Cash Balance Plans

A new concept is evolving in the pension world that combines both features of a traditional defined contribution and defined plan. A cash balance plan is sometimes referred to as a “hybrid” plan as it allows for the high contributions of a defined benefit plan, but with the look, feel and portability of a defined contribution plan.

Investing in Index & Target Date Funds: A Closer Look for the Smart Investor

by: Richard B. Freeman, CFP & Theodore D. Schneider, CFA The rise in popularity of investing in passive index funds has occurred for a number of reasons—simplicity, low cost and a “can’t beat the market” perspective. As a result, passive index funds have gained a [...]

“Capital Gains Rate: 20%, 25%, or 40%, should we care?”

House Democrats recently presented a preliminary tax proposal that is intended to help fund President Biden’s proposed $3.5 trillion dollar infrastructure package.  The current proposal targets high earners and corporations through increases in income taxes, corporate and business taxes, as well as estate taxes.  One update [...]

By |November 2nd, 2021|Categories: Blog|Tags: , , |

2021 Reconciliation Bill: Potential Tax Changes

With the 2022 Fiscal Year Federal Budget deadline of October 1st rapidly approaching, House Democrats presented a preliminary tax proposal targeting high earners, wealthy estates, and corporations to fund Biden’s proposed $3.5 trillion infrastructure spending package. While the proposal is significantly more moderate than some of the [...]

By |September 16th, 2021|Categories: Blog|Tags: , |
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2Q 2022 Investment Outlook & Positioning

A discussion on the current state of capital markets, the macroeconomic environment, and the top concerns facing markets today. The team will also outline their outlook across asset classes and address how the firm is positioning client portfolios for the months ahead.

By |April 13th, 2022|Categories: In the News, Webinars|

Top 7 Estate Planning Considerations for US/UK Families

U.S. citizens living in the UK face many obstacles to successfully growing and protecting their wealth. A major concern for many families is estate planning between the two countries. These cross-border financial planning and international tax issues are complex but do not have to be overwhelming. This webinar will address common estate planning issues encountered by American citizens living in the UK and provide an overview of several compliant U.S./UK planning strategies.

By |February 25th, 2022|Categories: In the News, Webinars|
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Dividing Retirement Assets in Divorce with a Qualified Domestic Relations Order (QDRO)

Retirement assets are an important issue in any divorce proceeding. After the marital home, retirement assets often represent the largest category of marital assets to be divided in a divorce settlement.  These assets can include 401(k)s, 403(b)s, IRAs and pension benefits provided by an employer’s defined [...]

By |Categories: Whitepapers|Tags: , |

The Importance of U.S. Listed, UK Reporting Funds for U.S. Taxpayers in the UK

U.S. taxpayers living in the United Kingdom must carefully understand the impact of U.S. and UK tax laws on their investment portfolio. From a U.S. tax perspective, it is essential to invest using U.S. listed investments to avoid the complicated and tax costly U.S. passive foreign investment company (PFIC) tax regime. On the UK tax side, the HMRC reporting fund regulations further restricts tax-efficient options for U.S. taxpayers who are also UK tax residents.

Using Mortgage Interest to Fund Investments: The Interest Tracing Rules

Finding the capital to make investments, whether into your business or other traditional investments, can often be challenging. The more stringent lending rules emanating from the latest economic downturn have made it even more difficult. For many investors, the equity in their home represents a significant source of untapped [...]

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Broker Vs. Investment Advisor: What Are the Differences? Why Is It Important to You?

Both brokers and investment advisors are licensed professionals who assist investors with their financial goals and objectives. Brokers are regulated by the Financial Industry Regulatory Authority (FINRA) while investment advisors are regulated by either the Securities and Exchange Commission (SEC) or their home state regulatory body, depending on the advisor’s [...]

The Shortfalls of ETF Investing

Despite gaining widespread popularity, Exchange-Traded Funds (ETFs) are not an all-encompassing solution; they are just another “tool in the toolbox.” For the do-it-yourself investor, ETF investing has a variety of shortcomings and presents unique challenges: ETFs cannot help an investor determine the proper asset allocation The sheer size [...]

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Quarterly Review – First Quarter 2022

Capital markets retreated in the first quarter, not at an alarming rate, but certainly a deviation from the pattern of positive quarters investors have grown to appreciate. Of the last 50 quarters since the Great Financial Crisis, only 8 quarters generated a negative return and nearly all these quarterly [...]

By |May 3rd, 2022|Categories: Quarterly Review|Tags: , , , |

Quarterly Review – Fourth Quarter 2021

Once again, equity markets had a great year with the S&P 500 posting a 29% return and a 3-year annualized return of 26%! The equity market returns are even more impressive in light of inflation concerns throughout the year, labor shortages, supply bottlenecks and the mutating COVID-19 virus. As [...]

By |January 26th, 2022|Categories: Quarterly Review|Tags: , , , |

Quarterly Review – Third Quarter 2021

As the world emerged for summer vacations, capital markets were relatively calm. However, issues brewing under the surface for much of the year including inflation, a Federal debt limit impasse, supply shortages, shipping logistics and labor shortages all drew increased scrutiny in investors’ minds during September, contributing to heightened [...]

By |October 20th, 2021|Categories: Quarterly Review|Tags: , , , |

Quarterly Review – Second Quarter 2021

We hope you are enjoying summer! The “dog days of summer” were not discouraging the markets as they continued their upward trajectory with all major equity and fixed income indices generating positive performance for the quarter. As inflation concerns waned, growth equities rebounded and outperformed value-style investments by 6.7% [...]

By |August 4th, 2021|Categories: Quarterly Review|Tags: , , , |

Quarterly Review – First Quarter 2021

Capital markets provided mixed returns during the first quarter as value-style indices advanced, growth-style indices lagged and fixed income markets declined. A confluence of factors is creating both tailwinds and headwinds in the markets: Approved stimulus measures and proposed infrastructure spending combined with expanding COVID-19 vaccine deployments and easing [...]

By |April 22nd, 2021|Categories: Quarterly Review|Tags: , , , |

Quarterly Review – Fourth Quarter 2020

We would like to first acknowledge and offer our heartfelt condolences and thoughts to those that lost loved ones or suffered economic hardship during this ongoing pandemic. It was a year like no other. Winston Churchill once said, “If you are going through hell, keep going.” We agree: stay safe, [...]

By |January 26th, 2021|Categories: Quarterly Review|Tags: , , , |
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