The Concept of Asset Location: What is it and why is it important?
By: Steve VanNostrand, CFP®, Senior Financial Advisor For decades, asset ALLOCATION -balancing risk and reward in one’s portfolio by diversifying investments across asset classes like equities, fixed income, and cash has been the cornerstone of portfolio design. However, focusing on allocation alone may mean missing out on the opportunity to maximize portfolio tax efficiency. When […]
Fixed Income – Does it belong in your portfolio?
By: Ben McCue, CFA, Investment Research Analyst For much of the last few decades interest rates have been steadily declining and, with the onset of the COVID pandemic, rates are now at historic lows (see U.S. 10-Year Treasury Rate chart). Accordingly, we occasionally hear from clients, “why bother with fixed income when rates are so […]
Roth IRAs and Roth Conversions: Key Concepts
By: Diana Castro, CPA, CFP® Associate Advisor Roth IRAs and Roth conversions tend to dominate headlines and talking points when it comes to retirement planning. Tax free growth! Tax free distributions! You only pay tax once! Therefore, this is one of the most frequently brought up planning strategies by potential and existing clients to discuss. […]
Bitcoin Revisited
We last wrote about bitcoin in our Spring 2018 Newsletter article titled Bitcoin, Bubbles, and the Fear of Missing Out, which was written just about the time that Bitcoin prices were peaking near $18,000. Within a year, the price of a bitcoin dropped be- low $4,000. Fast forward 3 years and we see bitcoin recently […]
