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.
Announcement: New Hires
Round Table Wealth Management is pleased to announce the hiring of the newest members of our advisory team—Aimee Adler and Justin Giacona! Both will assist with our clients daily needs and support the firm’s wealth advisors. Welcome and Congratulations!
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 [...]
Announcement: New Hires & Promotions
Like many of our colleagues have experienced within the RIA industry, 2021 was a great year in terms of growth. As a result, Round Table Wealth Management is thrilled to announce the hiring of two new associates and the promotion of two others within the firm [...]
“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 [...]
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 [...]
The Behavior and Performance of Today’s Economy. A discussion with Chief Economist Mickey D. Levy, PhD
Dr. Mickey Levy of Berenberg Capital Markets. Dr. Levy will share timely insights on the behavior of today’s economy and performance outcomes.
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.
Webinar: U.S. Expat Investing and Financial Planning
American expats around the world face many obstacles to successfully growing their wealth. These cross-border financial planning issues are complex, but do not have to be overwhelming.
Webinar: U.S. Expat Investing and Financial Planning
American expats around the world face many obstacles to successfully growing their wealth. These cross-border financial planning issues are complex, but do not have to be overwhelming.
The Great Retirement: What Is Your Plan? 6 Important Factors You Need To Consider
This webinar will discuss the Great Resignation phenomenon and the decisions that many face as they consider retirement.
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.
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 [...]
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 [...]
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 [...]
Rising Rates: A Blessing in Disguise for Bond Holders
With the recent increases in interest rates, many investors begin to question their allocations to fixed income. These questions and doubts are not without reason: bond values move in the opposite direction as interest rates, so if rates continue to increase, it is only natural to assume that bond [...]
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 [...]
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 [...]
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 [...]
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 [...]
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% [...]
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 [...]
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, [...]
