Should You Buy Gold?
I do not like gold as an investment. I think it is just speculation. But if you are bitten by the gold bug and can’t be cured, please at least buy your gold coins directly from the US Mint. You won’t pay outrageous spreads when you purchase the coins, you won’t be called and pressured into buying […]
Should You be Making Roth IRA Contributions or Conversions?
SHOULD I CONVERT TO A ROTH IRA? Sounds like a simple yes or no question, doesn’t it? If only that were true. The wonderful thing about Roth IRA accounts is they grow and compound into income tax-free dollars. The problem is you must pay taxes on the funds before they can be contributed to a Roth […]
Sell Off or Stay the Course? When to Re-Evaluate Your Investment Portfolio
Are you staying awake at night worrying about the state of your stock investing? Our fee-only Certified Financial Planner has sound investment advice on when you should revisit your financial plan and when you should simply roll over, plump your pillow, and go back to getting some much-needed rest. It has been a truly turbulent year […]
Sell in May and Go Away…
How many times have you heard that old adage on CNBC? How’s that working out for you?
Selecting A Corporate Trustee
Corporate trust services are offered by trust companies, banks, some attorneys, and some financial advisors. Your first step should be to determine just what services you expect to receive from the trustee. You can choose a trustee to perform the administrative functions only. This could include: Administration of the trust in accordance with the trust agreement. […]
Resolutions
It’s that time of year when we all take stock of our lives and come up with a list of resolutions to make ourselves better for the coming new year. On the financial side of things may I offer a few suggestions. If you do not have a formal written financial plan get one. Your […]
Real and Feel
Back when Tiger Woods worked with Butch Harmon and was winning nearly every tournament he entered, Tiger and Butch would talk a lot about how real and feel were two different things in his golf swing. Maybe something felt right, but it did not result in a great golf stroke. That is often the same […]
Pushing A String
You know you can’t push a string. If you try you just end up with a jumbled mess. That’s why it is so hard to thread a needle, you have to push. If you need to move a string it works best if you pull it. That’s how it is with financial matters. I can’t […]
Profit Not Politics
We are in the midst of another US Presidential election cycle and again clients are worried about the effect the election will have on the stock market. While nothing can be predicted with certainty, we can look at history to get a feel for what might happen. Since 1944 all presidential elections coincided with a […]
PREMIUM TAX CREDIT CHANGES IN 2026: WHAT TO EXPECT AFTER THE “BIG BEAUTIFUL TAX BILL”
The passage of the “Big Beautiful Tax Bill” has introduced sweeping changes to several components of the U.S. tax code, including significant reforms to the Premium Tax Credit (PTC) system under the Affordable Care Act (ACA). Beginning in 2026, households who rely on marketplace subsidies to offset the cost of health insurance should prepare for […]
