Focus on year-end tax planning

By Carl Trevison and Stephen Bearce Focus on year-end tax planning Our company is committed to helping you succeed across all areas of your financial life. Here are five considerations to think about when it comes to tax planning. Five areas to consider at year-end: 1. Analyze your investment portfolio. • Review your portfolio to […]

10 Reasons Why Beneficiary Designations Are Important

By Carl Trevison and Stephen Bearce 10 Reasons Why Beneficiary Designations Are Important Beneficiary designations can provide a relatively easy way to transfer an account or insurance policy upon your death. However, if you’re not careful, missing or outdated beneficiary designations can easily cause your estate plan to go awry. We often complete these designations […]

Help Take the Guesswork Out of Choosing Investments

By Carl Trevison and Stephen Bearce Help Take the Guesswork Out of Choosing Investments Asset allocation is a strategy that can help take the guesswork out of choosing investments for your portfolio. Instead of putting all your eggs in one basket, you spread your eggs (dollars) among a variety of baskets (stocks, bonds, and cash). […]

To Be Active or Passive, That Is the Question

By Carl Trevison and Stephen Bearce   To Be Active or Passive, That Is the Question   Active investing or passive investing. It’s an ongoing debate, and here, briefly, is what’s behind it.   Active investing involves the skills of an investment manager who seeks to generate greater returns than a market benchmark or index […]

Is Your Portfolio as Efficient as It Could Be?

By Carl Trevison and Stephen Bearce Is Your Portfolio as Efficient as It Could Be? When you look at a line chart of an investment’s historical performance, one feature to note is its volatility – how frequent and how extreme the ups and downs have been. This is significant because volatility is the most commonly […]

Four Things to Know About Risk

By Carl Trevison and Stephen Bearce   Four Things to Know About Risk   Whether you’re already investing or are just thinking about it, you should understand risk and the role it plays in a portfolio. And although it may seem simple enough on the surface, risk can be one of the most difficult concepts […]

Planning for Incapacity: Four Essential Documents

By Carl Trevison and Stephen Bearce   Planning for Incapacity: Four Essential Documents   Preparing for worst-case scenarios brings peace of mind during the best of times. Here’s why. Tom was a healthy 43-year-old approaching the height of his earning power and living the happiest days of his life. He had a great job that […]

Stretch IRA Strategy and Your Estate Plan

By Carl Trevison and Stephen Bearce   Stretch IRA Strategy and Your Estate Plan   Most Americans understand an Individual Retirement Account (IRA) can provide a powerful way to save for retirement. But what many don’t know is an IRA can also be an effective estate-planning tool.   If one of your goals is to […]

Decipher Your Investment Puzzle

By Carl Trevison and Stephen Bearce   Decipher Your Investment Puzzle   When you set up your investment portfolio, you probably also settled on an asset allocation strategy — for instance, 60% stocks and 40% bonds. You, perhaps with the help of your Financial Advisor, determined that this particular balance of investments could help you […]

Challenges of Fixed-income Investing

By Carl Trevison and Stephen Bearce   Challenges of Fixed-income Investing   Your parents and grandparents may have known better about lots of things when you were younger. But you probably shouldn’t be following their example when it comes to managing your money in retirement.   “Most retirement income for [our] parents’ and grandparents’ generation […]