Remember the Advantages of Global Diversification

With US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. While international and emerging markets stocks have delivered disappointing returns relative to the US over the last few years, it is important to remember that: • Non-US stocks help … Continued

The Best of 2018

What a year we’ve had! We shared a lot of information over the past year but wanted to highlight our most popular blogs. 1. Are You Taking Advantage of this Little-Known Microsoft Retirement Plan Benefit? One of the most generous, but under-utilized retirement benefits is called the “After-Tax Contributions.” Microsoft has added a provision to its … Continued

Market Thoughts

Markets around the globe have experienced sharp sell-offs over the past two months, driven in part by geopolitical tensions, uncertainty over trade tariffs, and in the U.S., a continued tightening by the Federal Reserve. We would like to take this opportunity to share our reflections on the current climate especially as it relates to our … Continued

Don’t Stop Just Because You’ve Reached a Goal

Key Takeaways Setting goals too low can be just as debilitating as setting goals too high. Don’t ever stop asking yourself, “How can I do better?” Your goals will and should change over time. Your financial advisor can be a great sounding board for setting realistic goals and devising strategies to achieve them. Goals are … Continued

Building Wealth That Matters

The most important component of embracing simplicity in building financial wealth might be that it allows you to focus on the type of wealth that matters most of all – the spiritual wealth of sharing your talents and wisdom with others. In Soundmark Advisor Bill Schultheis’ latest column, he describes a few ways you can … Continued

New Contribution Limits for Retirement Accounts in 2019

The IRS retirement plan limits are out for 2019. Remember to update your retirement contribution amounts considering the increased limits. You can contribute $500 more to 401(k) and individual retirement accounts in 2019. The 401(k), 403(b), and most 457 plans will increase from $18,500 to $19,000 in the new year. For the first time since … Continued

‘Tis the Season

For many of us, these last few months of the year are a time to re-evaluate our financial plans, beneficiary designations, and enroll in corporate benefit programs such as medical and life insurance. For many, this is also when you can enroll in your company’s retirement plan or change your elections – whether it be … Continued

Year-End Tax Planning Considerations

KEY TAKEAWAYS Delaying or deferring income at year-end can be a smart move for most individual taxpayers and business owners. If over age 70 ½, you can distribute up to $100,000 directly from your IRA to a qualified charity and garner substantial tax savings. Consider managing your HSA account as a long-term, tax-free investment alternative. … Continued

Review Market Performance in Third Quarter

The market report for the third quarter is posted and features global market performance and a timeline of events over the past quarter, including a look at the impact of the recent interest rate increase. A great discussion concludes the report focused on evaluating expenses, specifically when it comes to mutual funds and the variable … Continued

Know Where Your Charity Money Is Going

Many of our clients want to include charitable planning in their financial plans and overall goals. Ensuring donation money is given to a responsible steward can be a challenge. Review these important factors when evaluating charitable organizations. Interested in creating a more comprehensive charitable plan? Read our discussion on Donor Advised Funds and other strategies to … Continued