2018 End-of-the-Year Money Moves .

Here are some things you might want to do before saying goodbye to 2018.  What has changed for you in 2018? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want to review your finances before this … Read More

Debunking a Few Popular Retirement Myths

It seems high time to dispel some of these misconceptions. Generalizations about money and retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. 1) “When I’m retired, I won’t really have to invest anymore.” Society still sees retirement as an end instead of a beginning – a finish … Read More

Q3 Economic Update

In this Q3 recap: stocks climb, U.S. economic indicators shine, yearly inflation decreases slightly, and a trade war gets underway. The Quarter in Brief The third quarter of 2018 shall be remembered as a great one for stocks. The Dow Industrials, Nasdaq Composite, and S&P 500 all rose more than 7% in three months as bullish investors maintained their confidence … Read More

Understanding Real Estate Taxes

How to Reduce Capital Gains Tax on Your Primary Residence Qualified homeowners can exclude from their taxable income up to $500,000 in capital gains using IRS Section 121 Exclusion. Qualifying for the Exclusion: Your home must be used as a primary residence for at least 24 months out of the last 60 months before you sell it (two out of … Read More

Q2 2018 Financial Market Update

The Quarter in Brief At the end of 2018, economists and journalists may look back on the second quarter and see the moment when a global trade war began. Whether one is truly underway or not, the fact is that Q2 was a good quarter for equities. The S&P 500 gained 2.93% in three months, and while the blue chips … Read More

1031 Exchanges: The What, Why, When, & How

Real estate investors trying to defer taxes may want to explore like-kind exchanges. What exactly is a 1031 exchange? For some real estate investors, it may be a nice answer to a dilemma involving an income property. A properly executed 1031 exchange lets an investor sell one property and buy a similar one while deferring capital gains taxes. Also called … Read More

The A, B, C, & D of Medicare

Breaking down the basics & what each part covers. Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover and where they come from. Parts A & B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is hospital … Read More

Sailing with the Tides: Planning Your Investment Journey

Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there will be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised. A mistake many inexperienced sailors make is not having a plan at all. They embark without a clear sense … Read More

Q1 2018 Financial Market Update

The Quarter in Brief Stocks rallied in January, corrected in February, and slumped in March as volatility and economic policy changes took some of the enthusiasm out of the market. The Trump administration announced tariffs on foreign steel, aluminum, and assorted products from China; China soon said that it would reciprocate with excise taxes of its own. The Federal Reserve … Read More