By now you’ve probably seen several articles or heard news stories about I-bonds and the fantastic investing opportunity they currently offer. I-bonds are specialized bonds issued by the US Treasury that are designed to adjust their yield semi-annually with the rate of inflation. The inflation adjustments occur each year on April 1 and November 1, […]
Our thoughts on Bear Markets
Markets around the world officially entered bear market territory last week. We understand that market declines are stressful, regardless of how many times you’ve been through this. But we want to remind everyone that bear market risks were factored into your financial plan and specifically calculated for your cash flow projections in retirement. We believe […]
It’s that time of year again!
Part of our commitment to you and your financial plan is keeping your information up to date. If you have not already done so, please upload your 2021 Tax Return to our Client Portal: https://wealth.emaplan.com/ema/charlesschwab/ndwealth This is the safest and most secure way to get your private financial documents to us. As a reminder – […]
Russian Stocks – an update from DFA
As of February 28th, 2022, Russian equities accounted for less than 2% of the MSCI Emerging Markets index. If you want to know how much exposure you have to Russian stocks in your portfolio, here’s an easy formula: How much do you have in stocks? Let’s say your portfolio is made of up 60% stocks […]
Part 1 – Some thoughts on markets and current events in Europe
Planning for 2022, but first… Several weeks ago, Tiffany and I met to discuss our business plan for 2022 and review the past year. Businesses, just like families, are more successful at meeting their goals when they regularly update their financial plans. During our meeting, we both agreed that our current financial planning environment was […]
Should You Be Concerned About Inflation?
If you pay attention to financial news, you are probably seeing a lot of discussion about inflation, which has reared its head in the U.S. economy after being mostly dormant for the last decade. In May 2021, the Consumer Price Index for All Urban Consumers (CPI-U), often called headline inflation, rose at an annual rate […]
Tax Returns and Payments Postponed to May 17
Due to the unusual conditions related to the coronavirus pandemic, the due date for individuals to file 2020 federal income tax returns and make tax payments has been postponed by the IRS from Thursday, April 15, 2021, to Monday, May 17, 2021. No interest, penalties, or additions to tax will be incurred by taxpayers during […]
There’s Still Time to Contribute to an IRA for 2020
Making a last-minute contribution to an IRA may help you reduce your 2020 tax bill. If you qualify, your traditional IRA contribution may be tax deductible. And if you had low to moderate income and meet eligibility requirements, you may also be able to claim the Saver’s Credit for 2020 based on your contributions to […]
GameStop & Hedge Funds
What do you think about GameStop? I have been asked that question a lot this week. And prior to 2021, I had probably never thought about GameStop even once – ever. In case you haven’t heard the news reports on GameStop lately, the company’s stock has been at the center of a battle between small […]
Estate Planning Documents – Is your family prepared?
One of the first priorities for our financial planning and wealth management clients is to have appropriate estate documents in place. While most people consider estate planning documents to be their Will and/or Trust, they also include necessary Power of Attorney designations, Medical Directives and HIPAA designations. The combination of these documents allows an individual […]
