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Working Wealthy – A Wish List of Sorts

In the spirit of the holiday season, I thought I’d recap my favorite and most thoughtful Working Wealthy insights  gathered from 2017. I’m fortunate in that each year I get to speak with hundreds of clients, prospects, colleagues and other professionals who often share interesting anecdotes and ideas about how to advance one’s financial independence. […]

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Wealth Watch

Year-End Distributions – What You Need to Know

As Andy Williams said, it’s the most wonderful time of the year. Nope – it’s not the holidays, not egg nog, not Santa…it’s year-end distributions! Throughout the year, we look for ways to avoid taxes on distributions, so the items we plan to discuss are either already done or in progress. But hopefully this should […]

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Top 5 Year-End Tax Planning Tips

As 2017 comes to a close, now is the best time to think about and revisit your 2017 tax plan. Below are 5 year-end planning tips to make sure you are taking advantage of key tax savings opportunities before it’s too late. 1. Year-End Charitable Gifting Are their gifts you are planning to make in […]

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Wealth Watch

Where Did The Volatility Go?

Where did the volatility go? 2017 has been a remarkably smooth ride in the equity market to-date. The VIX, which measures market volatility, has been stubbornly low all year, staying well below the 10-year average of about 17. In fact, the VIX has yet to even hit the 10-year average all year!  What is the […]

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Wealth Watch

Black Monday in Retrospect

October 19, 2017 marked the 30th anniversary of the infamous “Black Monday.” On Monday, October 19, 1987, the Dow Jones Industrial Index (Dow) plunged 508 points, or 22.6%, which was the biggest single day decline in percentage terms in the history of the market. To put it in perspective, that is the equivalent of an over […]

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The “Golden” Medicare Years

Turning age 65 is a monumental time in life. For many it means years of hard work paying off in the form of retirement and entering the “golden years”.  Age 65 is monumental in another way – Medicare eligibility. This is the time when most people will transfer from private health insurance to government insurance. […]

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Wealth Watch

Do Tax Cuts Matter?

Who doesn’t like a tax cut? If personally choosing between more taxes or less, every one of us would vote “less.” So, when the proposed tax reform promises to not only put more dollars in Americans’ pockets but also greatly stimulate the U.S. economy, the knee-jerk reaction is “that sounds great!” But is it? Do […]

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Working Wealthy – Lessons from Backpacking

I recently had the good fortune to go backpacking in the Wasatch National Forest for the first time in my life. While I have been “car camping” and hiking for years, I have never put every necessity into a backpack and headed out into the wilderness to camp. Being a financial planner, naturally I related […]

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Wealth Watch

Public’s Demise, Private’s Rise

The definition of “making it” as an entrepreneur used to be going public.  However, this goal of yesteryear seems no longer valid.  In fact, in an earlier article this year, the Economist talks about the co-founder of Airbnb, Brian Chesky.  When asked if he would list Airbnb on the NYSE, he said “there was no […]

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Top 5 Attributes to Retire Well

Last week I attended a retirement party for John, a long-time client and friend that I cannot seem to forget about. The party was like a back yard wedding you would see in the movies. There was a big white tent, a great live band, and of course, plenty of food and drinks with well […]

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401(K) Must-Do’s

The 401(k) plan has been a long-time cornerstone in the retirement investment portfolio for Americans. At its foundation, it’s an employer sponsored savings plan that allows investors to siphon off a portion of their paycheck, either on a pre-tax or after-tax basis, into a tax-deferred investment account. While this is the most basic construct of […]

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Wealth Watch

Debt Ceiling Dithering

As summer winds down, Washington is again engaging in everyone’s favorite game of “Do we raise the debt ceiling?” Once a non-event with little media coverage, the debt ceiling debate has now become a manufactured crisis of sorts and a veritable political hot potato. While no one is quite sure what the economic implications of […]

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