Viewpoint


Free Credit Freezes Available Soon

The massive Equifax data breach occurred approximately one year ago, resulting in the theft of Social Security numbers, birthdates, names, addresses, and in some cases driver’s license numbers.  The number of individuals involved was staggering, nearly 147 million.  Shortly following the breach, Scott wrote a Viewpoint outlining potential countermeasures for […]


Donor-Advised Funds

Although we consider ourselves money managers, not experts on taxes or charitable giving, we think our clients should be aware of a potential tool for optimizing tax and gifting strategies. Donor-Advised Funds (DAFs) are charities whose purpose is to help donors give money to other charities.  They have existed for […]


Retirement Savings vs. Education Savings

In most households, retirement and college savings are at the top of the priority list of financial plans.  Many parents ask if it is possible to pay for their kids’ college education and still afford to retire comfortably.  Conventional wisdom tells parents to prioritize their retirement savings before helping their […]


Advantage Gambling

Sports gambling is a hot topic right now.  On May 14, by a 6-3 decision, the Supreme Court overturned a federal law that effectively outlawed most sports gambling.  The law included a few exceptions, the broadest being granted to Nevada. New Jersey, the home of Atlantic City, challenged the law […]


Tax Law Changes that May Affect You

  Single Filers Old Law   New Law Tax Bracket Taxable Income   Tax Bracket Taxable Income 10% Up to $9,325 10% Up to $9,525 15% $9,326 – $37,950 12% $9,526 – $38,700 25% $37,951 – $91,900 22% $38,701 – $82,500 28% $91,901 – $191,650 24% $82,501 – $157,500 33% […]


Misadventures in Volatility

When the stock market fell 10% recently the biggest losers weren’t stock investors but rather volatility sellers.  Stock investors can’t be seriously harmed by a simple correction.  Even aggressive, margined investors can survive a 10% decline.  Brokers are smart enough not to make margin loans that become potentially uncollectible in […]


Bitcoin Smells Like a Tulip

Tulips are a beautiful flower with a rich history.  They were introduced to Europe in the mid-1500’s from the Ottoman Empire.  They gained popularity in what became the Netherlands in the late 1500’s and became a status symbol due to their unique colors.  After a virus caused petals to incorporate […]


Year End Checklist

With 2017 drawing to an end, most people are in the midst of winding down work projects, making holiday plans, and double-checking their Christmas lists.  Therefore, as the chaotic holiday season quickly approaches it is easy to put off financial decisions until after the New Year.  However, the final weeks […]