Financial, Wealth and Retirement
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Economy and Market

October 1, 2019

Could Private Equity Ownership Soothe the Ups and Downs in Your Retirement Account?

Private equity ownership probably isn’t the first thing that comes to mind when considering ways to even out the ups and downs of your retirement account, especially in a volatile market. There is a lot of confusion and misperceptions surrounding owning private equity. In part because who owns it and why they own it has changed over the years. At ...

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September 23, 2019

Recession Watch And What It Means To Investment Accounts

If you have been watching any financial news over the past few months, you have likely heard the words "possible recession" thrown around quite a bit. This has led to several questions from our clients during reviews and a few calls into our office. As you may know, the past ten years have been very fruitful in the US stock ...

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September 12, 2019

Alternative Retirement Investment Options When Your Income Doesn’t Qualify for a ROTH IRA

The ROTH IRA is a popular way to save money for retirement because it’s one of the only ways that you can invest money today, allow it to grow with interest and the market for an indefinite amount of time, and avoid paying taxes on what you’ve gained. For example, let’s say you invest the maximum $6,000 in a ROTH ...

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August 1, 2019

Protecting Your Business Wealth When the Unimaginable Happens to a Key Employee

When you own a business, you like to think that you’re in control, especially of the things that most affect its value. Fortunately, you do have control over several of them, such as: Access to Capital – Accessing and gaining the necessary capital to improve or expand your operation when needed. Customer Base – Building a solid and diversified customer ...

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July 31, 2019

2nd Quarter Review and Mid-Year Outlook

By Eric Wymore CRPS© The S&P 500 returned 4.3%* during the second quarter of 2019. The year-to-date return of 18.5%, for the first half of the year, is the highest return since 1997. The primary driver for the increase were due to the speculation that the Federal Reserve would cut interest rates as well as an announcement of a tariff ...

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July 31, 2019

Planning Tips

By John Jespersen Financial Planning Focus: Do You Have a High-Deductible Health Plan? Are you contributing to an HSA plan? Are you spending your HSA contributions on medical expenses? Does your HSA provider offer a good array of investment choices? If the answer is yes, then our financial planning conversation must include the topic of Health Savings Accounts (HSAs). As ...

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July 1, 2019

Answering a Key Question on Maximizing Charitable Giving

Giving Tuesday 2018 was a record breaker. Donors made 3.6 million donations, totaling more than $380 million in the U.S. alone. That is up from $274 million raised on Giving Tuesday in 2017. Keep in mind that we’re referring to JUST ONE DAY—Giving Tuesday, which takes place the Tuesday after Thanksgiving. Most of us have a cause that is near ...

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May 31, 2019

Tax Savings for Small Business Owners

For many small business owners, saving money on your income taxes is usually at the top of the list of your top concerns. If you are the owner of a pass-through entity, such as an S Corporation, an LLC, or a Partnership, etc., you may have noticed the nice little tax break that you received in 2018, as most pass-through ...

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April 17, 2019

How Can a Financial Advisor Help Me if I’m 5 to 10 Years Away from Retiring?

Are you in the twilight of your career or feeling like retirement isn’t quite as far off as it used to be? Even though you’re not retiring next week, it’s normal to begin wondering if your ducks are as lined up in a row as they can or should be. Five to ten years out from retiring is a good ...

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April 8, 2019

Financial Planning Perspectives: Benefits of Health Savings Account

By John Jespersen Financial Planning Focus: Benefits of Health Savings Account HSAs provide a triple tax advantage HSAs are more flexible than Flexible Spending Accounts (FSAs) HSAs are a great way to budget for out-of-pocket healthcare expenses Health Savings Accounts (HSAs) are tax-advantaged savings and investment accounts available for those with high-deductible health care plans. Some of the main features ...

