When it comes to portfolio construction and asset allocation – not all risk is equal. You’ll often hear different standard allocations – for example 60/40, 80/20 etc., but even in a set investment mix – the risk doesn’t remain constant. Nor is the risk of similar allocations (for example, two different 60/40s) equal, simply because … Read more
How our coin phrase (pun intended) “Wealth Without Worry” drives us every day in our approach to planning and in building every relationship with our clients. Check out other videos from HoLo: What Is Risk Correlation? Estate Planning Considerations:
What health services aren’t covered by Medicare? Original Medicare — Part A hospital insurance and Part B medical insurance — offers broad coverage, but many services are not covered. Some may be fully or partially covered by a Part C Medicare Advantage Plan, which replaces Original Medicare, or a Medigap policy, which supplements Original Medicare. … Read more
Earnings Season: What Investors Can Take Away from Corporate Reports Publicly traded companies are required to report their financial performance to regulators and shareholders on a quarterly basis. Earnings season is the often-turbulent period when most companies disclose their successes and failures. U.S. companies included in the S&P 500 index suffered year-over-year earnings declines in … Read more
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
Why is risk correlation important in your portfolio? Having a well-diversified portfolio with appropriate allocations means you’re probably not going to love everything you’re invested in all the time. When deciding to invest or add something your portfolio or investment mix it should do one of two things. Watch the video to find out
Determine Eligibility for Itemized Deductions. Year-end planning is required to determine if capped itemized deductions still exceed the modified standard deduction Consider accelerating income into 2019 or delay income until 2020. Some people may benefit from lower tax brackets. Max out your employer-sponsored retirement plan contributions. The deadline for funding 401(k), 403(b) or 457 plans is Dec. 31. … Read more
Each year for its Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) surveys 1,000 workers and 1,000 retirees to assess how confident they are in their ability to afford a comfortable retirement. Once again, in 2019, retirees expressed stronger confidence than workers: 82% of retirees reported feeling “very” or “somewhat” confident, compared with 67% … 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
Volatility gives us a great opportunity to buy things on sale – just ask Warren Buffet…that is – if you can keep your emotions in check! In this video, Sam and Dan talk about recent volatility in the stock market and how both growth and value investors can leverage the fluctuations in portfolio construction. Check … Read more
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