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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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Beware of the Payroll Tax Deferral

By |2020-09-11T21:44:42+00:00September 11th, 2020|Categories: Cash Flow, Single Point of View, Tax Planning|Tags: , , |

You are going to want to pay close attention to your paycheck over the next couple of months.  If you happen to see some extra $$$ in it, don't get too excited and certainly don't spend it all too quickly. So, what is this all about? President Trump has issued an executive order allowing employers [...]

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Saving for “retirement” in your 30s & 40s?

By |2020-09-04T18:18:59+00:00September 4th, 2020|Categories: Behind The Curtain, Cash Flow, Retirement Planning, Single Point of View|Tags: , , |

Am I saving enough for "retirement"?  How do we think about saving in general and balancing saving for shorter term goals as well?  In this installment of Behind The Curtain, Seth and I discuss a framework for thinking about savings when you are in your 30s & 40s.  It's not just about saving for this [...]

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Will I really get that low of a mortgage rate?

By |2020-08-27T21:25:10+00:00August 27th, 2020|Categories: Lending, Single Point of View|Tags: , , |

Have you been noticing all the ads and articles on the "historically low" mortgage rates?  In this quick video, Rene helps us understand what these "headline" rates may really mean for you!

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Kids Heading Back to College? Here’s One Document You Should Have

By |2020-08-20T13:50:27+00:00August 20th, 2020|Categories: Estate Planning, Single Point of View|Tags: , , |

The entire country is trying to figure out how to open up schools, while some colleges will be doing remote learning many others are welcoming students back to campus.  If you have a child heading back to college this fall the below post from our friends at Squillace & Associates, P.C. is for you. Scott [...]

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