Will the divorce rate spike in the US when we fully reopen? It seems likely that this could be the case for marriages that were already at risk. Between the months of being together in isolation, the real economic pressures, and troubling health fears,...
For most Americans, their home is a significant portion of their net worth and one of their largest single investments. However, as an asset class real estate is relatively illiquid. After all, you cannot sell a bathroom when you need some additional cash. ...
The Coronavirus Aid, Relief and Economic Security Act (CARES Act) has provided immediate access to retirement funds for qualified individuals that might otherwise be difficult or costly to tap. “Coronavirus-related distributions” or CRD’s are now permitted under certain circumstances from 401(k), 403(b) and IRA accounts...
Most people who have been around investing for even a brief period understand the concept of a benchmark- comparing your portfolio results to the results of a “control” group of assets. The idea is to measure performance against a neutral, broad based basket of relevant...
Most investors are very familiar with mutual funds. Mutual funds have been around since the 1890’s, with the most common structure (open end) being established in 1924. These funds are a way for investors to access a diversified “basket” of securities. Mutual funds hold all...
As a former philosophy minor, I believe that there are yin and yang forces at work in the world. This Chinese concept of dualism (negative-positive, dark-bright) postures that these contrary forces may actually be complimentary. Perhaps it is a result of self-isolation, but...
As we step back and reflect on 2020 and the heartbreak of the coronavirus, there are some lessons that we can learn. As a country, we were ill-prepared to face a medical crisis of this magnitude. At times it has seemed like a...
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed on March 27, 2020. This is an extensive piece of legislation that will have an impact on many Americans in one way or another and hopefully offer some financial help to those struggling during...
Selecting the correct business structure is a critical step in starting a new business, managing risk in your current business, or planning for future growth or transfer of a business. Because we work with a lot of small business owners, structure selection is a very...
Spousal IRAs allow married couples in which one spouse works and one does not to make IRA contributions to the account of the non-working spouse. Typically, in order to contribute to an IRA, you need to have earned income. Spousal contributions create a way around...