Single Point of View
Single Point of View is our way to occasionally share planning ideas relating to personal finance. Our goal is to pass along concepts that you may not be exposed to on a daily basis.
You Can’t Predict the Future — But You Can Prepare for It
What can financial planning learn from military strategy? More than you might think. In this reflection, Stephen Yoskowitz shares how his time working alongside U.S. forces shaped the way he approaches uncertainty, discipline, and long-term readiness. Strategic Readiness: Why Comprehensive Financial Planning Resembles Military Strategy In the late 2000s through the mid-2010s, I was a civilian analyst [...]
How “The One Big Beautiful Bill” Affects Me?
Each time there’s a major tax bill, the natural question is: “How will this affect me, my taxes, and my planning?” For readers that work with an advisor, a specific conversation in the context of your life and planning will invariably take place over the coming months. To aid in those conversations and for those of you reading this [...]
Update to Professor Rene’s Market Update – April 2025
Last month, Professor Rene provided an update of the current market given the recent downturn (see below). Given the continued volatility here is an update to that update. With yesterday’s announcement of reciprocal tariffs the market is now down -13% from its Feb 19 high. Since my last post of Friday March 14 the market was actually flat through [...]
Professor Rene’s Market Update – March 2025
For now, the S&P 500 is down 8% from its recent (all-time) high on Feb 19. It’s an uncomfortable feeling not knowing whether an 8% drop will turn into a 25% bear market, but some things in life are unknowable – even to the most astute investors. It is key to remember that through all the previous market downturns, [...]
Social Security Fairness Act: Are you impacted?
On January 5th the Social Security Fairness Act was signed into law eliminating the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) that had previously impacted the benefits of millions of public sector employees and their widows/widowers. If you were affected by either of these provisions this change likely means you are now entitled to start receiving [...]
Important New Requirement for Businesses & LLCs
Owner of a small business? How about a vacation home or investment property that you established an LLC to own? Guess what? You probably are subject to a new reporting requirement to the U.S. Department of the Treasury you may not yet be aware of. Why should you pay attention to it? Because the proposed fines and penalties for [...]