The Clarity Formula® – Long-Term Care Insurance
Adults today who are 65 years of age or older have a 70% chance of needing some form of long-term care service or support during their remaining years. Furthermore, with roughly 10,000 baby boomers turning 65 every day, the cost of care is increasing for these already expensive services and support. According to the Genworth […]
In Focus: The Fed’s Inflation Target is Not Yours
Inflation matters in many ways, but most importantly for markets today is the force behind the Federal Reserve’s actions. It’s primary tool to cool inflation is higher interest rates. Higher rates potentially pass through to slower economic growth and may apply additional pressure on fixed income and equity prices. So, in some ways today, the […]
The Clarity Formula® – Estate Planning: An Updated Guide for 2023 Estate Planning
The Tax Cuts and Jobs Act (TCJA) significantly increased the estate exclusion amount (presently $12.92 million for 2023). Under present federal legislation this limit is set to decrease to $5.0 million (adjusted for inflation) in 2026. With the increased gift and estate tax exemption amounts set to decrease in 2026, you may find yourself with […]
In Focus: SECURE 2.0 Act Paves the Way for Big Changes
The SECURE 2.0 Act of 2022 (“SECURE 2.0”) is chock-full of provisions – 92, in fact – aimed at improving Americans’ preparedness for retirement. Like SECURE Act 1.0 (passed December 2019), this latest round of legislation provides workers with greater access to retirement plans and further encourages retirement savings. This article highlights key provisions of […]
2022 Year End Planning
This has been another unprecedented year in many regards. Market malaise may be front and center and on the minds of many, however, that should not serve as an excuse to ignore your personal finances. The end of the year marks a great time to consider planning opportunities that may provide meaningful benefits, if appropriate […]
The Clarity Formula® – Tax Strategies
Despite the highest inflation in 40 years, rising interest rates, and significant losses in both the stock and bond markets, donors have remained committed to supporting the charities and causes important to them. According to Schwab Charitable, in the first 6 months of this year “donors granted $2.1 billion to charities, a 16% increase over […]
The Clarity Formula® – Investment Management – The Satellites
You have heard the adage “Do not put all your eggs in one basket.” This common phrase introduces the idea of diversification. Diversification is a key pillar in portfolio construction and helps to minimize the draw down any one position can have on your overall portfolio. Through the lens of diversification, we believe in a […]
In Focus: Reassessing the Evolving Market Landscape
With the economic fallout including the exacerbation of inflationary forces from the war in Ukraine, CPI at 40-year highs, a flattening yield curve bordering on inversion and a bear market in the S&P 500 index (as of June 13), recession expectations have been steadily rising during early 2022.
Disability and Long-Term Care Insurance
Disability and long-term care insurance are two important types of insurance coverage that tend to go under the radar for many people, but each of these can be critical if you find yourself in a position where you are not able to work or cannot care for yourself. While the circumstances can be unpleasant to […]
In Focus: Russian Invasion of Ukraine
Russia launched a series of coordinated attacks on Ukraine causing increased volatility in global markets and raising investor concern.
In reaction to this event, risk assets retreated as risk-off havens and global commodity markets rallied.