How Presidential Election Years Affect the Stock Market
Election season is in full force here in the United States, but Tuesday, November 5th, 2024 still feels a long way away. Between election uncertainty and geopolitical events, we shouldn’t be surprised if stock market volatility rises. You may be wondering what to expect from the rest of this presidential election year.
2023 Year-End Letter
Despite numerous risks, the markets climbed “a wall of worry” and reversed much of the losses from 2022. Most of the gains were earned in the last nine weeks of the year.
Who is IRMAA and Why is She Taking My Money?
IRMAA or the Income Related Medicare Adjustment Amount is a Medicare surcharge or tax determined by your two-year prior MAGI (Modified Adjust Gross Income).
Managing Your Debt and Credit Score
Managing your credit card balance and overall credit usage percentage is a critical part of maintaining a good credit score.
Give It Away Now
If you, like so many others, are putting off making your charitable donations until it gets closer to the end of the year, we suggest you start on that right away.
Three Required Distribution Changes You Should Know About
As we enter into the final months of 2023, the deadline to comply with the Required Minimum Distribution (RMD) rules is quickly approaching.
2023 Third Quarterly Letter
We think investors are susceptible to making a couple of mistakes in the current market.
Medicare Checklist for 2023 and Beyond
The Medicare Annual Enrollment Period (AEP) is here. This is the time frame each year when eligible individuals can make changes to their Medicare insurance coverage for the following year.
Minister's Housing Allowance: Benefits and Pitfalls
It’s important for American pastors to understand ministers housing allowance and seek out trusted counsel to make sure they take advantage of this tax benefit.
Check Your Beneficiaries. Now!
Naming beneficiaries is a relatively simple way to direct where your retirement and some other types of accounts will go when you die.
2023 Second Quarterly Letter
The highly anticipated recession of 2023 hasn’t happened yet and there are signs that it won’t happen this year.
How I Survived the College Admissions Process
I have provided a few tips that we learned through the college application and admissions process that may be helpful to you or to someone you know.
In California, Long-Term Care Takes Long-Term Planning
Long-term care insurance can be expensive, and historically premiums have increased significantly over time.
How to Save Taxes…By Paying More Now?
There are quite a few scenarios where intentionally recognizing income in order to pay more taxes now could actually save you taxes in the long run.
Do You Need a Financial Advisor?
We have laid out some factors below to help guide you as you decide whether you should hire someone like us.
2023 First Quarter Letter
Despite the recent demise of Silicon Valley Bank and increased volatility, we are pleased to report that both U.S. and international stocks performed well as the U.S. continued to experience economic growth.
10-Year Rule for Inherited IRA Accounts – A Case Study
We believe there is an opportunity for proactive planning when it comes to RMDs for inherited IRA accounts, so we’ve come up with a case study to show why.