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Benefits of Choosing an AIF® Designee

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U.S. News & World Report recognizes the AIF® Designation as one of the top financial certifications. Read 4 Best Financial Certifications here. WHAT MAKES AIF® DESIGNEES DIFFERENT? Is the investment advice you are receiving really in your best interests? Unless your advisor understands and follows a fiduciary process, you can’t really be sure. Even those investment professionals who are required to act as fiduciaries might not have the … [Read more...]

To Be Responsible or NOT

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Hi Everyone, We are being inundated with news about Coronavirus Covid-19 as it relates to our health and to the markets.  As a fiduciary, your interests are my interests. I am watching the news and markets closely. It is important to stay informed and aware of our surroundings.  My daughter is currently in college in the Pacific Northwest at University of Oregon.  Our conversations relate to keeping good hygiene habits, how to travel (since … [Read more...]

What You Need To Know About SECURE Act in 2020

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A new law was passed on December 20, 2019 and became effective January 1, 2020. SECURE is an acronym for Setting Every Community Up for Retirement Enhancement. The act is designed to help more people save for retirement in accounts likes 401(k)s and other tax-advantaged accounts so they don't outlive their money. Here are some of the changes the SECURE Act plan makes for retirees:  It allows individuals to continue making traditional IRA … [Read more...]

Any Sign of Recession? – Susan on Money

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Personally, I think we are a bit away from any real recession. There are a few scenarios that should tell us when we are near: Sharp rise in wages Rising inflation Fed gets aggressive with interest rates Dip in consumer confidence Business becomes cautious about investing in growth In addition, any trade war talks that are prolonged and or a handful of leading indicators weaken (a leading indicator is a factor of economy that … [Read more...]

Relationships: Inflation and the Fed

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When the economy heats up, inflation rises. The Fed will step in and raise rates in an effort to decrease borrowing and increase savings to slow things down a bit. We are in an environment that is tempered with gradual adjustments and one that should allow modest growth with no real threat visible. It is my opinion that we simply need to keep balance across the board. In other words, so long as your house is in reasonably good order, I see … [Read more...]

YEAR-END CHECKLIST FOR CLIENTS FOR TAX SEASON

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To prepare for tax season, here are a few things you will need to keep in mind. Should any of these circumstances apply to you, please notify your advisor to discuss your account. Federal and State Voluntary Withholding – If you have had a change of address in 2017, you must notify your advisor by December 15, 2017, to ensure that withholding amounts can be corrected within the same tax year. It’s recommended that you review your account … [Read more...]

Investor Information

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Dear Valued Investor: During the past several weeks, we’ve seen news headlines dominated by everything from extreme weather to heightened geopolitical risks, with speculation on policy changes in the U.S. an ongoing hot topic. With so many events competing for our attention, how do we know where to focus? As investors, it’s important that as we acknowledge the impact of these worldwide events, we remember to separate our personal sentiment … [Read more...]

To Be Responsible or Not – “Susan On Money”

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To Be Responsible or Not - "Susan On Money" Hi Everyone,     The common thread thus far in 2017, from my vantage point, is responsibility. Who has it and do we want it? Let's look at the social side. Susan Being Socially Responsible Social responsibility is a notion that businesses could and should balance their profit making opportunities with those that … [Read more...]