Investment Planning

/Investment Planning

Free Trading! Not Quite…

By |2019-10-15T13:47:46+00:00October 15th, 2019|Categories: Investment Planning, Single Point of View|

This quarter RJ addresses the recent announcements from three major custodians (Schwab, TD, & Fidelity) that they are lowering their trading costs to $0.  You know nothing is free, so RJ shines a light on how custodians really make money and our focus on the all-in costs to our clients when helping you choose who [...]

Portfolio-based Credit – The good, the bad and the ugly

By |2019-05-25T12:17:36+00:00November 7th, 2018|Categories: Investment Planning, Lending, Single Point of View|

Groucho Marx famously said…  “I would never want to join a club that would have me as its member” Similarly, banks love nothing more than to lend to borrowers who have no need to borrow. And the high-net-worth clients of banks’ brokerage or wealth management units are an obvious object of their affection:  the portfolios they [...]

1970s Inflation Redux?

By |2018-10-05T20:01:57+00:00October 5th, 2018|Categories: Investment Planning, Single Point of View|Tags: |

Should we fear a replay of the 1970’s High-Inflation era? Today’s jobs report points to an unemployment rate of 3.7% - the lowest since 1969, the year when the worst outbreak of inflation began to be felt.  From 1969 to 1982 inflation spiked to 7.3% annually and wrecked stock and bond returns – which were negative [...]

Our Growing National Debt & Your Bonds

By |2018-09-04T18:14:06+00:00September 4th, 2018|Categories: Investment Planning, Single Point of View|Tags: |

A significant portion of our client’s portfolios are invested in the US Bond market, so I wanted to put the current Federal debt picture in the appropriate perspective.  The punch line is that we are not on the cusp of The Financial Apocalypse as some pundits will have you believe.  With the help of our Bentley [...]

Even With Index Funds, You Need to Know What You Own

By |2018-06-19T19:53:52+00:00June 19th, 2018|Categories: Investment Planning, Single Point of View|Tags: |

At Single Point we believe that index-tracking funds offer the best outcomes over high-cost stock-picking funds. As the number of trackable indexes has grown over the years – especially beyond the core Large Cap S&P500 Index - we spend a great deal of time identifying the best index to track the complimentary or ‘satellite’ asset classes.  [...]

Tax Law Changes Impact on Your Stock Options

By |2018-06-12T21:15:21+00:00May 1st, 2018|Categories: Investment Planning, Single Point of View, Tax Planning|Tags: , , |

Four months into 2018 and many are still digesting the changes to the tax code resulting from the Tax Cuts & Jobs Act (TCJA).  To date, there’s been a lot of buzz about the impact on business owners and the limit of state and local tax deductions.  However, the bill also has major implications for [...]

Stock Markets & Tax Information

By |2016-01-26T18:54:00+00:00January 26th, 2016|Categories: Investment Planning|Tags: |

  This was an email we sent to our clients last week that we wanted to share on our blog.To state the obvious, it has been a difficult start to the year for global stock markets.  I don’t want to add to the noise you hear on TV or read about.  As you know, predictions on [...]

DEADLINE: Switching from a SIMPLE IRA plan to a 401k

By |2015-10-01T01:57:00+00:00October 1st, 2015|Categories: Investment Planning|Tags: |

So here are the numbers for 2015: If a company currently has a SIMPLE IRA plan, the employee can defer up to $12,500/yr., plus an additional $3,000 if they are over age 50. The employer can choose to make a 2% non-elective contribution (more about this at the IRS website ) or match employee contributions, up to 3% [...]

Investment Update

By |2015-07-15T13:58:00+00:00July 15th, 2015|Categories: Investment Planning|Tags: |

The impact of our behavior on financial decisions is something that is getting more and more needed attention in the financial planning industry.  As volatility has picked up in the investment markets in recent days we thought it was a good time to re-address the philosophy we implement.   As we stated in a previous post,borrowing [...]