Four Year-End Tax Strategies

November 22, 2017

“Markets Stumble as Tax Reform Hits a Snag” “Everything That’s In The Senate Tax Reform Bill” “This Isn’t Reagan’s Tax Reform” At some point, you read enough predictions about what could happen in the big game that all the predictions run together. Just play the stupid game already so we can see what happens. Every…

About Those Marginally Effective Tax Rates

November 8, 2017

There are not a lot of urban legends in the tax world. That is why when you hear one, it tends to stick in your mind. The one I heard on many occasions, particularly when I was new in the business, involved an unexpected paycheck late in the year that created a sizable tax hit.  The…

I Love Lucent

October 4, 2017

I’ve seen this before. Twice, now that I think about it. Once in college, and again in 2007. It is so easy to talk yourself into and seems like such a good idea at the time. I’m talking about buying stocks, although I could just as easily be referring to toga parties. They both look…

September is Free Beer Month

September 19, 2017

Did I say something about free beer? I meant that September is Life Insurance Awareness Month. These topics are equally exciting; pardon me for the confusion. How do you get people to read an article on something as boring as life insurance? Short of offering free beer, I’m not certain. The topic doesn’t exactly lend…

Is Your Retirement Plan in Writing?

August 20, 2017

A recent Charles Schwab report shows that people who have a written retirement plan were 60% more likely to increase their 401(k) contributions and twice as likely to stick to a monthly savings goal than people without a written plan. These statistics should be a loud wake-up call to all clients hoping to not just…

Should You Diversify Your Advisors?

August 20, 2017

I met with a new client recently to wrap up their financial plan and noticed they had still had a small account with another advisor that we had not transferred yet. Although they had invested nearly a million dollars with me, there was hesitation to consolidate the last account that was barely over $100,000.  …

New Changes for Military Benefits

August 8, 2017

We are probably all aware that military members have some great benefits provided to them, including health, retirement and education support. However, there are some big changes coming to the military retirement system starting the first of the year that will affect almost all personnel currently serving. Currently most military members are under the “High…

To Infinity and Beyond

July 25, 2017

With all due respect to the second and third Toy Story movies, it’s hard to beat the first one. One of my favorite scenes is when Buzz Lightyear convinces everyone that he can fly.  Through a series of fortunate events, he floats around the room, assuring everyone present of his aerial abilities. As Buzz floats…

Half Way There

July 10, 2017

Making it to the halfway point in 2017 provides us with a great opportunity to reflect on the first half of 2017 and see what we have accomplished. For some, you won’t believe the amount of life you have been able to pack into half a year, filled with mostly good things, but probably some…

The Fiduciary Rule is Live

June 26, 2017

Lots of questions rolling my way on social media this week about the "Fiduciary Rule" that recently went into effect.  If you have picked up a newspaper or turned on the news then you have certainly seen something on it.  All of us a Total Advisor take a “cut through the crap-ola” approach to…well, everything!…