Fee-Only Investment Advisory and Financial Planning Firm Serving Greater Richmond, Virginia
This brochure features 10 principles that can help investors effectively target long-term wealth in the capital markets. Themes include the power of markets, growth of wealth, drivers of returns, global diversification, and investor discipline. Disclosures The information in this material is intended for the recipient’s background information and use only. It is provided in good…
We have had a few conversations with clients lately about what is happening in the US and the world from both an economic and geopolitical perspective. There is a lot happening in fairly rapid succession, some of which are causing the equity markets to become more volatile. While everyone likes volatility on the upside, no…
Is your child spreading their wings and heading off to college? As exciting as this milestone is, it also brings new financial considerations for parents, such as: • Reviewing your estate planning documents and beneficiary designations • Evaluating changes to your cash flow and budget as your child becomes independent • Considering the tax implications…
Join Jennifer and Mike in this enlightening discussion as they dismantle five prevalent myths about investing. From the misconception that investing is only for the wealthy to the belief that high risk always leads to high returns, Jennifer and Mike provide valuable insights and practical advice for both beginners and seasoned investors. Learn why it’s…
Being thankful is often the aspect of Thanksgiving that receives the most focus. While being thankful daily is important, we also want to talk about giving. Americans are generally generous people. Sixty to seventy percent of Americans make charitable contributions each year, while 90% of affluent Americans give regularly to charities each year. While most…
We are often asked about “the market,” and people are always referring to either the Dow Jones Industrial Average or the S&P 500 when they ask that question. But there are other stock markets and many more stocks that can be invested in, outside of the stocks represented in those two indices. The graphic below…
Saving for College with the Virginia529 Tuition Track Portfolio Jennifer Luzzatto, CFA, CFP®, AIF® My daughter is a senior in high school this year, so college is a big topic (and a source of stress) in our household. I cannot quite convince her that no matter the outcome of the college admission process, she…
When Is The Best Time To File for Social Security Benefits? The answer to this question is what I refer to as “My CPA’s Answer.” He always tells me, “It depends” when I ask him a tax question. Social Security filing strategies are much more complex than they appear on the surface. The best way…
Navigating Taxes During Retirement: How Careful Tax Planning Can Save You Money Jennifer Luzzatto, CFA, CFP® There can be several tax planning opportunities during retirement, especially in years when you are not required to make minimum distributions from your IRA, have not filed for Social Security benefits yet or have not started taking pension…
On the front page of the Wall Street Journal today is a headline: “Stocks Decline as Bond Turmoil Spreads, S&P 500 Hits New 2022 Low and Treasury Yields Climb on Fresh Slowdown Concerns” (WSJ, September 30, 2022). As you are fully aware, this has been a really tough year to be an investor. Globally, stock…
We have been receiving a lot of questions regarding I Bonds lately, so I thought I would pull together what I know about them to share with everyone. I Bonds generally stay below my radar because I cannot buy them for client accounts, as they are not available for investment accounts. So, if you love…
It depends on which perspective we are thinking about inflation. Yes, inflation is very worrisome. We are getting a “pay cut” even though the dollars flowing into our checking accounts from salaries and retirement sources have not decreased. It makes us think more carefully about how much we drive and what foods to buy. Inflation…
