You have probably heard about stock splits more than once over the last 3 weeks. Two high profile splits have been announced- Apple and Tesla, so there has been a lot of talk about them. Stock splits are simple and for many investors, there is...
Conversations with clients since the start of the pandemic and recession have consistently ended up in the same place- “The stock market and the economy seem to be completely disconnected.” While we believe there are still observable connections between the market’s actions and the fundamentals...
Thinking about the July 15th tax deadline and looking for inspiration for this article I found a plethora of quotes on taxation. One of the more uplifting ones was attributed to the American historian Albert Bushnell Hart, “Taxation is the price which civilized communities...
We are often asked, particularly by younger clients, if it is better to make tax-deferred contributions or after-tax (Roth) contributions to their IRA or employer-sponsored retirement account. While there are many rules of thumb across the internet and financial media on this topic, it is...
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...