Balancing 401(k) and HSA Contributions If you have the opportunity to contribute to both a 401(k) and a health savings account (HSA), you may wonder how best to take advantage of them. Determining how much to contribute to each type of plan will require some careful thought and strategic planning. Understand the tax benefits A … Read more
The age old argument continues – should I invest passively, or actively? The answer – well, there’s not always a right answer and you should be wary of someone telling you one strategy always applies. An astute investor weighs the market conditions, the industry and index, fees, and risk before determining which strategy to employ … Read more
If you are concerned about the high costs of long-term care but don’t want to purchase traditional long-term care (LTC) insurance, you might consider two strategies that combine permanent life insurance coverage with long-term care benefits. Keep in mind that any payouts for covered LTC expenses reduce (and are usually limited to) the life insurance … Read more
Collectible assets such as fine art, antiques, coins, and gems are one way to diversify your investment portfolio. But it can be difficult to predict if or when the money you invest will provide a return. Here are a few things you should know about collectibles before investing in them. Not all collectibles are valuable. Some … Read more
Just like a piece of bologna, you’re sandwiched between two big pieces of smushy, white bread – your children, and your parents. Even as your career and earnings are peaking and you’re finally beginning to look towards retirement, those generational obligations sneak up. Most parents want to help their children with college expenses, and do, … Read more
Investing in foreign stocks provides access to a world of opportunities outside the United States, which may help boost returns and manage risk in your portfolio. However, it’s important to understand the unique risk/return characteristics of foreign investments before sending a portion of your money overseas. Reasons to go abroad: Here are some of the … Read more
In our AdvisorTalk series, we come together to discuss different investing and planning topics conversationally. In this edition, Steve and Sam discuss portfolio construction. There’s a lot of strategies out there about how to evaluate whether or not a company or position is a worthwhile investment. Though you need greater context to ultimately determine if … Read more
We get SO MANY questions from resident and fellow physicians on this topic. Med school is expensive! So if you’re not one of the lucky ones to graduate without student loan debt, here’s a little breakdown from Brad: There are two types of student loans most physicians & dentists have beginning their careers: public and … Read more
Roth IRAs Are Still Available for High Income Earners Physicians cannot contribute to Roth IRAs? They make too much money, RIGHT? WRONG! While it’s true that most physicians, other than through their employer-sponsored retirement plan, cannot contribute directly to an individual ROTH IRA, there is another way… HOW? You can do this through a process … Read more
As human beings, we feel – we have emotions. Being an effective investor, therefore, requires that we understand how our emotions can affect our decision-making about money, especially during volatile times. In fact, researchers analyze this correlation between emotions and investment decisions in an area now referred to as “Behavioral Finance” research. In the markets, … Read more
In this video blog, Dan discusses some of the vehicles available to help save for educational expenses. Specifically, interesting and practical features of 529 plans that can be an integral part of creative planning solutions for clients of all ages – even for grandparents looking for tax-advantaged gifting alternatives.
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