I enjoy investing in dividend-paying stocks. I have always liked Warren Buffett’s quote –”If you don’t find a way to make money while you sleep, you will work until you die.” This quote emphasizes the…
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While lump-sum investing at a market low seems like the best move, dollar-cost averaging (DCA) still has several advantages that make it a more innovative strategy. Here are 13 reasons why I think it’s more…
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To minimize tax drag and optimize asset location for your investments, consider funding your accounts in the following order: Employer-Sponsored Retirement Accounts (e.g., 401(k), 403(b)) Reason: Contributions are often pre-tax, reducing your taxable income. Employer…
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Clients often ask how we can help their children learn basic financial literacy, and I suggest they start with these four books. I am having my kids read all four once they turn 17, and…
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What does your dream of financial independence look like? For most, it’s living a life where work becomes optional rather than a daily necessity. However, many mistakenly assume it can only be achieved in retirement….
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Investing over Consumption I have always found Warren Buffett’s principles on investing and his quotes very interesting. I have lived by one, so I thought I would share my experience. Also, I wanted to share…
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Credit Card or Debit Card? Are you maximizing your perks and benefits with a credit card? Have you considered using a credit or debit card to maximize your benefits? The debit card is a safe…
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Tax Loss Harvesting An often-overlooked strategy is tax loss harvesting, and I can understand why someone would use this strategy. I always believe that the glass is half full and that turning something negative into…
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When a Roth Conversion Might Make Sense We implement Roth conversions throughout the year as part of our ongoing tax planning management for our clients. People sometimes don’t understand what’s in their Pre-tax 401K and…
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One crucial strategy overlooked in investment management is asset location, which should not be confused with Asset Allocation, which is how many stock-to-bond ratios you own in your portfolio. However, asset allocation is the investment…
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