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Integrated Wealth Management
Planning Newsletter - Oct 2021
  • Single taxpayers with taxable income less than $400,000 and married filing jointly (MFJ) taxpayers with taxable income less than $450,000 should not see much change in the taxes they pay as a result of the changes under the new Biden tax plan.

  • Some taxpayers with income below $400,000 and $450,000 could see tax reductions due to the return of the state and local tax deduction.

  • If your income is above this $400,000 and $450,000, expect your taxes to go up.

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Protect Your Personal Liability while Serving on a Homeowners’ Association Board

The tragic loss of life from collapse of the Champlain Towers South in Surfside Florida should be a wake-up call to condo boards across the country. Being on a Homeowners‘ Association (HOA) board is a serious job that comes with it a high degree of responsibility. Board members need to ensure the safety of residents as well as protect themselves. Here are five things you can do to help protect yourself from personal liability while serving on a HOA Board.

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Investing Newsletter - July 2021
  • Staying diversified and disciplined, avoiding market timing, and maintaining a long-term investment perspective is a better course of action.

  • Market timing is the attempt to own stocks when they are rising, sell them high before they fall, and buy them back at lower prices before they rise again.

  • Understanding the history of bear markets and maintaining a long-term focus helps investors remain calm and take appropriate action during corrections.

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Market Review - Q2 2021
  • Equity markets around the globe posted positive returns in the second quarter. Looking at broad market indices, US and non-US developed markets outperformed emerging markets for the quarter

  • Emerging markets posted positive returns for the quarter, underperforming the US and non-US developed equity markets.

  • In developed markets, several currencies appreciated vs. the US dollar, but some, notably the Australian dollar, depreciated. In emerging markets, most currencies appreciated vs. the US dollar, but some, notably the Turkish lira, depreciated.

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Planning Newsletter - April 2021
  • Life Insurance is not complicated. It was made confusing by those that profit from this confusion

  • Every policy is either term insurance or term insurance attached to a savings/investment

  • Insurance is for dying, investments are for living; don’t combine the two.

  • By combining insurance with investments, it is harder to get the cheapest insurance and optimal investment selections.

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Investing Newsletter - Jan 2021
  • In the face of a global pandemic, stock and bond markets performed surprisingly well in 2020.

  • Last year investors experienced one of the swiftest drops and subsequent full recoveries in stock market history.

  • We took advantage of the correction and rebalanced portfolios in March when the market was low. We also took advantage of market lows by executing tax-saving tax swap trades.

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