Give An Inheritance During Your Life? Douglas M. Lynch, CPA, CFA, CFP Creating a gifting strategy to donate assets to non-profits or causes that are meaningful is a standard part of many financial plans – not just estate plans. Giving can begin at any age and is often a family Read More…
Retiring in a Volatile Market
Retiring in a Volatile Market: Control What You Can Douglas M. Lynch, CPA, CFA, CFP Retirement during a volatile market is unsettling. Whether you are on the cusp or have already made the leap, a market downturn’s impact on your savings will be felt now and potentially for years to Read More…
Bucket Approach To Retirement Investing
Time-Bucketing A Retirement Investing Plan Retirement is one of the biggest transitions of life, and it naturally brings up a lot of questions. For many people, the most pressing is whether existing savings will be enough to provide the life they want, for the entire length of retirement. The traditional Read More…
I Bond Update
We put together a video to provide a quick reminder/update on the great opportunity in I Bonds in today’s current high inflation environment. As noted, the current rate of 7.1% will be earned during the first 6 months and it is virtually certain that the rate during the next 6 Read More…
The Federal Reserve vs. Inflation: Round One
Wednesday’s long-anticipated announcement by the Federal Reserve that the key Fed funds rate would increase by 25 basis points and the accompanying statement by Chairman Powell had the immediate impact of reassuring the markets. St. Patrick’s Day may not have brought pots of gold, but after thirteen no-good, very bad Read More…
Qualified Charitable Distributions: A Tax-Efficient Giving Strategy
Supporting charitable organizations is a lifelong habit for many people. But once you get into retirement, there may be additional tax benefits you can take advantage of if you use a qualified charitable distribution (QCD) instead of donating by check. A QCD is a donation from your IRA account directly Read More…
7.1% Rate on A Safe Investment! I Bonds Deserve Attention
Treasury I Bonds are estimated to have a 7.1% rate beginning November 1, 2021. This is much better than comparable alternatives. If you have more than a nominal amount parked in checking & saving accounts or money market funds, you have bemoaned that you are earning 0% (or close to) Read More…
Social Security Is Going Bankrupt!
A thought that many workers including many approaching age 62 (the earliest a worker can file for social security on their work record) is “social security is going broke, I should claim benefits as soon as I can”. Trust in our government and faith in its financial stability is not Read More…
How We Think About Elections & Investment Decisions
The most frequent question I have received in recent weeks has been some form of “Doug, what do you think will happen with the markets given the election coming up?” Experience shows that for every person that asks, there are usually many more with the same question so below we Read More…
Let’s Get Out of The Market Until Things Settle Down!
The U.S. just experienced the six worst weekly jobless claims in history – prior to 2020, the worst reading was 695,000 in 1982. The last six weeks have ranged between 3.3 and 6.8 million jobs lost each week (exceeding the prior record by multiples). First quarter GDP declined 4.8% which Read More…
