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Blog: Beyond the Numbers

Coronavirus Sparks Volatility

Coronavirus Sparks Volatility
As is typical in environments of higher volatility, steep selloffs have been somewhat offset by sharp increases. The volatility is likely to continue in the weeks ahead as investors try to sort through the noise, and the medical community along with policymakers try to respond to the situation.

 

Blog: Beyond the Numbers

Wealth Planning Strategies for the SECURE Act

Wealth Planning Strategies for the SECURE Act
The SECURE Act was passed by Congress and signed into law by President Trump in December 2019 as an attachment to the broader government spending package. Based on the number of changes and new rules introduced or modified by this legislation alone, it could be argued this is the most comprehensive change to retirement and wealth planning in decades.

Blog: Beyond the Numbers

The SECURE Act: New Law Impacts Retirement and Estate Planning for Many Americans

The SECURE Act: New Law Impacts Retirement and Estate Planning for Many Americans
The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law in December 2019 as part of a broader government spending package. The law includes many provisions designed to make saving for retirement easier and more accessible. However, other changes related to distributions from retirement accounts may not be as favorable.

Blog: Beyond the Numbers

Bear Markets and the Hidden Danger of "Safe" Investing

Bear Markets and the Hidden Danger of "Safe" Investing
As a banner year for the stock market draws to a close, it’s worth recalling where we were a year ago. After a strong start to 2018, the S&P 500 Index fell 19.9% during the fourth quarter, just barely avoiding an official bear market.

Blog: Beyond the Numbers

The Gift of Planning for the End

The Gift of Planning for the End
Facing the issues associated with aging and dying is not fun for anyone. But we all have to face mortality sooner or later. Don't tarnish your legacy by leaving a mess for those you love. Instead, give the gift of planning for the end.

Blog: Beyond the Numbers

Keeping Uncle Sam in Mind When Allocating Investments

Keeping Uncle Sam in Mind When Allocating Investments
“Location, location, location” is a well-worn axiom keen-eyed investors employ when evaluating a potential real estate purchase. However, “location” can also be applied when thinking about the types of investment accounts that “house” stocks, bonds, and other investments.

Blog: Beyond the Numbers

The Critical but Overlooked Factor in an Early Retirement

The Critical but Overlooked Factor in an Early Retirement

As advisors, we get to talk about how clients can enjoy retirement and still have resources to travel, help with the grandkids’ education, or buy that vacation home in the South. However, we must also include discussion on a critical and often overlooked drain on cash flow – health care costs.

Blog: Beyond the Numbers

Interesting Interest Rates

Interesting Interest Rates
When people talk about investing, bonds typically take a back seat to stocks. Typically the Steady-Eddie asset class, bond interest payments and return of principal never seem quite as exciting as the flashy world of the stock market.

Blog: Beyond the Numbers

Uncle Sam May Change the Rules of Retirement Planning, Again

Uncle Sam May Change the Rules of Retirement Planning, Again
Navigating the shifting terrain of retirement, tax, and estate planning can be a complicated and arduous journey. With so many variables and moving pieces, the landscape is constantly evolving.

Blog: Beyond the Numbers

The Pension Rollover Question: Do I Feel Lucky?

The Pension Rollover Question: Do I Feel Lucky?
Future retirees with pensions facing the big decision of whether to take a monthly payout or a lump sum rollover to an IRA  must consider a number of factors in order to make the most informed decision. 

Blog: Beyond the Numbers

The Substantial Impact of Self Control

The Substantial Impact of Self Control
As we often tell clients, we can’t control interest rates, volatile stock market returns, Fed policy, trade policy, or global economic trends. Because of this we should plan for multiple outcomes. But most importantly, we must control what we can control. 

Blog: Beyond the Numbers

HSAs: The Under-the-Radar Retirement Savings Account

HSAs: The Under-the-Radar Retirement Savings Account
One common example of a reduction to income is traditional IRAs and/or 401(k) contributions. The merits of maximizing contributions to these retirement accounts are well known. But there is another under-the-radar and very effective tax-saving strategy that is often overlooked: the Health Savings Account (HSA). 

Blog: Beyond the Numbers

An Education on College Savings

An Education on College Savings
Because 529 plans are administered by the individual states, the accounts are often held at a different financial institution. As a result, they sometimes become an afterthought.

Blog: Beyond the Numbers

Seeing the Big Picture

Seeing the Big Picture
Some investors struggle to see the big picture. They choose to focus in on the minute details (in this case, year-to-year returns) instead of taking in the broader view. The bigger picture tells the real story, demonstrating the value of diversification across asset classes.

Blog: Beyond the Numbers

Year-End Planning Checklist

Year-End Planning Checklist
Dark mornings, early sunsets and beat-up paper calendars remind us the end of 2018 is rapidly approaching. Alongside these preparations, the change of seasons provides an opportunity to take stock of various aspects of our financial lives.

Blog: Beyond the Numbers

The Capital Gains Conundrum

The Capital Gains Conundrum
As this historic bull market grinds ever-higher, some commonly-used axioms seem apropos to stock investors. “Patience is a virtue.” “Don't miss the forest for the trees.” “Good things come to those who wait.” But the phrase “hindsight is 20/20” also applies.

Blog: Beyond the Numbers

How to Enjoy September

How to Enjoy September
Flipping the calendar to September often seems to engender the feeling of a fresh start. A new school year, a new football season, and (usually) a welcome break from the hot, humid dog days of August.

Blog: Beyond the Numbers

Return on...Sleep?

Return on...Sleep?
As the power of technology grows at a dizzying pace, so does our ability to track, measure, and analyze nearly everything about our lives.

Blog: Beyond the Numbers

Your Wealth: The Number

Your Wealth: The Number
It's safe to say most people have seared into their memory a few important numbers: Social Security number, home address, phone number, kids' birthdays and anniversaries (hopefully). However, one number that is critically important to financial success is underappreciated.