Updated: Potential Resources

By |2020-03-20T20:15:21+00:00March 20th, 2020|Categories: Investment Planning, Single Point of View, Student Loans|

News is moving fast so we wanted to provide a couple of updates to the below (as of 3/20/2020): Taxes: The tax filing deadline has now been moved to July 15th to match the change to the payment deadline that was made earlier this week.  We encourage you to continue to move forward with your tax [...]

Comments Off on Updated: Potential Resources

Elevator Rides

By |2020-02-26T16:22:06+00:00February 26th, 2020|Categories: Investment Planning, Single Point of View|

The Markets take the stairs up and the elevator down. To those of you who have worked with Single Point for years I probably sound like a broken record.  I hope so, that is the point.  We are consistent in our approach to advising you on your investments.  We purposefully talk about the elevator rides [...]

Comments Off on Elevator Rides

RJ’s Commentary January 2020

By |2020-01-08T18:29:10+00:00January 8th, 2020|Categories: Investment Planning, Single Point of View|

You all know we are a financial planning firm, investments are but a piece of your overall planning.  Having said that, once a quarter we do let the investment folks have their time in the sun and allow them to share their thoughts.  Hope you find Rene's quarterly commentary helpful. It has been 5 days [...]

Comments Off on RJ’s Commentary January 2020

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 [...]

Comments Off on Free Trading! Not Quite…

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 [...]

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

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 [...]

Comments Off on 1970s Inflation Redux?

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 [...]

Comments Off on Our Growing National Debt & Your Bonds

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.  [...]

Comments Off on Even With Index Funds, You Need to Know What You Own

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 [...]

Comments Off on Tax Law Changes Impact on Your Stock Options