value vs growth stocks performance

Explaining Value Stocks vs Growth Stocks

The age-old debate of value stocks vs. growth stocks is like Coke vs. Pepsi. There’s no right or wrong answer. Some people like Coke, some people like Pepsi. It’s a matter of individual choice. Growth and value are similar in that some people prefer growth, some people prefer value. In some market environments, growth stocks do better. In other market environments, value… Read more

Brian PerryBrian Perry
Tax Deferral Strategies

Top Tax Deferral Strategies

What are Tax Deferral Strategies? Tax deferral means taking a deduction and moving it into an earlier year or deferring some income to a later year. You are not really reducing your overall taxes, but you are getting a benefit up front. If you do these tax deferral strategies year after year and pay less in taxes up front, you can utilize… Read more

Alan ClopineAlan Clopine
Tax Reduction Strategies

Tax Reduction Strategies for High Income Earners

  Do you have a high salary, own a business, own real estate, or generate a lot of income from inherited assets? If any of these apply to your situation, you’re going to want to pay attention because here are seven different tax reduction strategies for high income earners that can help you to pay even less in taxes in the future. Take Advantage… Read more

Alan ClopineAlan Clopine
Tax Efficiency Tips

10 Tax Efficiency Tips You Should Know

In case you missed it, we have a brand-new Federal income tax law which commenced on January 1, 2018, called the “Tax Cuts and Jobs Act of 2017“. If you’re trying to figure out how to minimize your tax liability given this new tax law, you’re not alone. To give you a head start, here are 10 tax efficiency strategies to pay… Read more

Alan ClopineAlan Clopine
Goals Based Investing

Putting Goals Based Investing into Practice

You may be interested in how money is managed, either from a desire to do so or just out of curiosity. What exactly is a successful outcome? Goals based investing is a fascinating subject that is affected by so many other factors in the world. Perhaps you’ve purchased a book by a leading and respected money manager or listened to several different… Read more

Brian PerryBrian Perry
Bonds vs Stocks vs Mutual Funds

The Difference Between Bonds vs Stocks vs Mutual Funds

What Is an Investment? This post will explain the differences between bonds vs stocks vs mutual funds vs exchange-traded funds, but before we do that, we have to define “an investment.”  At the most basic level, an investment represents foregoing current consumption in order to buy something in the future. In other words, instead of buying one banana today, I set aside… Read more

Brian PerryBrian Perry
If You Have A Trust, Do You Need A Will?

If You Have A Trust, Do You Need A Will?

Thinking about the end of your life is no fun for anyone, but at some point, everyone will need to plan for this time. The best way to ensure that your wishes are followed and your family is taken care of after your death is to establish an estate plan. Two of the most common estate plans are wills and trusts. Chances… Read more

what causes stock market volatility

Recent Stock Market Volatility: What You Should Know

We would like to take this opportunity to update you on the recent stock market volatility. Stocks started 2018 with the wind in their sails, and investors watched as stock indexes continued 2017’s nearly vertical trajectory. Then, after closing at another record high on January 26th, markets reversed course.[i] Stocks slid during the final week of January, and the sell-off accelerated into… Read more

Brian PerryBrian Perry
Pay Off Debt or Save for Retirement

Should You Pay Off Debt or Save for Retirement?

According to a recent survey by the Transamerica Center for Retirement Studies, paying off debt and saving for retirement are formidable competing priorities for many Americans. In the study, 66 percent of all workers cited paying off debt as a financial priority, and saving for retirement was listed as a priority by 57 percent of all workers. Not surprisingly, younger generations (72%… Read more

Jason Thomas
Are estate planning fees tax deductible

Is Estate Planning Tax Deductible?

A Note Beforehand Before we begin, it’s important to note that planning for your estate can have numerous advantages independent of any tax consequences. As with many financial aspects, it is important to choose strategies, products or services that work for your overall situation rather than making decisions primarily or exclusively on tax consequences. While this aspect is certainly important and should… Read more

Jason Thomas
Medicaid vs Medicare

Breaking Down Medicaid vs Medicare

Medicaid and Medicare are commonly confused health programs, and it’s easy to see why: they’re both administered by the government, are relied upon by millions of Americans. They even share the first six letters of their names and sound the same. While Medicaid and Medicare do share some components and aim to provide Americans with healthcare assistance, they are actually very different… Read more

Global Diversification

3 Practical Reasons Why Global Diversification Makes Sense

Many investors hold portfolios concentrated in domestic stocks, a practice known as “home-country bias”, but is this really the smartest strategy? Just take a look at this chart. Source: 1 Vanguard did a study and found that investors have, on average, a home-country bias, where they tend to own more equity of their resident country than the market-cap weighting would suggest. For… Read more

Brian PerryBrian Perry
What is Cryptocurrency?

Cryptocurrency for Beginners Q&A

Lately, there has been quite a bit of noise around cryptocurrencies. Is there an impending bubble? What’s going on with China and Russia? What about individual investors, should they invest in cryptocurrency? Before we get into the nitty-gritty of electronic monetization, let’s break down the basics of what exactly cryptocurrency is. Investopedia defines cryptocurrency as: A digital or virtual currency that uses cryptography for… Read more

Brian PerryBrian Perry