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A Quick Guide To Annual Rebalancing Of Your Portfolio

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Perspectives from a Seasoned Financial Advisor As you begin to receive your year-end statements, it will be tempting to focus on how well the markets performed – because it really was a year for the record books. The year 2017 saw the DJIA set 71 all-time highs, surpassing the previous record of 69 set in [...]

Taming Cryptocurrencies Such As Bitcoin Through Regulation

by brettr brettr No Comments
The news that bitcoin had broken the $10,000 barrier reflects the way that mainstream investors have been flocking to cryptocurrencies over the past year. But amid the excitement, regulators are fretting about criminals who are increasingly using cryptocurrencies to escape detection from law enforcement. Why is digital currency so appealing to miscreants? Cryptocurrencies are a [...]

Quick Overview Of The 2017 Tax Reform Bill

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Perspective from a Financial Advisor Early in the morning of December 20, 2017, the Senate passed the "Tax Cuts and Jobs Act" by a party-line vote of 51 to 48; (Republican Senator McCain was absent for medical reasons). Irrespective of your political affiliation, most would agree that this legislative achievement is the most sweeping overhaul of [...]

The 403(b) Plan Retirement Saving Cheatsheet

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For all employers, offering retirement benefits can play a fundamental role in recruiting and retaining qualified employees. Yet, despite the obvious advantages that come with helping workers save for retirement, many not-for-profit organizations neglect to provide a retirement plan or do too little to assist workers in reaching their retirement savings goals. One of the [...]

How To Deduct Mortgage Points From Your Taxes?

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If you’ve recently purchased a new home, you may be wondering if you qualify for a full tax deduction for “points” (a portion of the loan amount of usually 1, 2, or 3%) paid to your mortgage lender. Generally, points are prepaid interest, and they may be deductible as home mortgage interest, if you itemize [...]

The Facts About Buy Term, Invest The Difference

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One often heard plea to potential buyers of life insurance—“Buy term and invest the difference”—has dogged the life insurance marketplace for the past few decades. Insurers who promote only term life insurance products often shout it out from the rooftops, while companies more focused on cash value life insurance policies wage an ongoing battle to [...]

Should You Be Tempted to Invest in Bitcoin?

by brettr brettr No Comments
If you've been watching bitcoin prices lately, you already know they've made a record-setting run.  As of the end of November 2017, a single bitcoin is valued at over $11,000, which is more than 8x the price of an ounce of gold. To put things in perspective, bitcoin values were in the $300 -- $400 [...]