What is an Investment Policy Statement?
Investment Policy Statement: Find out how an investment policy statement can be your blueprint for investment success.
What Happens When You Fail at Market Timing?
It's difficult to predict the best days in the markets, and the cost of missing them can be high. When you try to time the market, you have to be right twice, exiting at the [...]
The Yield Curve Has Flipped – Don’t Let Your Investment Strategy Flip as Well
The Yield Curve Has Flipped, Don’t Let Your Investment Strategy Flip As Well August 2019 What is a yield curve, and why are stock investors interested in its shape? A yield curve gives a snapshot [...]
Timing Isn’t Everything
Does it pay to try and time the markets? Let's take a quick look at the data to find out.
If Your Choices are Beautiful, So Too Will You Be
Born almost 2,000 years ago as a slave in present day Turkey, Epictetus obtained his freedom and became one of the most influential philosophers of all time. Here is one of my favorite teachings of [...]
Why Should You Diversify?
With the recent volatility at the end of 2018, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.
Priority Pyramid for Tax-Savings Vehicles
Most know they need to save money. Whether it is for an emergency, retirement, or some other goal, saving is essential. One of the big decisions in the planning process is what vehicles you should save in. Should you use a traditional 401(k)/IRA or Roth 401(k)? Should you use a 529 plan? What about an HSA? How much should be going in taxable accounts? What other types of accounts should be used?
Controlled Groups & Related Employers
Introduction It is no secret that retirement plans for business owners can be incredibly tax advantageous for the business owners. These large tax savings have pushed the IRS and the Department of Labor to issue [...]
Solo 401(k) – A Powerful Tax Planning Tool
When planned for correctly, the Solo 401(k) doesn't have to just be for retirement. It can be used to help you accomplish your goals throughout your life.
Solo 401(k) – Understanding the Basics
The Solo 401(k), also known as the Individual 401(k), is a powerful retirement and tax planning tool for the self-employed.
Please Don’t Forget to Rebalance Your Portfolio
Please Don't Forget to Rebalance Your Portfolio The act of rebalancing your portfolio is likely the most important aspect of managing your wealth. At its core, rebalancing functions to minimize risk. However, the benefits don’t [...]
Black Swan Theory & Investing
Black Swan Theory & Investing A Black Swan is commonly referred to as an event in history that was, at the time, unprecedented and unexpected. The term originates from the 16th Century knowledge that swans [...]
The Importance of Tax Diversification
In this article, we’re going to talk about a form of diversification that is not mentioned enough, tax diversification. Like stock diversification, the purpose of tax diversification is to reduce your risk and improve efficiency of an investment.
Should You Spend Your HSA Money?
If your health insurance plan qualifies you for a Health Savings Account (HSA), you should have one. In fact, in certain instances, it might make sense to switch to an HSA eligible health insurance plan in order to utilize the benefits of the HSA. When most people use an HSA, they contribute to the HSA & use that money to pay for their medical expenses. While that is certainly advantageous, I want you to consider using the HSA a bit differently if your situation will allow.
What is an HSA?
What is an HSA? A Health Savings Account (HSA) is a financial account that combines a high-deductible health insurance plan with a tax-favored savings account. There are certain qualifications to be eligible to contribute to [...]
Think Twice About Those Target-Date Funds
You've seen them in your 401(k) options. You might even be invested in one now but do you know what they are & how they work? A target-date fund is an investment fund that "targets" [...]