Financial Planning

Time to Refinance Your Mortgage?

Mortgage refinancing is a topic that is coming up in almost every client meeting these days. Mortgage rates are dramatically lower than they were even 6 months ago. Not to mention mid to late 2018, when rates were at 4.5%-5.0% for well-qualified buyers (unfortunately, this was right when my wife and I bought our first home). Continue reading

Reminder: No RMDs This Year

Earlier this summer, the IRS made the announcement that they are waiving Required Minimum Distributions (RMDs) for retirement accounts in 2020. IRS Notice 2020-51 outlines the relief granted to retirement account owners, as part of an extension to the CARES Act. Continue reading

Cash Is Comfortable, But Can Be Counterproductive

With all of the market-moving events of the past few years – from the global pandemic to trade wars and more – it’s understandable that some investors may prefer the safety of cash. After all, a great deal of investing is behavioral and requires being comfortable with a certain level of risk. Portfolios returns are important but so is being able to sleep well at night. Continue reading

The Impact of a Biden or Trump Presidency

I’m not allocating much space to this column to discuss the past six months. I think we might all agree that it will be regarded as one of the most tumultuous periods in history, if not in our lifetimes. Like you, I hope and pray that the next 6 months will be dramatically better than the last, in both financial markets and society in general. Continue reading

The Bumpy Road to Long-Term Averages

In the investing world, we like to use average annualized returns when discussing the long-term performance of a security or portfolio. It’s certainly not a perfect gauge, but it’s pretty much the best we’ve got. Continue reading

How COVID-19 Impacts Medicare Coverage

The outbreak of COVID-19 has created uncertainty across the nation and world over the last several months. The global health concerns surrounding the novel coronavirus have prompted Medicare recipients to wonder how it will impact their coverage. Continue reading

1st Quarter 2020 Newsletter

Enclosed is our 1st Quarter 2020 Newsletter with timely articles on the markets, investing, and financial planning. We hope you find it helpful. Continue reading

Coronavirus Stimulus Package Overview

On Friday, March 27th, the President signed into law a $2.2 trillion-dollar stimulus plan known as the Coronavirus Aid, Relief, and Economic Security Act, or CARES Act. It is the largest stimulus package of its kind and is intended to help combat the economic impact of the COVID-19 virus. Continue reading

DFA’s Perspective on Market Volatility

Check out this video (CLICK HERE) from one of our investment partners, Dimensional Fund Advisors (DFA). It helps to put recent market volatility into perspective. It’s a little long, but worth the time. We hope you find it helpful during these trying times. Continue reading