Tax Efficiency

Tax Efficiency

What it means; why it counts.   The after-tax return vs. the pretax return. Everyone wants their investments to perform well. But for many investors it’s their after-tax return that may make all the difference. After all, even if your portfolio is earning...
Tax Efficiency

Trends in Charitable Giving

The hows and whys of charity in America.   According to Giving USA 2018, Americans gave an estimated $410.02 billion to charity in 2017. That’s the first time that the amount has totaled more that $400 billion in the history of the report.1   Americans give to...
Tax Efficiency

Diversification, Patience, and Consistency

Three important factors when it comes to your financial life.   Regardless of how the markets may perform, consider making the following part of your investment philosophy:   Diversification. The saying “don’t put all your eggs in one basket” has real value...
Tax Efficiency

Getting a Head Start on College Savings

The hows and whys of college savings.   The American family with a child born today can expect to spend about $233,610 to raise that child to the age of 18. And if you’ve already traded that supercharged convertible dream for a minivan, you can expect your little...
Tax Efficiency

Eight Mistakes That Can Upend Your Retirement

Avoid these situations, if you can.   Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible.   No Strategy. Yes, the biggest mistake is having no...
Tax Efficiency

401(k) Loan Repayment

A longer repayment time can be an advantage.   The conventional wisdom about taking a loan from your 401(k) plan is often boiled down to: not unless absolutely necessary. That said, it isn’t always avoidable for everyone or in every situation. In a true...