A Gift to Avoid and One to Embrace for the Holidays

With the Senate passing its bill just over a week ago, it seems next year we will have a new tax law of the land.  Speculations runneth over regarding its final form, the consideration of the joint conference committee and both legislative bodies remain before it reaches the President’s desk.  A future column will address […]

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 […]

Accessing Your Retirement Money Early

If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition.  You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty.  But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]

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 You Invested Wisely? Imagine the Worst.

If I had to know just one thing about an investment portfolio, it would be its overall asset allocation.   The portion of your investments in equities (such as stock mutual funds) and fixed-income (such as bond or stable value funds) tells us more about its performance than anything else. Over long periods it’s mattered much […]

Avoiding a Tax Refund

Your tax refund may be the biggest check you receive all year.  It’s like Christmas in April with many taxpayers as the happiness a tax refund check brings to the household exceeds its monetary value.  It’s almost like a 2X giddiness factor: $1,000 back from the IRS feels like $2,000 from anyone else.  And it’s […]

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 […]

Family Financial Conversations over the Holidays

If you’re like most Boulder County residents, you don’t live close to extended family.  In casual conversation it’s almost rare to discover an adult who was actually born here.  Less than one-third of us were born in Colorado (let alone Boulder County) according to the most recent Boulder County TRENDS report.   New residents keep coming […]

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 […]

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