Author - Michael Helveston, CFP®, CRPC®

1
What is the Future of the Stock Market after the Election?
2
Want to Make More Money Investing? Try Maximizing Your After-Tax Return
3
Tax-Efficient Benefits of Exchange Traded Funds (ETF)
4
Organize Your Financial Documents With These 10 Helpful Categories
5
Are You Working With an Investment Advisor or a Financial Planner?

What is the Future of the Stock Market after the Election?

The Uncertainty is Behind Us – Is Now the Time to Rally?

All year long I have fielded questions like, “Will the market go down if (fill in either candidate) gets elected? Should I be doing something with my portfolio now?”

Unexpected events or unknown problems typically cause the biggest drops (and sometimes fastest recoveries) in the market. Take 2008 for example; a near collapse of the banking system. While some may have seen the warning signs, I don’t think many knew how bad things had become. Alternately, take the recent Brexit vote in June; the market dropped …

Read More

Want to Make More Money Investing? Try Maximizing Your After-Tax Return

Saving money on taxes has the effect of compounding, giving you more to invest.
Benjamin Franklin famously said, “A Penny Saved is a Penny Earned” and we couldn’t agree more. Investors are always looking for ways to grow their account balances. Reducing their tax bill might be the simplest way.
Here are a few ways to get more out of your investments by paying less in taxes:

  1. Long-Term Capital Gains – Hold investments a year or longer and gains are given favorable tax treatment over short-term gains (less than 1 year) which are taxed as ordinary income.
  2. Qualified Dividends
Read More

Tax-Efficient Benefits of Exchange Traded Funds (ETF)

Exchange Traded Funds (ETFs) have been around for a while now and come in all different shapes and sizes. While many investors choose them for their diversification, low cost and intra-day trading flexibility, I believe the biggest single advantage of ETF’s may be tax-efficiency.

The largest tax benefits come from well-diversified index-like ETFs. Similar to index mutual funds, many ETFs have low turnover and as a result don’t typically pass capital gains distributions on to shareholders. If you have ever held a mutual fund that was at a loss for the year but then paid a big distribution that you …

Read More

Organize Your Financial Documents With These 10 Helpful Categories

Can you quickly locate last year’s income tax return? Do you have the contents of your wallet and your account information recorded somewhere in case it is stolen? Can you find your homeowners insurance policy? If you can’t answer ‘yes’ to these three questions – don’t panic – but you may need to take some important steps towards getting organized.

The benefits of organizing your records include simplifying your finances, reducing stress, being prepared for unexpected events and having more time for fun activities. You will need to identify what to keep, who will maintain the records, where to keep …

Read More

Are You Working With an Investment Advisor or a Financial Planner?

The Investment Advisers Act of 1940 states that an ‘…‘‘investment adviser’’ means any person who, for compensation, engages in the business of advising others, either directly or through publications or writings, as to the value of securities or as to the advisability of investing in, purchasing, or selling securities…’

Unfortunately, there is little regulation over what people giving financial advice can call themselves – adviser, advisor (yes, there is a difference), financial consultant or wealth manager – just to name a few.  Therefore, even though we have this definition above there is much confusion among consumers.

Investment advisors are often …

Read More

Copyright 2014 FiGuide.com   About Us   Contact Us   Our Advisors       Login