August 4, 2023
There are only 5 things you can do with money. You can use it to: LIVE GIVE GROW OWE (taxes) OWE (debt) When first starting out, money can be a struggle. We’ve all been there. Maybe you’re there right now. Just trying to LIVE can be tough when expenses outpace income. The starting point is […]
August 3, 2023
I’ve been bothered by the headlines lately, but it’s probably just because I’ve been paying too much attention to them. We always seem to be on the brink of the next disaster or world-changing event. I’m especially tuned-in to financial news and research, and it’s much the same there. It’s hard to rest sometimes. In […]
June 12, 2023
The current financial landscape is complex and confusing, and this confusion extends to Christ’s church as well. There is a significant opportunity for improvement within the church in terms of embracing financial principles that align with our faith. Unfortunately, financial discussions often involve unclear language, confusion between financial literacy and financial planning, and constant bombardment […]
June 1, 2023
A “Non-Qualified” Brokerage Account is Good Tax filing season has come and gone. Many of you had taxable accounts with me that went down in value in 2022. It was a rough year for the stock market. The S&P 500 had a return of -19.64% in 2022. Including dividend reinvestment it was still -18.32%. Years […]
September 2, 2022
I’ve been called an optimist so I’m usually pretty good at finding bright spots in painful situations. Recessions are painful situations and I like to avoid pain as a general rule, but sometimes some extra pain can be a good thing! See, I’m doing the optimism thing right now. Recessions may be painful, but are […]
June 17, 2022
We’ve entered the 26th bear market since 1928. All three major market indices are significantly lower than their highs, but just recently the S&P 500 (a major bell-weather for the U.S. stock market as a whole) has plunged more than 20% from its recent all-time high. Stock market drops this large aren’t uncommon and the […]
June 10, 2022
In March and in May the Fed raised rates .25 and .50 bps respectively. After the June 14-15 meeting they are expected to raise rates another .50 bps in an effort to curb the historic inflation numbers we are seeing. Inflation is hurting our economy and the people that make up our economy. The Fed […]
May 27, 2022
There are many credible ways to solve one’s retirement income puzzle, but the right starting point is the one that is aligned with clients’ preference (or the client won’t be comfortable sticking with the strategy, anyway! Alex murgia & Wade Pfau https://www.kitces.com/blog/risa-framework-retirement-income-planning-client-preferences-total-return-strategy-risk-tolerance/ Living off of savings is weirdly different from living off of wages. It […]
April 29, 2022
The IRS says that if you’re not withholding enough taxes throughout the year you have to pay an underpayment penalty. This can even be true if at the end of the year you’re due a refund! Much of the time this isn’t a problem, especially for people who earn a majority of their income through […]
April 22, 2022
What Are Capital Gains? A capital gain is simply any increase in the value of a capital asset (cars, houses, stocks, bonds, mutual funds / exchange traded funds, farm ground, other investment real estate, art, etc.). You’ve probably noticed the increase in home values lately and if you own your home and it’s worth more […]
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