Dealing with Tax Uncertainty

This week, the Senate will consider tax reform in the wake of its passage in the House. Washington watchers of all stripes are showing legislative forecasting fatigue. Congress has been embroiled in debate on tax reform, the future of the Affordable Care Act and other topics. Little substantive legislation has been passed. With tax reform […]

Doing Good With Your Investment Dollars

We are in the midst of a historically long period of growth in the US stock market.  Yet the euphoria for many Colorado investors is tempered by questions about our country’s future.  If you have followed classic advice about diversified investments, it’s likely that you own shares in companies behind initiatives not aligned with your […]

A Dollar Is Rarely Worth a Dollar

Last week University of Chicago Professor Richard Thaler won the Nobel Prize in Economic Sciences for his work in the growing research area of behavioral economics.  Unlike many Nobel Prize winners, much of Thaler’s work is relatively easy to understand by the layperson and can be widely used to improve our lives. Much of Thaler’s […]

Are Airline Flyer Miles Worth Your Time?

As our recent cool weather in Colorado reminds us, fall is here and snow is near.  While many of us take it as a signal to get our skis ready for the season, it may spur you to plan a warm weather vacation for when the days are short and frigid.   Instead of having to […]

Buying Low Sounds Easy, But Is It?

Buy low and sell high.  It’s an oft-repeated phrase that is so banal, financial advisors are almost loathe to repeat it lest we sound common.  Anyone who’s glanced at the business pages or made it through a chapter in a personal finance book knows that buying investments that are priced low, and selling them when […]

The Best Identity Theft Protection May Be Free

-By Dave Gardner Personal data breaches have become a part of our daily lives.  It’s likely in the last few years that your personal information has been stolen.  If you think you’re immune to identity theft or just lucky, let’s review some of the most prominent identity hacks of the past few years. Over 70 […]

How Much are You Worth?

Now that 2015 is in the books, I encourage you to prepare (or update) your personal net worth statement as of the end of the year. If you have never done this, you are not alone. Everyone knows how much they’re paid, fewer know value of their homes, and small minority understand their net worth […]

Fast Access to Your Money

There are times you need quick access to a significant amount of money. Your finances may be strong overall but your assets may not be easily reached. There are many balance sheet millionaires who would find it challenging to come up with $50,000 cash on short notice. It could be that most of your funds […]

Key Moves After a Quarter to Forget

The third quarter was the poorest one in years for many stock asset classes. We’ll take a look at market performance and a strategy to consider if some of your investments have declined, as they likely have, in your taxable account. It’s been a while since we’ve considered our Laid Back Portfolio. Laid Back is […]

What To Do About This Market

For the first time in over three years, we have a correction in the US stock market. With the S&P 500 down about 10 percent from its high, one of longest positive markets in history ended its run.