Thought Leadership

You need to have a will if you meet any or both of the following conditions: 1) have a net worth in excess of, say, $10, and; 2) there is any one in the world about…

Both Roth IRAs and Traditional IRAs are great ways for individuals to save for retirement with tax breaks to incentivize doing such. There are several differences between a Roth and traditional IRA such as a Roth…

Asset allocation is an investment strategy that whether they know it or not, every investor uses. Asset allocation essentially is the diversification of a portfolio across non-correlated asset classes that will produce the maximum return for…

Written by: Sam Clement, Portfolio Manager The total return of any asset is made up of: 1) the income the investment generates, and; 2) the principal appreciation. How do you want your return? Assume the stock…

To understand the difference between the two, it is best to understand what each is. The following definitions are from Investopedia.com. A trustee is: “A trustee is any type of person or organization that holds the…

The quick answer is: yes, you can hold real estate in an IRA. However, a better answer is: yeah, but there is a catch, if not catches. First, your IRA cannot buy property from or sell…

Written by: Sam Clement, Portfolio Manager Mutual Funds and ETF’s are actually very similar; however, they have a few distinct differences that may make one better than the other for certain investors. Both Mutual Funds and…

There isn’t a ‘one-size fits all’ amount you should save for retirement. There never has been and never will be. People are different. They have differing definitions of retirement, spending patterns, priorities, number of beneficiaries, etc.…

A lot people have an IRA or some other form of tax-deferred retirement account. As the owner doesn’t deplete the account(s) prior to their death, someone else will have to deal with the IRS’s rules regarding…