As the calendar turns to the new year, things rarely stay the same, and that applies to financial planning, as tax laws and retirement plan changes evolve. This year there will be some impactful retirement plan changes from the Secure Act 2.0, which was passed in late 2022. Also, there are increased limits and thresholds…
Most investors have heard of market indices such as the S&P 500 or the Dow Jones Industrials, but not all know exactly what that means. Market indices can be constructed differently. But in the case of the S&P 500 index it is a mathematical formula of the top 500 public companies in the United States…
It’s not uncommon to hear many young people suggest that home ownership is now unaffordable compared to generations past. In some of the more expensive areas of the country, this may very well be true. What about those that can afford a home, is it even worth it? One of the reasons for home…
A common theme of concern among investors that most financial planners will hear just before a client is about to retire, or possibly already retired is that “I don’t have time to recover from a big market downturn”. The assumption is that you’re too far along in your life to be able to hold your…
The democratic process of electing our leaders is fundamental to our republic of representative government. But how much do elections matter? Well, that depends on what you are asking the question about. Elections certainly matter in terms of policy changes that can impact international relations, social policy, regulatory policy, as well as economic policy. However,…
One of the more common estate planning mistakes we have seen over the years is the use of a trust as a beneficiary of an IRA account. This is not to say that such a strategy never makes sense. However, it rarely does make sense for most investors. A trust can serve several purposes…
The home purchase is one of the biggest investments the average American will make. Real estate can be expensive and comes with carrying costs to maintain a property. However, many real estate investors over the years have invested in secondary properties for either personal use, such as a vacation home, or solely as an investment…
In the decade ending in 2021, the Russell Growth 1000 Index doubled the performance of the Russell 1000 Value Index. That partially reversed in 2022 when the Russell Value outperformed the Russell Growth by 22%. Then in 2023, the Russell Growth index once again outperformed the Russell Value Index by 23%, negating the outperformance of…
After many years of confusion, the IRS has finally clarified the rules around Inherited IRA’s. Under the old rules when a non-spouse inherited an IRA, the beneficiary was required to take a distribution every year based upon their life expectancy. As a result of the SECURE ACT 1.0, which took effect in 2020, several rules…
Fixed income as an asset class should always be a fixture to some extent in any well-constructed asset allocation strategy. However, investing in fixed income is not without its own risks. Bonds can pose various risks. Among them are: Credit Risk – The risk of the issuer defaulting. Interest Rate Risk – The risk of…
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