Escape Taxes for Generations

New Roth IRA rules this year invite high income earners to join the tax-free party. For them, it’s an income and estate planning opportunity nonpareil. If you have the wherewithal and will to let your Roth span generations, it could help you turn $120,000 into over $5 million with no taxes or penalties. Roth contributions […]

Calculating Financial Aid Can Be Tricky Before College Admission

Many high school seniors already have embarked upon the nerve-racking process of applying to a private college. Historically they wouldn’t worry about college deadlines until after the holidays. Now that we are in the Era of Early Decision, some students must submit applications as early as Nov. 1. Early Decision turns up the heat on […]

The Three T’s of Superior Portfolio Returns

Most investors aspire to superior portfolio performance. It’s what drives us to seek alpha, the additional return of a particular investment over its asset class. But alpha isn’t necessary to surpass your fellow investors. By keeping in mind the 3 T’s — Timing, Transactions, and Taxes — above average returns could be yours. Let’s first […]

Are You Comfortable Taking Risks?

Perhaps the most critical decision you can make about investment management is how much risk to take. Once you have determined an appropriate level of risk, you can start making asset allocation decisions such as the percentage of your portfolio to be held in stocks. This analysis is vital to your financial success as asset […]