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Insights



Are You a Smaller, a Baller, or an Aller?

Whether it happens sooner (perhaps as early as next year) or later (but likely no later than 2026), there’s a good chance we’re going to see a significant drop in the federal estate tax exemption amount. And while there’s some uncertainty around exactly when it will happen, one thing that is certain is that if/when it does, substantially more Americans will be subject to this tax. Such potential changes on the horizon mean that one of the best ways to
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Key Questions for Long-Term Investors

Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. Your financial advisor is here to help. While this is not intended to be an exhaustive list, it will hopefully shed light on a few key principles, using data and reasoning, that may help improve investors’ odds of investment
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‘Everything Screams Inflation.’ How to Interpret the Headlines

KEY TAKEAWAYS After last year’s economic shocks, we shouldn’t be surprised to see prices rebounding. But the potential for inflation is one among many factors investors take into account when agreeing on a price at which to trade. A look at headlines from the past 50 years shows the difficulty of timing markets around inflation expectations. Investors may be better served sticking to a long-term plan. How quickly things change. Two years ago, the New York Times reported, “Federal Reserve
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Don’t Let the Perfect Be the Enemy of the Comfortable

One of my favorite Warren Buffett quips reads, “The most important quality for an investor is temperament, not intellect.” Not a greater example of this exists than in the introduction of Morgan Housel’s fabulous book, “The Psychology of Money.” In a nutshell, he describes two individuals. One is a first-generation high school graduate and lifelong janitor and gas station attendant. The other is a Harvard-educated and University of Chicago MBA graduate who was chosen for Crain’s “40 under 40” list
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Who Manages Your Money After Death?

In the simplest situations, after your death, you leave your money outright to your spouse if he or she is living. Then, when your spouse passes, they leave the remaining money to your children. This assumes a straightforward family scenario, perhaps with only one marriage involved. Ideally, everyone is experienced with money management, has happy and stable relationships themselves, and there are no major personal issues to worry about. The ideal and uncomplicated situation is rarely the real family dynamic.
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Should You Invest When the Market Is High?

Concerns about market downturns certainly come as no surprise. After all, steep corrections and crashes can be disconcerting for even the most steely and disciplined investors. What has been surprising to me, however, is the number of inquiries I have received over the years raising concerns about the stock market being “too high” or “overvalued.” These concerns generally manifest themselves in some variation of questions like the following: “Now that the market is so high, should I reduce (or eliminate)
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The Next Normal

A year ago, at the end of March 2020, the S&P 500 was down nearly 20%(1) and the world was scrambling into lockdown. Many experts wrote articles telling us where we would be in a year. I don’t remember reading any that said the S&P 500 Index would be up 56% over the next 12 months. But that’s what happened. I didn’t predict any of that. I never do. Last June, I spoke about the Old Normal and how we
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Think Investing Is a Game? Stop.

It’s easy to view the stories of market speculation that have dominated the news recently as cautionary tales for individual investors. But we can also look at the current moment as an opportunity to welcome a new group of investors to the market: those who have been drawn in by all the high-stakes action, and yet may want a consistent, long-term investment solution that doesn’t keep them up at night. This is probably a good time to mention that investing
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February Planning Action Items

Schedule a time with your Independent CERTIFIED FINANCIAL PLANNER TM to discuss the following 10 key tax planning items: Review your W2 and 1099s. Your 1099s and W2s provide valuable information about your earnings and investing habits. If your salary has increased, have you also increased your savings and investment rates? Apply income/salary to living expenses, and bonuses/stock options proceeds to wealth building goals. Review the tax efficiency of your investment strategy. If your mutual funds made sizable capital gains
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Tesla’s Charge Reveals Weak Points of Indexing

Index additions and deletions are typically a routine affair, but the recent announcement by S&P that Tesla would be added to the widely tracked S&P 500 Index stirred up quite a lot of attention. No surprise, given that Tesla is the largest company to ever join the index and, at the time of its addition on December 18, 2020, became the sixth-largest company in the S&P 500. On news of the announcement on November 16, Tesla’s stock price jumped 8.2%
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