What is Step-Up Basis? And What Does It Mean to You?
Do you imagine leaving a significant amount of wealth to your heirs? What about receiving a large inheritance? If either of these circumstances is in your future, you’ll want to understand the step-up in basis and how it could affect what you’re leaving as your legacy or what you’ll receive as the inheritor. […]
5 Tips to Stay Calm During a Market Downturn
Is the economy slowing down? How will rising interest rates impact my finances? Is a recession around the corner? Scroll through any newsfeed and you’ll hear these unsettling questions. And while the headlines can be alarming, we remind our clients of the benefits of staying calm, cool, and collected—keeping their eyes off the headlines and […]
How Market Cycles Can Impact Retirement
Markets go up. Markets go down. But no one can predict when, how, why, or for how long. Ups and downs are par for the investing course, but market cycles can have a greater impact on those nearing or in retirement than those in their accumulation years. That’s because in retirement you simply have less […]
Is the 60/40 Portfolio Allocation too Risky Now?
For over seven decades, the 60/40 portfolio allocation has been the stalwart strategy of retirement planners with a high degree of success until recently. More recently, the tried and true portfolio mix has come under pressure, mounting uncharacteristic losses that may indicate it has lost its luster. What has changed for the 60/40 allocation, and has […]
How Rising Interest Rates Could Impact Your Finances
As expected, the Federal Reserve is holding firm to its policy of hiking short-term rates in an effort to cool inflationary pressures. Generally, these small, incremental rate increases don’t immediately impact consumers. The fed rate is the rate the Treasury charges banks for the use of money overnight. When the Fed raises its short-term rate, […]
Protect Your Inheritance. Enhance Your Life.
Whether it is expected or unforeseen, receiving an inheritance can be life-changing. Regrettably, it’s not always in a good way. That’s because the reality is that many folks struggle to preserve what they’ve inherited in such a way that enhances their life over both the near and long term. In fact, the track record […]
Inflation: Trouble for the Economy?
Of all the fears investors have faced over the past 30 years, high inflation wasn’t among them. In 2021, that’s changed. Today, the biggest questions for investors revolve around inflation: How high will it go and how long will it last? Is it “transitory” as the Federal Reserve claims? Or is elevated inflation the new […]
The World and Investing in 2030
The world in 2030 may seem a long way off, but as investors it’s important to spend some time thinking about the distant future. Imagining life in 2030 is not a hypothetical. In the portfolios we manage, the average holding period is about eight years, so we’re living that approach to investing. So, projecting out […]
Should I Invest in Private Equity?
In recent years, the private equity sector has attracted a lot of attention, especially from high net worth investors asking, “Should I invest in private equity?” These investments are in private, non-publicly traded companies, so many investors in mutual funds and stocks don’t necessarily have access to this sector. Private equity firms you’ve probably heard […]
Why you should be tax-loss harvesting
Tax losses can be constructive when it comes time to add up what you owe Uncle Sam. Especially when you’re in a high tax bracket and especially in years where you have gains that you’d like to offset. Losses need to be realized before the end of the year, December 31, to qualify for that […]