Market Update: A Bear Market is Officially Here
Jun 17, 2022
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…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, Financial Planning, Investing, Investment Planning, Investment Portfolio, Personal Finance, Retirement Planning
The Behavior Gap and Your Financial Health
Jun 8, 2022
“It turns out my job was not to find great investments but to help create great investors,” writes Carl Richards, author of “The Behavior Gap.” From increasing our budget mindfulness to taking a steadier approach to investing, Richards has drawn attention to how our unexamined behaviors and emotions can be to our detriment when it comes to living a happy and financially sound life. In many cases, we make poor financial decisions when experiencing panic or anxiety due to personal or widespread events. 1 (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, financial advisor charlotte nc, Financial Planning, Investing, Investment Portfolio
Solo 401(k)
May 4, 2022
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…)
Tags: financial advisor charlotte nc, Investment Planning, Investment Portfolio, retirement
Mutual Fund Distributions
Mar 17, 2022
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…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Investment Planning, Investment Portfolio, Tax Advantages, tax guide, taxes
Before You Claim Social Security
Mar 2, 2022
Whether you want to leave work at 62, 67, or 72, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first before taking social security. (more…)
Tags: financial advisor charlotte nc, Investment Portfolio, Retirement Planning, social security
Retirement Preparation Mistakes
Jan 31, 2022
Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, some classic financial missteps during retirement preparation.
Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. Yet whether they result from ignorance or fate, we need to be aware of them as we prepare for and enter retirement. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor, Financial Planner Charlotte NC, Financial Planning, Investment Portfolio, retirement, tax guide
Making Investment Choices
Jan 21, 2022
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
Market Update: New Beginnings
Jan 14, 2022
With the New Year comes new beginnings, new goals, new challenges, new friendships, and new opportunities. 2021 was an incredible year for the economy and investors, but to us the future remains bright for 2022 and beyond. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Financial Planning, Investment Portfolio, Personal Finance
Should You Care What the Stock Market Does Each Day?
Jan 5, 2022
Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when so much is just a click or two away. (more…)
Tags: financial advisor, Financial Help, Investing, Investment Planning, Investment Portfolio, Personal Finance
Annual Financial To-Do List
Dec 22, 2021
What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider: (more…)
Tags: Certified Financial Planner Charlotte NC, Financial Planning, Investing, Investment Portfolio, Investments, Personal Finance, Retirement Tax Savings, Tax Planning
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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