After a series of rapid rate hikes between March 2022 and July 2023—totaling 11 increases and a 5% jump in interest rates—the Federal Reserve paused its tightening cycle for the past six meetings. Now, with inflation showing signs of easing, the Fed is expected to shift its stance, and a rate cut is likely in […]
Fine-Tuning Your Portfolio for a New Interest Rate Cycle Read More »
August Recap and What to Expect in SeptemberAs we transition from summer to fall, much of the financial world’s focus is on the Federal Reserve’s anticipated shift in monetary policy. After maintaining steady interest rates for some time, the conversation is now turning toward when—and by how much—the Fed will begin to reduce rates. While
September Market Commentary: The Finish Line or the Starting Gate? Read More »
Key Issues to Consider When Reviewing Your Estate Plan Estate planning is an essential part of securing your financial legacy and ensuring that your assets are distributed according to your wishes. However, as life changes, so should your estate plan. Regularly reviewing your estate planning documents is key to keeping your plan aligned with your
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Charitable giving is a meaningful way to support causes you care about, and choosing the right method can maximize your impact. Donor-Advised Funds (DAFs) offer a flexible, tax-efficient way to manage charitable contributions, but they may not be the best option for everyone or every situation. This flow chart in my recent post is designed
Is a Donor-Advised Fund Right for Your Charitable Giving? Read More »
How to Manage Investment Volatility and Maximize Your Retirement Income with a Diversified Tax Strategy Managing the ups and downs of your investments is a fundamental principle of smart investing. But beyond just spreading out your assets to reduce risk, have you considered how your retirement income might be impacted by taxes? The way you
Maximizing Retirement Income Read More »
Are your investments truly working for you, or are they just sitting there? Whether you’re saving for retirement, a major purchase, or leaving a legacy for future generations, regular investment reviews are essential. But what should you really be looking at? The comprehensive checklist, “What Issues Should I Consider When Reviewing My Investments?” will help
What Should I Consider When Reviewing My Investments? Read More »
Claiming Social Security benefits is a critical decision that can have long-lasting implications on your financial security. The rules surrounding Social Security can be complex, and even small missteps can lead to reduced benefits, affecting your retirement income. It’s essential to understand these rules thoroughly to make informed choices that align with your financial goals.
Navigating Social Security: Will Your Benefits Be Reduced? Read More »
Should You Form an LLC for Your Real Estate Investment? Investing in rental properties can be a strategic way to achieve your financial goals. Rental properties offer the potential for consistent income, capital appreciation, portfolio diversification, and various tax advantages. However, real estate investing comes with its own set of challenges. You’ll need to carefully
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Deciding whether to contribute to a Roth 401(k) can be complex. Your choice depends on various factors, including your current tax situation, future income expectations, and retirement goals. This flowchart offers a general guide to help you navigate this decision, but it’s important to remember that everyone’s financial situation is unique. The Roth 401(k) option
Should I Contribute to my Roth 401(k)? Read More »