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‘Tis the Season… To Evaluate Your Investments

As the end of the year approaches, everyone is busy prepping for the holiday season. It’s a celebratory time of the year to enjoy with family and friends. It is also a good time of the year to evaluate your investments to see if there are any changes that you can make to help ease your tax liability come April. Here are some year-end tax-tips to consider*:

Consider tax-loss harvesting. If you have a security in your portfolio that may be at a loss from the original amount purchased, consider selling it to “harvest” the loss. This loss can be…


Roth 401(k) – Is It Right for You?

First, let’s define a Roth 401(k) and how it works. It is an employer-sponsored investment account that is funded with after-tax money up to a contribution limit. The amount you are able to contribute each year is dependent on your age. In 2016, the maximum annual contribution limit for people below age 50 is $18,000. For those over the age of 50, you may contribute up to $24,000 through a “catch-up” contribution. Of course, each employer may establish lower limits, based on their needs and testing requirements. Below are some commonly asked questions about the Roth 401(k).

What’s the difference…


Accounts for College Savings

Opening an account for a child can be more than just a significant financial gesture; it can also serve as a valuable financial learning tool for the beneficiary as he or she grows older. Three types of accounts commonly opened for or on behalf of a child are UGMA Accounts, Coverdell Education Savings Accounts and 529 Plans. They each differ in terms of contribution and participation limits, taxability, control, and investment options. Each one has its advantages and disadvantages to the donor and the child. Below is a brief summary of each.

Uniform Gift of Minors Act (UGMA)

These accounts can be immediately helpful…


Investment Lessons from the Olympics

The 2016 Olympic Games captivate audiences and provide motivating stories of determination and triumph. While watching, I can’t help but relate the Games back to the work we do as financial advisors. In many ways, following a sound long-term financial plan actually has things in common with the Olympics.

Plan Your Strategy

These athletes train relentlessly for years to perfect their sport. It’s a process that takes discipline, planning, fine-tuning and hard work, not dissimilar to following a financial plan. For most of us, the end goal is providing for our family and enjoying a comfortable retirement rather than a…


Investment Impact from the 2016 Election

Leading up to November, ignore the buzz and stay the course.

With the DNC and RNC behind us, the U.S. officially has its Democratic and Republican presidential nominees. Along with these announcements comes a lot of buzz, questions and hesitations that in turn may have an effect on investors. They may grow wary of the markets and begin to fear the repercussions of the election’s outcome, leading to emotional investment decisions. However, there is no need to panic. Here is my advice for those who may be concerned.

Don’t listen to rhetoric: During elections there is a lot of rhetoric tossed…

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