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April 8, 2019

Market Insights

By Eric Wymore CRPS© ESG Investing: What does it mean and is it important. The flavor of the month or the future of investing? First let’s start with a high level overview of what ESG investing means. ESG stands for Environmental, Social, and Governance. The Environmental portion takes into account climate change and risks, natural resource scarcity, pollution and deforestation. ...

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April 8, 2019

Quarter in Review

By Jeb Graham CFP® The first quarter of 2019 has come to a close. Following the fourth quarter of 2018, the market was due to bounce back from a rough quarter, and it did exactly that. The major market indexes are all up for year so far and have come close to returning to all time highs. While this is ...

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March 18, 2019

Is Too Much of Your Wealth Tied Up in Your Business?

Three Tips to Help Maximize the Retirement Value You Get Out of Your Company If you are like many small business owners, there is a high probability that a large portion of your net worth is tied up in your business. For many small business owners, this is a good problem to have. Why? It means that your business is ...

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February 18, 2019

Your Gut is Right. Not All Financial Advisors are Alike.

What was your experience the last time you met with a financial advisor? Did you feel like the advisor was doing everything that he or she could to help you meet your financial goals? Did you walk away feeling like you’d had a valuable conversation? Did the advisor feed you cheesy lines or use fear tactics to get you to ...

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January 30, 2019

Financial Planning Perspectives: 10 Important Reminders For The New Year

By John Jespersen 1. Establish New Short and Long-Term Goals Saving for retirement, a new home, car or boat? SMART goals can increase: Specific, Measurable, Achievable, Relevant and Time-Bound. SMART goals increase the odds that you accomplish financial projects and important tasks that can lead to having the happy lifestyle you desire. 2. Re-balance Your Portfolio / Review Investments The ...

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January 30, 2019

Market Insights

By Eric Wymore CRPS© As 2019 is under way, here are a couple of important things to consider: - Back to Back calendar years of market decline are rare. Since 1950 the S&P 500 has had a calendar year decline 18 times. Only twice were those declines over the span of 2 consecutive years. 1973 and 1974 and the 3 ...

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January 30, 2019

Quarter in Review

By Jeb Graham CFP© Here we are, already in the first quarter of 2019. This last quarter and 2018 as a whole proved to be an interesting one. The third quarter of 2018 ended with S&P trading at record highs. As the fourth began, we started on a negative note in October, tried to bounce back in November, and ended ...

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January 16, 2019

For Financial Planners, Having a CFP® Matters

As you take steps to get closer to your dreams, a CERTIFIED FINANCIAL PLANNER™ (CFP) professional can be a key resource in helping you create a sound financial plan to achieve them. Depending on your stage in life, you may be at the peak of your career, saving for your children’s college tuition, saving for retirement, or a combination thereof, ...

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January 16, 2019

Two Ways to Weather Volatile Markets

It is one of those many times in history that volatility has set in on the markets. Some people don’t pay enough attention to financial planning to be aware of it. Some people keep a cool head and take a “wait and see” stance. While, others immediately jump into panic mode. We have always said that one of the reasons ...

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November 12, 2018

3 Simple Steps to Enhance Your Financial Well-being in 2019

Many of us have heard the phrase "Inch by inch it's a cinch, yard by yard, things are hard."  Sometimes thinking about your finances can be overwhelming.  It's easy to get trapped into the thought that you need to overhaul your life in order to succeed.  Our first instinct is to assume that what we are doing now is all wrong, and ...

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October 26, 2018

3 Wealth Building Opportunities That Many Small Business Owners Fail To Capitalize On

If you are like the majority of small business owners, you view selling your business as a large piece of your retirement plan.  While your business probably holds value, you may not know what that value is, how to sell your business, or have a succession partner in place to take over in your absence.

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October 19, 2018

3 Important Red Flags to Look Out For When Picking a Money Manager

I wish that someone would have given me a list of money manager “red flags” when I first got into the business 13 years ago, but it is through various experiences that I have learned a few things to walk away from. If you are working with a top notch financial advisor, they should be giving you access to top ...

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