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Special Tax Report

The beginning of tax season 2019 was initially in question due to the government shutdown. On January 7, the Internal Revenue Service (IRS) assured taxpayers they would indeed begin processing tax returns on January 28, 2019. The deadline to file 2018 tax returns is….

Welcome to 2019

Welcome to 2019!  We hope that you and your family had an enjoyable holiday season.  Each New Year symbolically offers us the opportunity for a fresh start.

Once again, our primary goal this year is to continue our tradition of helping clients achieve their personal financial goals.  To make that process more efficient, we send our clients…

2018 Year End Tax Report

One of our main goals as holistic financial advisors is to help our
clients recognize tax reduction opportunities within their
investment portfolios and overall financial planning strategies.
Staying current on the ever-changing tax environment is a key
component necessary to help our clients benefit from…

Third Quarter Economic Update

For the third quarter of 2018, the bull market seemed unstoppable. Regardless of the quarter’s concerning short-term events, investors quickly looked beyond those risks and pushed stock prices higher.  In February of this year, the markets dipped roughly 10%, but this quarter many major equity indexes moved…

Market Volatility

Heading into September, The Dow Jones Industrial Average is within striking distance of a record, and the S&P 500 and NASDAQ hit all-time highs in August.  In August, the S&P 500 index broke the record for the longest U.S. bull market in history. This bull market run is over 3,500 days, with equities rising over 320% since it began on March 9, 2009. It’s a record few would have predicted when stocks struggled to find their footing after a 50% plunge during the financial crisis. Even after this impressive achievement…

The New 1040 Tax Form

The ratification of the 16th Amendment allowed for the collection of income tax. Starting in 1913, American taxpayers used IRS Form 1040 to prepare and file their tax returns. The first tax return was three pages with only one page of instructions. Over the last 100+ years, the length of the instructions has changed…

The Rise of Interest Rates: An Investor’s Perspective

When reviewing the current environment for interest rates, almost all analysts are in agreement that they will continue to rise in the future. Short-term interest rates, which in recent years were at historically low levels, have already risen. The Federal Reserve has already increased rates once this year, and at the end of a 2-day policy meeting, on May 2, the Federal Reserve decided unanimously to hold interest rates steady at the target range…

The Four Phases of Retirement

Years ago, when you mentioned the concept of retirement, visions of a long and relaxing stretch of time after your career came to mind. Most people envisioned having a 20 to 30-year time span filled with activities such as traveling to exotic locations, leisurely days of relaxation and recreation and time with…

Roth IRA’s

Paying taxes is so ingrained in our lives that many people do not even think about tax reduction until it’s time to file their tax returns. Unfortunately, by that point, it’s usually too late to implement a strategy for minimizing…

Quarterly Economic Update Second Quarter 2018

The second quarter of 2018 contained ups, downs, and tariffs. Equity prices were very volatile as investors seemed to back off of many industrial heavyweights while favoring large technology companies. Although the tensions of trade wars, tariffs, political uncertainty in the Eurozone and slowing momentum in the global economy surfaced, many indexes seemed to finish the quarter slightly higher.