Our team of skilled professionals share their expertise on financial planning, wealth management, investing, the economy and the latest market trends.
Insights and Interests
Saving for Retirement
Saving for retirement today seems to have more challenges than for previous generations. Factoring in the many different types of retirement savings vehicles and rules for each, it’s no surprise that many feel overwhelmed when thinking about retirement. In this month’s Insight, we discuss some challenges to overcome when thinking about retirement savings and dig into the details of the types of retirement accounts available.
Whether you or someone you know is getting close to the Medicare eligibility age, our insight into the fundamentals of Medicare is a great resource for information to help you understand this complex subject. This article offers an overview of the various components as well as details on working past age 65, how to enroll, and pay for Medicare.
Understanding Equity Compensation
In this Private Capital Management Insight, we explain common types of equity compensation plans. This insight clarifies the differences in the acronym jumble that is equity compensation, RSUs, NQSOs, ESPPs, etc. We also discuss some of the tax advantages, as well as tax pitfalls associated with equity compensation.
Do you have a new baby in the family? If there’s been a birth or adoption in Colorado since January 1, 2020, this applies to you! Get a jump start on saving for college with a $100 gift, plus a $5,000 match from CollegeInvest, the Colorado 529 savings program. Get the details from the link below!
Social Security cost of living increase will be 8.7% for 2023, this increase is not limited to people already receiving Social Security benefits. Additionally, other parts of the Social Security system: the wage base, earnings cap, and Medicare surcharge will be similarly impacted. Reference the full insight for more details.
Life insurance can play an important role in the risk management component of your financial plan. Life insurance and its cousin, disability insurance, protect your most important asset – you.
Graduation season is here and reminds us of the importance of education planning for our clients and their families. The task of preparing to send your student to college may seem daunting and there are many factors that should go into the decision, but active forethought and planning are crucial to properly financing your child’s education.
Insurance has been on many peoples’ minds lately driven, in a lot of cases, by the myriad natural disasters and spikes in vehicle and parts related thefts occurring over the last couple of years. Disasters such as the Marshall fire that occurred just west of Denver in December 2021 and destroyed 1,084 residential structures, and the deep freeze that affected all of Texas and much of the Midwest February 2021, are just a few of the recent events that have taken a significant toll. The loss of life and economic damage from these events were catastrophic for those impacted. And although events such as these are out of our control, there are things that can be taken away from these events and things that you can do proactively to help minimize your potential for financial loss.
Having a deadline is helpful to many of us. In such a busy world with so many things coming at us from different directions it is easy to put things off that don’t have a deadline. Most who are charitably inclined are passionate about the charities they support and often times are able to contribute additional funds because of the resulting tax benefit. The December 31st tax deadline, however, has moved most of us in the direction of gifting when that deadline nears. As that deadline nears this year, we encourage you to consider how your charitable ideals are being incorporated into your overall financial plan.
Estate Planning Basics
Estate planning is a topic shrouded in myth, misinformation and emotion. Though the details can get complicated depending on specific situations, there are basics that provide a foundation for good estate planning. This piece will outlines:
- The four main methods property is distributed upon an individual’s death;
- The important components for an estate plan; and
- Why having a personalized estate plan is vital.
View all of our past Insights and Interests
Third Quarter 2023
Diversification was elusive last quarter as better-than-expected economic data was overshadowed by falling stock prices and negative bond returns. Dive deeper with our timely insights and trends influencing your investments in our latest commentary
Second Quarter 2023
Mega cap tech stocks continued their massive outperformance in the quarter, propelled by encouraging economic data and a renewed interest in artificial intelligence. Investors wonder whether higher valuations will finally cool the market’s enthusiasm or if the second half of the year will bring more gains. Dive deeper with our timely insights and trends influencing your investments in our latest commentary.
First Quarter 2023
Stocks and bonds rebounded strongly in the quarter fueled by lowered interest rate expectations. The global economy likely grew during the quarter, buoyed by demand from the U.S. consumer and China’s reopening.
Fourth Quarter 2022
Stocks and bonds rebounded in the quarter but ended the year on a sour note. Decelerating global growth outweighed inflation concerns as investors became increasingly anxious about an economic slowdown.
View all of our past Quarterly Newsletters