Rising Rate – Strategies for Handling Bond Risk
Federal Reserve monetary policies can affect the entire fixed-income market, and the prospect of rising interest rates is a major concern for bond investors. Regardless of the rate environment, however, bonds are a mainstay of investors who want to generate income or dampen the effects of stock market volatility on their portfolios. With that in […]
Investment Basics: How Should You Choose the Mid That’s Right for You?
Now that we’ve explored what investing is, the importance of risk tolerance, and the different investment types available to you, we can figure out how to create a mix that fits your goals and personality. There are several resources available to assist in asset allocation, including interactive tools and sample allocation models. Most of these […]
Investment Basics: Types of Investments
In section 2, we explored how investing requires a certain amount of risk tolerance, along with how to consider where you might land on the risk tolerance scale between conservative and aggressive. In this section, we’ll discover the different assets you can invest in, their levels of risk, and introduce the concept of asset allocation. […]
Investment Basics: Risky Business? The Nature of Investing
In section 1, we introduced what investing is, along with why people invest their money rather than save it in cash. In this section, we understand that everyone’s unique, and so are their investing goals, needs, and style. The investment plan that’s right for you depends largely on the level of comfort that you have […]
Investment Basics: Why Invest?
I once had a very conservative client whose family convinced him to speak with me. This was someone who would have hidden all his money under his mattress if he could since he didn’t trust banks and didn’t like the idea of putting his money at risk at all. At that time, putting his money […]
Private Family Foundations
What is a Private Family Foundation in a General Sense? A private family foundation is a legal entity created, funded, and operated by a single family for the primary purpose of making charitable donations. Such foundations are given tax-exempt status due to their charitable mission, meaning that contributions to the foundation from family members are […]
Early, Mid, and Late Retirement: The Guide to Planning and Taxes
If you read our earlier guide on pre-retirement, you know that a lot of thought goes into planning for these later phases before you reach them. Now let’s get into what to expect and how to plan for your early, mid, and late retirement. Early Retirement (Early 60s) During early retirement, your income should […]
Pre-Retirement: A Guide to Planning and Taxes
So you’re ready to retire and enjoy your reward after years of work. Congratulations! The good news is if you’re like many people, you’ve prepared for this moment by funding retirement accounts over your career so you can supplement your Social Security payments. The bad news is taking money from those accounts in distributions is […]
A Guide to Investment Risks and Your Risk Tolerance
Table of Contents In a financial landscape filled with uncertainties, managing risks becomes an indispensable part of building a secure future. This comprehensive guide aims to shed light on different types of investment risks and effective strategies to mitigate them. Whether you’re an investment novice or a seasoned veteran, understanding the subtleties of risk management […]
Concentrated Stock Positions – Considerations and Strategies
A client came to me for advice because they were nervous about a large stock holding they’d recently inherited. This was a savvy client, someone who knew about diversification, and the concentration of so much money in one place was keeping them up at night. I walked them through the options open to them and […]
