We strive to provide the necessary resources for anyone to prepare their own investment plan and meet their financial objectives. We actively encourage the do-it-yourself people of financial planning to subscribe to our newsletter and provide themselves with comprehensive wealth management. For people who don’t want to do it alone, we encourage you to see if we are a good fit for you and get started as a client.
Five Things You Can Control: The Series
on May 20, 2017
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Don Phillips suggests that the best advisors help their clients focus on what can be controlled and not fret about the rest.
Not All Financial Advising Firms Rebalance Client Portfolios
on May 17, 2017
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You would think that rebalancing a client’s portfolio would be standard in the industry. Unfortunately, it is not.
How Your Tax Is Calculated: Understanding the Qualified Dividends and Capital Gains Worksheet
on May 16, 2017
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The 27 lines, because they are so simplified, end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.
Q&A: Can You Be My Executor?
on May 10, 2017
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Sadly, we have to say no. Even though we won’t be your executor, we are still here to help your executor, trustee, and loved ones through the estate maintenance and settlement process.
Five Things You Can Control: Taxes
on May 9, 2017
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A dollar saved on taxes is worth more than an extra dollar of income because the extra dollar of income is in itself taxable.
Asset Location Can Significantly Boost After-Tax Returns
on May 3, 2017
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Exact asset location depends on the percentage of a portfolio held in each of the three types of accounts as well as the percentage of the portfolio which is to be allocated to each selected sector. But the boost in after-tax returns is well worth the effort.
Five Things You Can Control: Investment Costs
on May 2, 2017
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We do not believe that investing should be expensive.
Six Ways To Prevent Your Estate Plan From Ruining Your Roth IRA
on April 26, 2017
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Many executors, trustees, or even estate plans make careless mistakes which end up in Roth IRAs being distributed too quickly. Here’s a list of ways to prevent your estate plan from ruining your Roth.
Five Things You Can Control: Goals-Based Asset Allocation
on April 25, 2017
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An advisor’s job is to recommend the optimum asset allocation regardless of how the client might answer a survey about risk tolerance.
Radio: Tax Planning Season
on April 19, 2017
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When you finish your tax preparation, it is time to begin tax planning.
Five Things You Can Control: Commitment to Saving
on April 18, 2017
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Saving money is not enough. You need to save and invest.
How to Calculate Your RMD: a Uniform, Inherited, and Joint Divisor Calculator
on April 12, 2017
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There are different tables and formulas used to calculate your RMD divisor based on your particular circumstances. Here is a calculator for the three most common.
Five Things You Can Control: Spending Discipline
on April 11, 2017
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“Develop spending discipline. People too often forget that the real enemy of investment is consumption.”
How You Take Your Inherited IRA RMD Is the Exception to the Rule
on April 5, 2017
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Inherited RMD rules demonstrates the power and importance of beneficiary designations and why it is so important to set them.
What is the 5-Year Roth Rule?
on April 4, 2017
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You can’t touch the earnings on your contributions until you’ve had an account open for 5 years and you’re either over age 59 ½ or you meet special exceptions.