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
Unrealized Capital Gains and Losses
Nov 8, 2021
For many investors, it can be tempting to think of one’s portfolio in terms of “capital gains” or “capital losses.” True, this is a central concept to understanding market behavior, but to truly maximize your investing knowledge, you also need to know about “unrealized gains,” “unrealized losses,” and how they can work to your advantage. As always, the following information is not intended as tax or legal advice. Any financial decision should be undertaken in consultation with your financial advisor and is not intended as tax or legal advice. Ready to learn more? Read on. (more…)
Tags: Financial Planner Charlotte NC, Investments
Estate Taxes May Be Amended Soon
Oct 29, 2021
To help raise revenue to pay for President Biden’s Build Back Better Plan, Congress is considering a number of tax law changes, including adjusting estate taxes. (more…)
Tags: Certified Financial Planner Charlotte NC, Current Events, Investment Planning, Investments, Personal Finance, Tax Planning, tax season guide, taxes
Direct Indexing
Aug 11, 2021
“Indexing” is a familiar phrase in investment jargon, and a familiar concept. Money managers structure certain investment vehicles to contain all of the stocks within a particular Wall Street index, such as the Standard & Poor’s 500 stock index. This equity exposure may fit the investment strategy for some investors depending on their risk tolerance, time horizon and goals. (more…)
Tags: financial advisor charlotte nc, Investing, Investment Planning, Investment Portfolio, Investments, Personal Finance
Investment Challenges of the Affluent Investor
Jul 30, 2021
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
The Whims of Wall Street
Apr 19, 2021
It can be exhausting trying to keep up with the whims of Wall Street. Lately, the financial markets have been fixated on federal taxes and what may be proposed on Capitol Hill in the weeks and months ahead. Wall Street’s focus on taxes closely follows its attention on the 10-year Treasury yield. And it wasn’t that long ago that the financial markets were influenced by reopening and vaccine distribution statistics. (more…)
Tags: Investing, Investment Planning, Investment Portfolio, Investments
It’s All About Bonds
Apr 12, 2021
There’s an old Wall Street maxim that says, “markets climb a wall of worry.” And these days, there’s plenty to worry about with the trend in long-term interest rates and bonds. (more…)
Tags: financial advisor charlotte nc, Investments
The Many Forms of Fixed Income
Mar 17, 2021
You want to draw some income while preserving some of your capital. So, you decide to take a look at fixed income investments. A little research shows you that 10-year Treasury notes haven’t yielded more than 2% since July 2019. One-year T-bills haven’t yielded 1% since February 2020. You shrug and think, “Ah, well, low-interest rates, what can you do.”1 (more…)
Tags: Bonds, Fixed income, Investment Planning, Investments, Personal Finance, Treasury Bills
Volatility Tests Your Mettle
Mar 15, 2021
Most people understand that stock prices don’t go straight up. But when market volatility increases, the price action can test the mettle of even the most seasoned investor.
In recent weeks, stock prices have trended lower with a few eye-popping, one-day rallies as the financial markets appear to adjust to higher interest rates on long-term Treasuries. Since the beginning of the year, we’ve seen a jump in the yield of the 10-year treasury. (more…)
Tags: Current Events, financial advisor charlotte nc, Investing, Investment Planning, Investment Portfolio, Investments
The Emergence of ESG Investing
Mar 12, 2021
ESG: what does that acronym stand for? Those three letters stand for “Environmental, Social, and Governance” and signify an investment that has particular merit to investors of all ages.
A recent Morgan Stanley Bank survey found that almost 90% of millennials would prefer to have investments that suit their values. With young adults, ESG investing could become more and more of an element in investing strategies.1 (more…)
Tags: Current Events, Financial Planner Charlotte NC, Impact Investing, Investment Planning, Investment Portfolio, Investments, Legacy
More Insights
Jan 24, 2022
What is a relationship with a financial advisor worth to an investor? A study by Vanguard, one of the world’s largest money managers, attempts to answer that question. Vanguard’s whitepaper concludes that when an investor works with an advisor and receives professional investment advice, they may see a net portfolio return about 3% higher over … Continue reading “Measuring the Value of a Financial Advisor”
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 … Continue reading “Making Investment Choices”
Jan 19, 2022
At some point in our lives, we may inherit a home or another form of real property. In such instances, we need to understand some of the jargon involving inherited real estate. What does “cost basis” mean? What is a “step-up?” What is the home sale tax exclusion, and what kind of tax break does … Continue reading “Explaining the Basis of Inherited Real Estate”
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.
Jan 12, 2022
Families are one of the great joys in life, and part of the love you show to your family is making sure that their basic needs are met. While that’s only to be expected from birth through the high school years, many households are helping their adult children well into their twenties and beyond at … Continue reading “Retirement and Adult Children”
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