Yesterday we got the news that a bipartisan group of ten senators have reached a tentative deal on infrastructure spending. My first reaction is very positive. Could the two sides actually come together and agree on infrastructure? It’s still early in the process, but let’s see if they can get it done. We don’t have […] Read the full article…
Share buybacks are a controversial topic, in part because they are not well understood. This article will explain stock buybacks and summarize key finding from recent research by Two Sigma: Share Buybacks: A brief Investigation. Q: What is a share buyback? A share buyback occurs when a company buys back their own shares in the […] Read the full article…
Consider two phases of wealth management: the accumulation phase and the distribution phase. In the accumulation phase the top concern is to grow retirement assets to meet future income needs. In this phase, income from employment provides for both current spending and retirement investing. Investment decisions focus on building a high confidence plan that ensures […] Read the full article…
The Federal Estate Tax exemption for 2015 is $5.34 million per person. This is projected to rise to $5.43 in 2016. In addition, certain states also have estate taxes and the exemptions may be different than the Federal exemption. For example, Oregon has an Estate Tax with an exemption of $1,000,000 and a tax rate […] Read the full article…
With this final part 3 we will explore three topics. We’ll look at tax costs of the fund, the management of the fund and premium analysis available at Morningstar. Taxes So far, we have reviewed fund performance and risk on a pre-tax basis. If you plan on holding a fund in a taxable account the […] Read the full article…
Asset location refers to your investment assets and the accounts they belong to. We use asset location to minimize your tax bill and increase your after-tax returns. Investment assets are taxed differently based on two things. First, the type of the investment and second, the type of account. For example, dividends on stocks or mutual […] Read the full article…