Our team of skilled professionals share their expertise on financial planning, wealth management, investing, the economy and the latest market trends.
Insights and Interests
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Cyber Hygiene
It seems every day we are bombarded with stories about the latest security breach and theft of personal and financial information. As your trusted advisor, it is our hope to provide education regarding proactive steps to enhance your online security. Read more on some best practices detailing how to implement security solutions to better protect your personal information.
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Saving for Retirement
Saving for retirement today seems to have more challenges than for previous generations. Factoring in the many different types of retirement savings vehicles and rules for each, it’s no surprise that many feel overwhelmed when thinking about retirement. In this month’s Insight, we discuss some challenges to overcome when thinking about retirement savings and dig into the details of the types of retirement accounts available.
Medicare Basics
Whether you or someone you know is getting close to the Medicare eligibility age, our insight into the fundamentals of Medicare is a great resource for information to help you understand this complex subject. This article offers an overview of the various components as well as details on working past age 65, how to enroll, and pay for Medicare.
Understanding Equity Compensation
In this Private Capital Management Insight, we explain common types of equity compensation plans. This insight clarifies the differences in the acronym jumble that is equity compensation, RSUs, NQSOs, ESPPs, etc. We also discuss some of the tax advantages, as well as tax pitfalls associated with equity compensation.
Education Planning
Do you have a new baby in the family? If there’s been a birth or adoption in Colorado since January 1, 2020, this applies to you! Get a jump start on saving for college with a $100 gift, plus a $5,000 match from CollegeInvest, the Colorado 529 savings program. Get the details from the link below!
Social Security
Social Security cost of living increase will be 8.7% for 2023, this increase is not limited to people already receiving Social Security benefits. Additionally, other parts of the Social Security system: the wage base, earnings cap, and Medicare surcharge will be similarly impacted. Reference the full insight for more details.
Life Insurance
Life insurance can play an important role in the risk management component of your financial plan. Life insurance and its cousin, disability insurance, protect your most important asset – you.
Education Planning
Graduation season is here and reminds us of the importance of education planning for our clients and their families. The task of preparing to send your student to college may seem daunting and there are many factors that should go into the decision, but active forethought and planning are crucial to properly financing your child’s education.
P&C Insurance
Insurance has been on many peoples’ minds lately driven, in a lot of cases, by the myriad natural disasters and spikes in vehicle and parts related thefts occurring over the last couple of years. Disasters such as the Marshall fire that occurred just west of Denver in December 2021 and destroyed 1,084 residential structures, and the deep freeze that affected all of Texas and much of the Midwest February 2021, are just a few of the recent events that have taken a significant toll. The loss of life and economic damage from these events were catastrophic for those impacted. And although events such as these are out of our control, there are things that can be taken away from these events and things that you can do proactively to help minimize your potential for financial loss.
Charitable Insights
Having a deadline is helpful to many of us. In such a busy world with so many things coming at us from different directions it is easy to put things off that don’t have a deadline. Most who are charitably inclined are passionate about the charities they support and often times are able to contribute additional funds because of the resulting tax benefit. The December 31st tax deadline, however, has moved most of us in the direction of gifting when that deadline nears. As that deadline nears this year, we encourage you to consider how your charitable ideals are being incorporated into your overall financial plan.
Estate Planning Basics
Estate planning is a topic shrouded in myth, misinformation and emotion. Though the details can get complicated depending on specific situations, there are basics that provide a foundation for good estate planning. This piece will outlines:
- The four main methods property is distributed upon an individual’s death;
- The important components for an estate plan; and
- Why having a personalized estate plan is vital.
View all of our past Insights and Interests
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Quarterly Newsletter
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Third Quarter 2024
Overlooked asset classes such as small-caps, emerging markets, and REITs led a strong reversal for the quarter. Even bonds participated in the rally as rate cut expectations sent the yield curve lower. In this commentary, we take a closer look at opportunities other than large-cap stocks available for investors, stock market performance during election periods, and an update on global interest rate policy.
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Second Quarter 2024
Mega cap tech companies continued to lead the market higher as stock investors enjoyed above average returns in the first half of the year. Will this trend continue? In our latest commentary, we take a closer look at stock market leadership and the difficulty of sustaining above average growth at scale. We revisit record-high stock and bond correlations and how more economic signals aren’t necessarily better.
First Quarter 2024
Stocks continued to rise in the first quarter broadening beyond mega cap tech and communications stocks. Strong economic data shifted market expectations for interest rate cuts to begin later in the year. While short term bonds look relatively attractive today, they may be detrimental to your long-term wealth accumulation when accounting for inflation. We discuss these topics and more in our latest commentary.
Fourth Quarter 2023
Investors wrapped a festive holiday season with better-than-expected economic conditions and slowing inflation leading stocks to all-time highs. Bonds also rallied on the expectation of interest rate cuts in 2024 and beyond. Dive deeper with our timely insights and trends influencing your investments in our latest commentary.
View all of our past Quarterly Newsletters
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