: 2024 Stock Market, Current Events, Stock Market
What is the 4% Rule for Withdrawals in Retirement?
Jan 8, 2025
Saving for retirement is not easy, but using your retirement savings wisely can be just as challenging. How much of your savings can you withdraw each year? Withdraw too much and you run the risk of running out of money. Withdraw too little and you may miss out on a more comfortable retirement lifestyle.
Tags: Certified Financial Planner Charlotte NC, Investing, Personal Finance, Retirement Planning, Retirement Tax Savings, Wealth Building
Basics of Financial Fitness
Jan 6, 2025
New Years is always a time for fitness resolutions. It’s sometimes best to combine a fitness and a financial wellness goal. Are you financially fit? And if so, how fit are you?
While there is no clearly defined threshold for answering affirmatively, much less grading your level of fitness, there are baseline elements associated with financial fitness. To make sure that you’re on the right track, develop a financial plan that lays out clear goals and timelines. Below are steps to consider to get you started: (more…)
More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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