Tax Loss Harvesting: A Good Idea That is Overrated?

Turning lemons into lemonade should be considered during the market volatility that we find ourselves in today. In periods of market downturns or even market upturns, one strategy that is often suggested is tax loss harvesting. It can be a beneficial strategy, but its application is often misunderstood or wrongly implemented. Knowing when to utilize …

Does Crypto Belong in Your Portfolio?

Don’t be fooled by the constant stream of articles about cryptocurrency. It’s true that cryptocurrencies have become more popular, and more numerous, including Bitcoin, Dogecoin, Ethereum, and more than 9,000 others. They’re still not mainstream— “everyone” isn’t investing in cryptocurrencies. But are they a new asset class? Should you include cryptocurrencies in your portfolio? No. …

Can You Take a Punch?

Mike Tyson, the former world heavyweight boxing champion, is not well known for making profound observations, but I believe he made at least one. Once, prior to a fight, a sports reporter asked him how he planned to handle his opponent who had said that he had a special plan to defeat “Iron Mike.” His …

The Pros and Cons of Target Date Funds

Most 401k plans offer target date funds as an easy way for participants to start investing. A target date fund is a mutual fund that is composed of several other mutual funds and ETFs. These funds include domestic and international stock funds and fixed income funds. The target date represents the date when the investor …

Where There’s a Will, There’s a Way – to Control what Happens!

You worked hard for many years, saved well, and find yourself in a position to provide a legacy to loved ones after your death. The starting point for me is always the reminder that you have no obligation to provide an inheritance to anyone, even family (with a possible spousal exception), and therefore you can …

Align Your Financial Life with the Dreams You Want to Protect

“Let your dream devour your life, not your life devour your dream.”~ Antoine de Saint-Exupéry Now that many people have the gift of flexibility and can work from anywhere, what they find this has turned into is they work from everywhere. “I’d like to go on a vacation that isn’t consumed by my work.” Sound …

More Than Your Fair Share

“Anyone may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury; there is not even a patriotic duty to increase one’s taxes.” Gregory v. Helvering, 293 U.S, 465 (1935), a landmark decision by the United States Supreme …

Give back, get back: Being a mentor in retirement

Retirement can be a difficult transition.  We go from work where we used years of experience, wisdom, and our creativity in solving problems and making a difference to suddenly not always feeling that we are actively using our experience and skills. There are a variety of ways to stay engaged in retirement, and mentoring is …

Cultivating Simplicity

Because we are often consumed with the busyness of daily life, most of us give little thought to the bigger questions of where we are going in life and how we will get there. We let others around us set our goals for us because that is how life starts out in childhood. With the …

3 Quarter Market Review

This report features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets.