Medicare and Your HSA
Age 65 is often referred to as a benchmark retirement date, yet there are a number of individuals who are reaching Medicare-eligible age 65 and still planning to work beyond this age. Many of these individuals have health insurance coverage…
Size Premium – How it Affects Stock Market Returns
What is “size premium”? The size premium is the extra amount of return that small companies offer versus investing in large companies. In 1992, Eugene Fama and Kenneth French designed a model that explained stock market returns. The model included…
Qualified Charitable Distributions (QCDs) on Your Tax Return
We wrote a blog last year highlighting a charitable gifting strategy that became more attractive for many families under the new tax law. That strategy, known as Qualified Charitable Distributions (QCDs), allows you to make charitable gifts directly from your…
Economic Foresight and Investment Decisions
By admitting to yourself that you have no special advantage, you give yourself an enormous advantage. -Tony Robbins One of the biggest worries for investors is the state of the economy. Changes in employment rates amid the pace of economic…
Medicare – When to Enroll?
For individuals approaching Medicare age, it is important to know that there are two main enrollment periods to sign up for Medicare: initial enrollment (at age 65) and special enrollment. Missing these enrollment periods could be detrimental to you by…
4Q 2018 Quarterly Investment Letter – The Road Ahead
Driving to a warm inviting lodge at the top of a mountain, we have only the beams of our headlights to guide us on a dark and moonless night. We are the only ones on the road. Although it feels…
Asset Class Returns – An Historical Review
2018 has been a tough year for investors. It has also been a unique year, as investors in nearly every asset class have seen negative returns to date. In most years, a diversified investor can look across his or her…
Three Reasons You Might Not Pay the AMT in 2018
With the first tax filing under the Tax Cuts and Job Act right around the corner, there are many changes taxpayers will be seeing in action for the first time. One thing you might not be hearing so much about…
The Window to Gift Is Open
One of the major changes in the 2017 Tax Cuts and Jobs Act was an increase in the estate and gift exemption, which is the amount that one can gift during their life or at death free of taxes. In…
Year-End Tax Planning and Tax Consequences
As we near the end of the year, it is important to review if any transactions you have made throughout the year have tax consequences. It is especially important to see if there is any way to offset tax consequences…
