The bond market is the largest public securities market in the world, and substantially larger than the stock market. When investors allocate assets in their investment portfolios, oftentimes those in higher tax brackets will opt to utilize municipal securities for the added tax benefits. What are municipal bonds? A muni bond, like any other…
In recent years we have seen unprecedented actions by global central banks to influence economic events and create monetary stimulus. Here in the Unites States, the Federal Reserve has held interest rates well below historical norms through both conventional and unconventional methods. There can be a number of unintended consequences with any actions that distort…
Whether or not you should convert to a ROTH IRA, like most financial questions is dependent on the circumstance. First it’s important to distinguish between a contribution and a conversion. A contribution to a ROTH is a not tax-deductible addition from a savings source that is not part of a current retirement plan. This is…
One of the most important issues for small, closely held businesses is that of business continuity. This can be a concern in the face of a variety of obstacles. One of the most important areas of concern is related to a business interruption in the face of a partnership. Creating a new business entity with…
The convertible bond market is practically an asset class all to itself because of the hybrid nature of these instruments. A convertible bond is essentially a bond issued by a corporation that allows holder to convert the bond to stock based on a predetermined formula. This is typically an option and not a requirement. So…
In recent years the mutual fund industry has seen an enormous expansion of alternative investing strategies which have made a variety of investment approaches that had historically been available only to the high net worth investor, available to the general public. There are a whole host of alternative strategies to choose from, each with the…
Albert Einstein was once purported to have said that compounding interest is “The most powerful force in the universe.” While the statement was likely intended to be facetious, it is a powerful force nonetheless. The power of compounding is significant. Compounding is the principle of earning a rate of return on your prior rate of…
Self-employed investors, understand more than anyone, the importance of a return on their investments. Self-employment offers many potential tax benefits, which can be a lure to those who choose to follow that path. While there are various tax benefits through tax deductions, a small-business retirement plan is often overlooked. Maximizing these benefits for those that…
There are significant differences between a traditional Exchange-Traded fund (ETF) and an actively managed Closed-End fund which can be confusing to the average investor. There are certain basic features that one should understand before utilizing these solutions as investment options. The first thing an investor should understand is what an ETF actually is and how…
Retirement is something that can require a great deal of planning. This involves investing, insurance, taxes, pension decisions…etc., and many of these decisions revolve around timing. An individual’s age and/or age of a spouse may play a substantial role in making important decisions. A common question for many pending retiree’s is often, “When can I…
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