Archive - March 2016

1
Minimizing Tax Liability and Our Investment Philosophy
2
Back to Basics – How Much Money Should I Have In My Emergency Fund?
3
How to cover your Retirement healthcare costs
4
What To Do When Family Members Need Financial Help
5
Is your money locked up when you save for Retirement?

Minimizing Tax Liability and Our Investment Philosophy

Our investment philosophy and portfolio management process are anchored by three foundational tenets –Discipline, Tax-Efficiency, and Cost Control. Experience tells us that we cannot control the daily movements of the market, but we can control these three tenets and, by doing so, strive to have a positive impact on your portfolio. With each investment change we contemplate, we ask ourselves: How will this decision impact our investment philosophy, and are we staying true to our foundational tenets?

We welcome you to our blog on Tax Efficiency, the third of a three-part series in which we expand …

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Back to Basics – How Much Money Should I Have In My Emergency Fund?

This is the next article in my ‘Back to Basics’ series. You can read my first article, on compounding interest or my follow up article on predatory lending  This article is meant for everyone. If you’re a junior enlisted person or junior officer, please share this with a friend. If you’re a leader of junior troops, feel free to use this article as a set of talking points for your one-on-one sessions. The focus of this article is to protect our junior personnel, many of whom may still be trying to get a handle on the responsibilities that military life …

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How to cover your Retirement healthcare costs

“Health Care Costs for Couples in Retirement Rise to an estimated $245,000” claims a Fidelity Investments report. If you are approaching Retirement, this is an important financial concern that must be addressed. So, what do you do? How do you cover these expenses? Do you have a plan?

One solution:  Healthcare Savings Account (a.k.a. HSA)

For example, in the year 2016, a married couple at the age of 55 can save up to $7,750 per year and save paying taxes on the contribution. Such contributions can be invested, grow tax-free and can be withdrawn tax-free as well if used …

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What To Do When Family Members Need Financial Help

By Eve Kaplan, Certified Financial Planner ™

Welcome to the Sandwich Generation! You’re a member if you’re “sandwiched” between helping adult children and aging parents.  Americans see themselves are more “independent” and sometimes less family-oriented than some other cultures but you still may be on the hook to support adult children in their 20s, 30s and beyond – while simultaneously savings for yourself plus helping prop up your parents in their 70s, 80s and 90s.

A generation ago it wasn’t uncommon for a 25 year old man or woman to be married, own a home, have young children and already …

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Is your money locked up when you save for Retirement?

We hear all the time: Saving for Retirement is an important financial goal, and it has benefits, both financial and non-financial. Yet, I know few people who are concerned that saving for Retirement is locking up funds and that these funds are not accessible for other financial goals without penalties. This, in fact, is a myth.

For example, a young 27-year-old entrepreneur once asked me if she could use some of these funds towards down payment for her first home. A 40-year old mid-career professional wondered if he can use any of his Retirement money towards college costs for his …

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