Preparing for the 2023 Tax Season
The new year is here and tax season is almost upon us. And that brings with it a new tax filing season and trepidation for many about filing their tax return. To help reduce some of that anxiety, here are a few suggestions on how to best prepare to file your return for 2023. Organize […]
Maximizing Returns: How Active Investing in Bonds Triumphs Over Passive Strategies
Welcome to the elaborate world of bond investments, where strategic decisions define future returns. At the core of bond investment strategies lies the iShares Core U.S. Aggregate Bond ETF, commonly referred to as the Agg. This ETF forms the foundation of passive bond investing, mirroring the vast landscape of the US investment grade bond market. […]
ROBS – A Unique Alternative for Starting or Buying a Business
One of the key decisions when starting or buying a new business is how to fund the purchase or start-up. There are a lot of alternative ways to accomplish this task including: Using your own after-tax funds to provide the necessary capital Getting a loan through a traditional bank Applying for a loan through the […]
Should I Put Cash Into a Money Market Fund?
As the Federal Reserve has raised the targeted federal funds rate, money market funds have been gaining attraction from investors. Since the beginning of 2022, interest rates have been on the rise which has resulted in some horrific returns in the bond market. With some money market funds yielding over 5% today, is it a […]
2023 Year End Tax Planning
As with every year, it makes sense to consider income tax planning moves that can help lower your tax bill this year. The general strategy of deferring income into next year and accelerating deductions into this year still makes sense for most people – although the ability of many people to benefit from accelerating deductions […]
Why the S&P 500 May Not Be the Best Benchmark
The goal of any active investment manager is to generate “alpha” for their clients. Alpha is defined as the excess return in relation to a benchmark (aka “beating the market”). Benchmarks are essential in investing because they give the investor a comparison for how their portfolio is doing relative to the market. A vast majority […]
What Are My Options for My Old Employer Retirement Plan?
Have you changed jobs in the past and now find yourself trying to manage multiple employer retirement plans, i.e., 401(k) or 403(b) accounts? If you answered yes, there are a few different options for what you can do with those old employer accounts. You will need to analyze a few factors which should help you […]
Choosing a Retirement Plan for My Small Business
As an employer, you can play a vital role in helping your employees save for their retirement. Most people will need between 70 and 90 percent of their preretirement income to maintain their standard of living in retirement. These days, retirement can be 30 years or longer. By establishing a retirement plan, you can help […]
Pros and Cons of Buying vs. Leasing a Vehicle
With the ever-changing landscape of automobiles, we are seeing more and more questions regarding buying vs leasing vehicles. The answer to the question is not cut and dry, as there are pros and cons to both choices. Each individual must weigh the different options to come to the proper conclusion. In this blog, we will […]
Do I Really Need to Buy Life Insurance?
The answer to this question is probably yes if you are 30 something, are growing your family or have recently bought a house and you really have not addressed your life insurance death benefit since you took your first job!! Insurance, in general, is viewed as somewhat of a necessary evil, so many people avoid […]