Tag: Investment Planning

Market Update: A Bear Market is Officially Here

Jun 17, 2022

Market Update
Market Update

A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20% below its January 3 record high until Monday. Tech stocks are down a lot more—the Nasdaq Composite is more than 32% below its November 2021 record high. (more…)

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Market Update: Volatility Continues

May 18, 2022

Market Update
Market Update

2022 has been a challenging year for investors so far. The S&P 500 Index just had one of its worst Aprils in decades, and May is off to a rocky start. Bond investors have not fared much better as rising interest rates have pushed down bond prices. Bond losses have made the stock market volatility feel even worse than usual. Markets don’t like uncertainty but it’s getting a healthy dose of it this year, dealing with high inflation, tighter Federal Reserve monetary policy, COVID-19 shutdowns in China, and snarling global supply chains, all while the war in Ukraine continues. (more…)

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Diversification, Patience, and Consistency

May 13, 2022

red sand hourglass on newspaper
Three important factors when it comes to your financial life.

Regardless of how the markets may perform, consider making the following part of your investment philosophy: (more…)

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Solo 401(k)

May 4, 2022

solo 401k clipart man money bag
A retirement investment vehicle designed for small businesses

Do you work for yourself? Then you may want to consider the solo 401(k), which marries a traditional employee retirement savings account to a small-business, profit-sharing plan. To have a solo 401(k), you must either be the lone worker at your business or its only full-time employee.1 (more…)

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The Many Flavors of Fixed Income

Apr 27, 2022

Looking for yield? Treasuries aren’t your only flavor

Treasury bonds aren’t your only flavor in the world of fixed-income investing. Far from it. There are various other vehicles you may want to consider as part of a fixed-income strategy, and some of them offer potentially higher yields than Treasuries. It comes down to how much risk you want to shoulder as a fixed-income investor. (more…)

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Who is Your Trusted Contact?

Apr 11, 2022

contact information
This vital investment account question should be answered sooner rather than late

Investment firms have a new client service requirement. They must now ask you if you would like to provide the name and information of a trusted contact.1

You do not have to supply this information, but it is encouraged. The request is made with your best interest in mind – and to lower the risk of someone crooked attempting to make investment decisions on your behalf.1 (more…)

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Do Your Investments Match Your Risk Tolerance?

Mar 21, 2022

dice risk risky staircase
When was the last time you checked the contents of your portfolio?

From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes – and make sure they still match with your risk tolerance.

At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations. (more…)

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Mutual Fund Distributions

Mar 17, 2022

Capital Gains Tax Sticky Note
Watch your December Statements.

This time of year as you prepare for taxes, you might glance at an documents and see some capital gains taxes you may have overlooked.

Many mutual funds in December pay shareholders capital gains distributions that they have accumulated throughout the year.1

Typically, mutual fund companies start making estimates about distributions as early as November and most finalize the payment by mid-December. Unfortunately for us, this can cause undesirable tax consequences. (more…)

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Managing Money as a Couple

Mar 7, 2022

wedding couple in front of money
What are the keys to prepare to grow wealthy together?

When you marry or simply share a household with someone, your financial life changes—and your approach to managing your money may change as well. The good news is that it is usually not so difficult. (more…)

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The Retirement We Imagine vs the Retirement We Live

Mar 4, 2022

No Work Ahead Retirement Sign
Examining the potential differences between assumption and reality

Financially speaking, retirement might differ from your expectations. Just as few weathercasters can accurately predict a month’s worth of temperatures and storms, few retirees find their financial futures playing out as precisely as they assumed. Because of this, some common financial assumptions (and anxieties) about retirement are worth examining. (more…)

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More Insights

Jul 1, 2022

When you lose a spouse, partner, or parent, the grief can be overwhelming. In the midst of that grief, life goes on. There are arrangements to be made, things to be taken care of – and in recognition of this reality, here is a checklist that you may find useful at such a time. If … Continue reading “Estate Planning Checklist for When a Spouse or Parent Passes”

Jun 29, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current market downturn.

Jun 27, 2022

In a recent study, 35% of married couples described money issues or finances as their primary source of stress. While there are many potential causes of such financial stress, in some cases the root may begin with habits formed early in the marriage. Fortunately, couples may be able to head off many of the problems … Continue reading “Marrying Finances as Newlyweds”

Jun 24, 2022

You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a backdoor Roth IRA grow tax free as long as the owner abides by the Internal Revenue Service (I.R.S.) rules, and withdrawals are federally tax free once you reach age 59½ and have held the Roth … Continue reading “Backdoor Roth IRA”

Jun 22, 2022

“Why is the stock market behaving this way if the economy is doing something different?” Many often wonder about the correlation between them. Ever heard of economic indicators?

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