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Investments

Why Invest in Stocks? by Shane Phillips, CFA, CAIA, CFP ®

Posted April 11, 2024

The decision to invest in stocks is one that individuals must take the time to consider carefully, weighing the risks and rewards in the context of their unique facts and circumstances. In general, stocks carry far greater risks than other investments, such as bonds and cash. Investors must contend with market volatility based on economic […]

7 Smart Money Moves to Maximize Year-End Bonuses by Kathleen Marteney, CRPC

Posted February 20, 2024

If you received a year-end bonus, congratulations! As gratifying as it may be to splurge on something you can enjoy immediately, you may want to take a few moments to consider how you can maximize those dollars for the long term. Following are seven smart money moves to help you use a windfall of money […]

Active or Passive? Is there a correct answer? By Shane Phillips, CFA, CAIA, CFP®

Posted February 15, 2024

Ever since the creation of the first investable index fund in 1975, investors have debated whether it is better to invest in actively or passively managed investments. Is one superior to the other? Not necessarily. Should you utilize one over the other? Probably not. With passively managed investments, your money is automatically put into securities […]

What is Private Placement Life Insurance, and How Can it Help High-Net-Worth Investors Maximize Tax Efficiency? By Eric P. Zeitlin

Posted January 24, 2024

The more wealth a family acquires, the more tools they need to preserve those assets for future generations and protect them from the long arms of tax agencies in the U.S. and abroad. One such tool earning the attention of family offices and ultra-high-net-worth individuals worldwide is private placement life insurance (PPLI). In the simplest […]

What is Tax-Loss Harvesting? By Todd A. Moll, CFP®, CFA

Posted December 19, 2023

While investors welcome market gains, they should not overlook the substantial tax liabilities their positive performing investments may incur when the time comes to sell. Generally, investors are subject to capital gains tax as high as 37 percent when they sell non-retirement investments, real estate or other appreciating assets. However, it is possible for investors […]

Diversification can be Key in a Rising Interest Rate Environment By Todd A. Moll, CFP®, CFA

Posted November 21, 2023

Following 11 consecutive interest rate hikes, the Federal Reserve Bank held interest rates steady at a range of 5.25 percent to 5.50 percent in September 2023. For some investors, rising interest rates may present market opportunities and a potential increase in income; for others, a watchful eye may be needed. A key investing strategy to consider […]

Financial Advisors May Help Investors Achieve Tax Alpha By Joseph Karl, CFA

Posted October 17, 2023

It’s no secret that taxes can take one of the biggest bites out of your investment returns. Consequently, it’s important to thoroughly analyze the short- and long-term tax implications of your investment decisions with an eye toward achieving tax alpha, or the added value that comes from implementing strategies that effectively reduce tax burdens on […]

What is a Financial Plan? By Lee F. Hediger

Posted September 13, 2023

A financial plan is a written document that lays out your future financial, business and lifestyle goals and maps out comprehensive strategies for achieving them. Contrary to popular belief, financial planning is not just for the wealthy. Instead, it is a critical planning tool that can help individuals at all income levels make informed financial […]

Families Without Children Need Estate Planning Too by Brendan T. Hayes

Posted August 30, 2023

The once idealized picture-perfect family of two parents and two-and-a-half children has faded as a growing number of married couples choose to live child-free. According to the U.S. Census Bureau, the number of married couples without children has doubled over the past 45 years and is expected to continue on an upward trend.  Despite the absence […]

Don’t Forget Taxes on Social Security Benefits in Retirement By Lee F. Hediger

Posted August 1, 2023

Too often, individuals planning for their golden years forget to consider the federal taxes they will need to pay on their Social Security benefits. Unfortunately, these oversights can take a considerable bite out of one’s expected income in retirement. Generally, if the income you rely on in retirement comes from sources other than Social Security, […]

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