IRA Contribution Deadlines are Approaching
Jan 4, 2021
Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. From current and previous IRA contribution deadlines, to RMD deadlines, keep an eye on the calendar.
April 15, 2021 is the deadline to take your Required Minimum Distribution (RMD) from certain individual retirement accounts.
Keep in mind that withdrawals from traditional, SIMPLE, and SEP-IRAs are taxed as ordinary income, and if taken before age 59½, may be subject to a 10% federal income tax penalty. (more…)
Tags: financial advisor charlotte nc, Financial Planning, Investing, Investment Portfolio, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
A Windfall Inheritance Comes Your Way
Nov 16, 2020
Here’s a windfall scenario for you: You pick up what appears to be a lottery ticket. You check the numbers for a laugh and discover a winning combination, offering you millions of dollars in prize money. What are the chances of that? (more…)
Tags: Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor, Financial Planning, Income Planning, Investing, Investment Planning, Investment Portfolio, Investments, Personal Finance, Spending Habits, Wealth Building
Election 2020: Investing in A Dose of Patience
Oct 26, 2020
The upcoming election is prompting some people to reconsider their investing strategy.
In fact, 45% of consumers with $100,000 or more investable assets expect to make changes to their portfolio due to the upcoming 2020 presidential election. (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, financial advisor charlotte nc, Investing, Investment Portfolio, Investments, Personal Finance
Ouch: September’s Market Correction Hurt
Oct 5, 2020
In theory, investors understand that a stock market correction is just part of the investing process. But experiencing a setback—like the one we’ve witnessed in the past four weeks—can raise a lot of shoulda, woulda, coulda questions. (more…)
Tags: financial advisor charlotte nc, Investing, Investment Portfolio, Personal Finance
What is Earnings Season
Jul 22, 2020
Every few months, you may hear the phrase “we’re entering earnings season” as you read financial news.
But what exactly is “earnings season” and why is it important to Wall Street? (more…)
Tags: financial advisor charlotte nc, Investment Portfolio, Personal Finance
Market Timing and Your Investment Strategy
Jun 29, 2020
Hindsight is 20/20. It’s only human to imagine what it might have been like to turn left instead of right on some fateful day. However, that sort of daydreaming is unhelpful when investing, especially when it leads you to try timing the market. (more…)
Tags: financial advisor, Investing, Investment Planning, Investment Portfolio, Personal Finance
Socially Responsible Investing and You
Jan 31, 2020
SRI (Socially Responsible Investing), Impact Investing, and ESG (Environmental, Social, and Governance) Investing belong to a growing category of investment choices that use traditional investing practices to responsibly impact society.
In the past, these investment strategies were viewed as too restrictive for most investors. But over time, improved evaluative data and competitive returns have pushed these strategies into the mainstream. Even though SRI, ESG investing, and impact investing share many similarities, they differ in some fundamental ways. Read on to learn more.1 (more…)
Tags: Impact Investing, Investing, Investment Portfolio, Legacy
Stocks Gain Tremendously Since 2009
Jan 24, 2020
Where were you on March 9, 2009? Do you remember the headwinds hitting Wall Street stocks then? When the closing bell rang at the New York Stock Exchange that Monday afternoon, it marked the end of another down day for stocks. Just hours earlier, the Wall Street Journal had asked: “How Low Can Stocks Go?”1
The Standard & Poor’s 500 stock index answered that question by sinking to 676.53, even with mergers and acquisitions making headlines. The index was under 700 for the first time since 1996. The Dow Jones Industrial Average tumbled to a closing low of 6,547.05.2
To quote Dickens, “It was the best of times, it was the worst of times.” It was the bottom of the bear market – and it was also the best time, in a generation, to buy stocks.2 (more…)
Tags: financial advisor, Investment Planning, Investment Portfolio, Investments, retirement
Outlook 2020
Jan 3, 2020
Tags: Financial Planning, Investing, Investment Portfolio, Investments
Your Diversified Portfolio vs. the S&P 500
Sep 16, 2019
“Why is my portfolio underperforming the market?”
This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter.
The short answer is that even when Wall Street rallies, international markets and intermediate and long-term bonds may underperform and exert a drag on overall portfolio performance. A little elaboration will help explain things further. (more…)
Tags: financial advisor, Investment Portfolio
More Insights
Apr 22, 2024
Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make dealing with these matters less difficult.
Apr 19, 2024
Ever hear of critical illness insurance? This isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives.
Apr 17, 2024
Following Iran’s missile and drone strikes on Israel over the weekend and the apparent escalation likely in any Israeli response, stocks fell sharply during Monday’s trading session. We examine the latest developments in the Middle East conflict, how stocks have reacted historically to geopolitical events, and the possible impact on markets moving forward.
Apr 15, 2024
Did you buy U.S. Savings Bonds decades ago? Or did your parents or grandparents purchase them for you? If they’re collecting dust in a drawer, you may want to take a look at them to see if any of your bonds have matured. If your bonds have matured, that means they are no longer earning … Continue reading “How US Savings Bonds Work”
Apr 12, 2024
In baseball, three strikes and you’re out. With inflation, a third straight month of hotter-than-expected consumer inflation data nearly ruled out probabilities for a June rate cut yesterday (now less than a 25% chance, according to fed funds futures). The core Consumer Price Index (CPI) rose 0.4% in March, or 3.8% when compared on a … Continue reading “Market Update – Assessing the Prospect for a Pullback”
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