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.
Stock-picking Mutual Funds die hard… for now
The ability of traditional Mutual Fund stock-pickers to deliver out-performance has been decaying for 2 decades. A recent WSJ editorial by renowned finance scholar Burton Malkiel sites the most recent stats published by Standard-&-Poor's and they are absolutely ugly. •“More than 90% of active US managers under-performed their benchmark indexes over a 15-year period.” •“Over 85% of small-cap managers under-performed [...]
Making Your Estimated Tax Payments Online
With tomorrow being June 15th, we wanted to update this post from last year as a reminder to pay your quarterly tax estimates. Below are the links to simplify things and make these payments online. For many of us who have income that is not subject to tax withholding (for example: earnings from self-employment, interest, dividends, rents, alimony, etc.) April [...]
Who is an Aging Life Care Professional, and What Do They Do?
As financial planners, we are often tasked with answering the question of how our clients will fund their advanced care needs later in life. However, who is helping you make the choices on how, and by whom, that care is provided? In this Guest Blog Post, Kate Granigan (CEO) & Anna Pollard (Dir of Clinical Services) of Life Care Advocates [...]
Markets are not always efficient, nor right
Of the 46 previous declines of -10% or more in the stock market (S&P500), a little more than a third (19) became bear markets, defined as a drop of at least -20%. Most of the -10% pull-backs – as sharp and painful as they are - turned out to be just false signals and momentary detours as the market resumed [...]
Big Planning Opportunity with Health Savings Accounts
In short: fund it and invest it, don't use it. Potentially, the best way to use your Health Savings Account (HSA) is to maximize the funding of it, but, instead of using the funds year-by-year to cover your out-of-pocket health care expenses, invest the funds and allow them to grow for the future. The reason this strategy makes sense [...]
Rene Jarquin – My Personal Story
I believe America’s economy is exceptional. Despite the many head-winds faced in the last decade, there is no country where I would rather raise my family and pursue my passion - investing. In my first blog I thought that you should get a sense of who I am, so let me do so through a short personal statement. I was [...]