Blog
What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Planning for Your Vacation Home
Acquiring a vacation or second home involves a strategic approach to ensure that the investment aligns with your overall financial goals. Here are key considerations and insights to guide your decision-making process:
Read MoreTechnology Guide for Dementia Patients and Their Caregivers
If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....
Read More10 Financial Missteps to Avoid During a Divorce
Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....
Read MorePreparing for the Tax Cuts and Jobs Act Sunset at the End of 2025
While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...
Read MoreThe Impact of SECURE 2.0 in 2024 and Beyond
SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...
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A Year-End Financial Checklist
Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...
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Inflation and Rates - Why rates may not go down anytime soon.
The Fed is just getting started taking away the punch bowl and if demand can't keep pace with the supply of new bonds coming into the market, rates will likely not come down anytime soon.
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Long-term Care - an overview
An overview of Long-Term Care - A Growing Essential Need
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My Family's Journey with Long-Term Care
In my experience, the cost of long-term care is the single biggest risk to most people in retirement.
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Protect Yourself and Your Money
We all get dozens of emails and calls each day from less than reputable sources. Lately, because of an uptick in activity, I've been increasingly worried about potential scams my clients may fall victim to.
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Did We Just Drive Onto the Shoulder?
Bank Failures - Did We Just Drive Onto the Shoulder! In Feb of 2022 I wrote on this blog: Sprinkle in a little pent-up demand from the pandemic, and voila, prices go up. The only question is - will the Fed run the economy into the ditch!
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Is the Bear Market Over?
That's a question I've been asked a number of times in recent weeks. And my answer is the same, "Let's give it a little time."
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Waiting for a Hurricane
Last year at this time it was pretty clear interest rates were going higher, but how fast, and would it cause a recession. Things are a bit clearer now, but when (and if) we’ll enter a recession is still unclear.
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Recession - Yes, No, or Maybe
Until recently I thought we might avoid a recession. Federal Reserve Chairman Powell changed my mind.
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Distribution Option #2 - Taking your stock as a certificate (in-kind) and holding outside of an IRA
Probably the most underused of the 4 distribution options by Publix Associates, but when properly understood and implemented, can result in significant tax savings.
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Your 4 Publix Retirement Distributions Options - Option 1
Hey Publix Associates! Are you approaching retirement and trying to understand the different distribution options you have with your Publix Profit and 401(k) Smart Plan? In this article, I’m going to go deep into what I call Option #1.
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Clear and Opaque
In the 23 years I’ve been an advisor, I don’t think I’ve ever seen a time when the direction of the economy and the markets were so clear, and at the same time, so opaque.
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2022 A Year In Review
It’s been said “the more things change, the more they stay the same”. 2021 is in the rear-view mirror and it’s 2022, but many of the things that seemed a bit out of alignment last year still are.
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The Democrat Tax Bill and The Hauser Law
In the next few months, the drumbeat to raise taxes will continue to get louder. The Biden Administration is seeking a 3.5 trillion dollar increase in Federal income and corporate taxes to help bolster its policy agenda. There has been...
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Roller-Coaster Week in Washington
Debates over government debt, taxes, and infrastructure have captured the attention of the nation this week. All eyes are on Washington and Wall Street as these events play out, with potentially far-reaching consequences that seem to...
Read MoreRoth IRA Benefits for the Affluent
In my last article, I wrote about how billionaire Peter Theil turned an initial $2,000 contribution to his Roth IRA into $5 billion (available to him tax free), and how most Americans can take advantage of this type of arrangement if...
Read MoreWhat We Can Learn from Peter Theil's Roth IRA
Taxes on the Seed or the Crop? What we can learn from Peter Theil’s Roth IRA A story recently hit the news that surprised even me. It was reported by ProPublica, that an investor has amassed over $5 billion in type of retirement...
Read MoreWhat a Difference a Year Makes
What a Difference a Year Makes With the economy and markets clearly recovering, it’s seems clear we’re on the other side of this pandemic. I wrote an article last year on April 8th at a time when things were much less...
Read More2020 - An Incredibly Strange Year In Review
I’m writing this on the early afternoon of January 6, 2021, as the “alternate reality” of U.S. politics and the rise in markets continues. Right now, our Congress is debating whether to accept the votes of the...
Read MoreAre We Really Recovering
Are we really recovering? We just experienced the sharpest quarterly economic decline in U.S. history. Will we get the bounce we need in Q3?
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Weekly Market Insights: Powell Somber on Recovery
Stocks drifted lower last week, weighed down by Federal Reserve Chairman Jerome Powell’s unsettling comments on the economy and signs of renewed tensions with China.The Dow Jones Industrial Average fell 2.65%, while the Standard...
Read MoreCOVID - 19
COVID 19 In mid-January, I began to see tweets from people in my business related to a Corona Virus outbreak in Wuhan China. Most of them came from a hedge fund manager who, in 2006, saw the housing and credit crisis coming and made...
Read MoreLPL Market Commentary - Time for a Pause?
LPL Financial Research - Time for a Pause?
Read MoreWhy did Publix change the 401(k) Smart Plan?
As you’re probably already aware, Publix recently announced a significant change to your 401(k) Smart Plan. The company has decided to only allow you to invest up to 25% of your contributions into Publix stock. Until now,...
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Crossover Points
My last column on the new SECURE Act was quite detailed and a little “wonky” so I thought I’d write something less academic that was brought about by a recent event and has had a profound effect on me and my career....
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SECURE Act
When I became a financial advisor in 1999, the amount of assets you could pass on to your heirs without paying federal estate taxes was $650,000 per individual. Today it is $11.4 million. As a result, there are fewer estates subject to...
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