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What Is the Sequence-of-Return Risk and How Can Retirees Mitigate Its Effects?
With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...
Read MoreLifetime Estate & Gift Tax Exemption Updates for 2023
In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...
Read MoreThe Sunday Drive - 01/01/2023 Edition
👋🏻 Hello friends,Happy New Year! Greetings and welcome to 2023 from Saratoga Springs, NY! Let's take it easy and enjoy this New Year's edition of our leisurely Sunday Drive around the internet.Share The Sunday...
Read MoreThe Sunday Drive - 12/25/2022 Edition
👋🏻 Hello friends,Merry Christmas 🎄 and Happy Holidays from Saratoga Springs, NY! Let's take it easy and enjoy this Holiday edition of our leisurely Sunday Drive around the internet.Vibin'Okay...so we...
Read MoreThe Challenge of Raising Non-Materialistic Kids
In today’s social media-obsessed world full of popular “influencers” targeting teens, pre-teens, and even younger groups, instilling values in your children and grandchildren about what really matters in life is more...
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Contribution Limit Increases for 2023: Just What We Wanted to Hear
In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...
Read MoreYear-End Financial Strategies
The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...
Read MoreCharitable Giving Strategies for 2022
Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...
Read MoreHow Does the Inflation Reduction Act Impact Healthcare? A Guide During Open Enrollment Season
Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...
Read MoreThe More Things Change [Income from Equities]
Michael Allison Bloomberg Radio Interview - August 3, 2016
Read MoreIt's Cybersecurity Awareness Month: 7 Steps to Protect Yourself
Over 50% of consumers have fallen victim to a cybercrime, with a third of those attacks taking place in the past year alone. So there are 263 million American consumers. 131.5 million have been hit by cybercrime, with 44 million...
Read MoreWill Your Social Security Check Be Taxed?
Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...
Read MoreThe Baby Boom Supply Shock to the System
The Baby Boomer's Supply Shock to the SystemI think that more and more investors, economists, and policy makers are beginning to understand and accept that we have another supply shock to work through - and it's a big one.The 1970's...
Read MoreTruths About Life Insurance that Will Inspire You to Get Coverage
Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...
Read MoreIs Now a Good Time for a Roth IRA Conversion?
Is Now a Good Time for a Roth IRA Conversion?We know that taxes are one of life’s two inevitables. So, the question is not if you will pay taxes on your retirement accounts, but when and how much. That’s where Roth IRAs...
Read MoreNLA Website Showcase
I'm so honored that our friends at FMG chose the New Lantern Advisors website to showcase on their blog this week. There's a fun Q&A section which I really enjoyed doing.If you're interested in seeing the showcase and learning a bit...
Read MoreWeekly Market Insights: Markets Rally; Earnings Better Than Expected
Undaunted by another Fed rate hike and news of a contracting economy, the stock market rallied last week on better-than-expected corporate earnings.The Dow Jones Industrial Average increased 2.97%, while the Standard & Poor’s 500...
Read MoreEstate Planning Considerations for 2022
Is Your Estate Plan Tax-Optimized?Minimizing taxes is a common part of any estate planning strategy. Currently, it’s a relatively favorable environment for estate taxes, but tax rates can, and likely will change, which means...
Read MoreTime for a Portfolio Check-Up?
It’s summer. You’ll probably take the car in for a checkup before heading out on a road trip, because you want to ensure the vehicle will get you to your destination. Should you treat your investment portfolio similarly?The...
Read MoreAll Recessions Are Not Created Equal
With inflation at 40-year highs, the Fed is aggressively hiking interest rates; but it's a tricky proposition: raise rates too much and many fear the next recession is right around the corner. Markets have been reflecting that fear,...
Read MoreThe Mother of All Asset Shifts
Are you ready for the most significant re-allocation of assets in nearly a half century? You should be. Because, ready or not, here it comes!The relative value of human capital versus financial capital is really just a function of long...
Read MoreMeet the Human Enterprise™
The Human Enterprise™ is a framework for living that is a significant departure from the three stage life cycle around which we have organized society, the economy, and our lives in the industrial era. Those being:Education --...
Read MoreWhat is your "What's Next?"
Let’s play a drinking game. Take a shot every time someone asks you, “So what are your plans after you retire?” In my case, the CHECK LIVER light came on.It all started when…Early in 2020, prior to the arrival...
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