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Bitcoin, NFTs and Other “Hot” Investments – Is the Time Right?
In my 35 years as a financial planner, I have seen a multitude of so-called “can’t miss” investments come and go. I’ll get the call about my thoughts on a certain investment and whether the client should buy in or not. Often, it is fear of missing out or “FOMO” that drives these questions, but…
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Are Tax and Retirement Law Changes on the Horizon?
With a new President and Congress in place, and the COVID pandemic appearing to finally wind down, attention is now being focused on new tax legislation. The financial media has been pushing a narrative that major tax increases are on the horizon, and this is causing unnecessary concern among our clients. To start, the tax…
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For Your Financial Plan- Be Like Gumby
When it comes to financial planning, being flexible is the key to long term success. Whether you are a pre-retiree or recently retired, you are potentially facing a 25-to-35-year retirement. With the current trend of increasing longevity, you could spend more time in retirement than you did working. So, what does this have to do…
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What’s New in Tax for 2021
As we ring in a new year, we want to remind you of some tax law changes for 2021. While there were several significant pieces of tax legislation last year (primarily because of the COVID pandemic), much of those rules expired at the end of 2020. Here is a brief list of what to…
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Cookie Cutter Financial Planning? – Not US
There are a lot of firms these days that say they do financial planning. They call themselves wealth managers, investment advisors, financial advisors or financial planners. You see their commercials on TV and their ads on the internet and in magazines. Typically, the ad shows a couple walking on the beach or sitting in hammocks…
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Using Roth IRAs for College? – Maybe
In the world of financial planning, retirement and college planning are often separate and possibly competing goals. For most advisors, the common wisdom is that you use retirement plans like your 401(k) and IRA for retirement goals, you fund college goals with 529 college savings plans and their paths should not cross. However, this isn’t…
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Hot Off the Press – Important Tax Numbers for 2021
As 2020 winds down, we start to look towards planning for 2021. Hopefully, next year will be a little more normal and the COVID pandemic will start to ease and the economy can recover. While we do not know how 2021 will unfold, we do know what some of the tax thresholds will be, as…
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