Asset Geography Pitfalls
Many financial planners will advise that certain asset classes should be held in certain account types, depending on the tax treatment of the asset class in question. For example, often we find planners advocating for fixed income securities to be held within non-taxable accounts like IRAs or Roth IRAs because the interest payments will be shielded from income tax while stocks, particularly non-dividend paying stocks, should be held in taxable brokerage accounts. In theory, this works well, but sometimes real world constraints can present problems with this methodology.
Quarterly Newsletter Q4.2024
To see our quarterly newsletter for Q4 2024, click here
Why Diversify? Part 2
In our last blog post we looked at how adding bonds to a portfolio of stocks can have an outsized impact on the volatility of the portfolio as compared to the reduction in return. What can be less intuitive is that sometimes adding a riskier asset can also have positive impacts on the risk-reward characteristics of a portfolio. Read on for an example.
Why Diversify? Part 1
Adding bonds to a portfolio can have multiple benefits
Stock Returns Are Almost Never Average
Don’t expect average stock market returns
Roth Conversion Considerations
In some circumstances, converting Traditional IRAs to Roth IRAs can help lower overall taxes paid.
What to Know About Target Date Funds
Target Date Funds are a popular option for investors, but not all funds are created equal.
Complications of Income Portfolios
Dividend investing is extremely popular, but should it be? We believe it is overdone.
The Excess Money Protocol
Once your income exceeds your expenses, you have an overwhelming number of options to put your savings. We developed a protocol to direct your savings to maximize your wealth.
Questions To Ask Your Financial Advisor
Whether you already work with an investment advisor or are considering it, here are five questions we think every investor should ask their advisor.
