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 [...]
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 [...]
We're happy to bring you our quick quarterly markets update video from our CIO, Rene Jarquin. We urge you to please take part in the very important survey below as well!
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 [...]
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 [...]
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 [...]
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. [...]
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 [...]
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 [...]
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% [...]
