Confessions of a Bitcoin Skeptic

By |2021-02-22T18:51:52+00:00February 22nd, 2021|Categories: Investment Planning, Single Point of View|

Rene discusses the recent run-up in Bitcoin and SPPs general view on crypto-currency for our clients. He's spent a lot of time researching and learning about crypto, and the role certain investors see for it in portfolios. We'll continue to monitor the role for our clients with an open and inquisitive mind. [...]

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Mid-Year Job Change – What happens with my HSA?

By |2021-02-12T15:28:40+00:00February 12th, 2021|Categories: Insurance Planning, Single Point of View|Tags: , |

Health Savings Accounts (HSAs) are the (not so new) cool account in town!  It is like a Roth IRA, but for healthcare expenses.  You can open and contribute to an HSA if you are enrolled in an eligible high-deductible health insurance plan.  The amount you can contribute is capped each year, but any contributions grow [...]

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What’s in Santa’s Financial Plan?

By |2020-12-23T20:00:12+00:00December 23rd, 2020|Categories: Behind The Curtain, Family Planning, Single Point of View|Tags: |

Ever wonder how Santa funds his operation?  Does he have any plans to retire?  Does he have to file millions of gift tax returns? In our biggest ever interview on BTC, we sit down with Santa to discuss his financial planning. The kids got a little face time with the big man [...]

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We’re #2! (in MA, sort of) ;)

By |2020-12-16T20:54:00+00:00December 16th, 2020|Categories: Single Point of View|Tags: |

I'm typically skeptical of recognition in our industry.  Mainly because I know the behind the scenes of most of these "Top Advisors Award blah blah blah" we see from some industry publications.   At first glance the criteria for what makes someone a "top advisor" is never very clear.  You'll notice if you dig a [...]

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Be Aware of Capital Gain Distributions

By |2020-12-11T15:07:58+00:00December 11th, 2020|Categories: Investment Planning, Single Point of View, Tax Planning|Tags: , |

Do you own mutual funds in a taxable investment account? If so, you should be aware of year-end Capital Gain Distributions. December (year-end planning season!) truly is the most wonderful time of the year (for nerdy financial planners.) Bottom line (if you don't want to watch the video): you should compare tax cost of holding [...]

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When is the right time to sell my company stock?

By |2020-12-03T20:31:20+00:00December 3rd, 2020|Categories: Behind The Curtain, Investment Planning, Tax Planning|Tags: , |

The "right" time to sell an individual stock is one of the tougher financial decisions we see people struggle with.  This can be especially tricky when it is your company stock and you feel more connected to it.  But as these positions grow (specifically if part of your compensation is via additional stock), a single [...]

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The Election & Your Estate

By |2020-10-22T20:30:54+00:00October 22nd, 2020|Categories: Estate Planning, Single Point of View, Tax Planning|Tags: , |

For part 3 of our series on the impact of the election on your finances, let's tackle the potential impact on estate taxes and the planning you can consider. Right now, the Federal estate exemption is as high as it’s ever been ($11.58MM per person!) with the exception of 2010 where the estate tax was [...]

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Introducing Bob Dockendorff!

By |2020-10-16T18:48:51+00:00October 16th, 2020|Categories: Single Point of View|

Long-time clients of SPP have heard me describe our process of updating our business plan each year.  Our focus for the year ahead always begins with exploring how we can best "improve the advice, service, and overall experience we deliver to our clients".  Our hope has always been that the outcome of this mindset would [...]

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The Election & Your Taxes

By |2020-10-09T20:26:36+00:00October 9th, 2020|Categories: Single Point of View, Tax Planning|Tags: , , |

This week in our continuing series on the impact of the election we tackle income taxes.  If you missed last week on investments you can check it out here. Below is a chart showing the top marginal tax brackets since 1913.  What stands out (beyond the fact that the top marginal tax bracket in the [...]

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How will the outcome of the election impact my finances?

By |2020-10-02T13:23:33+00:00October 2nd, 2020|Categories: Investment Planning, Single Point of View|Tags: , |

Back in July, Rene posted a video answering the question: "Should I change my portfolio before the election?" (if you missed it, you can check it out here: https://spcfo.com/should-i-change-my-portfolio-before-the-election/). Being the data nerd I am, I thought I would add onto his post with a little additional context. The reality is that a change in [...]

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