Financial Wellness

July 27, 2017
In today’s competitive hiring environment, it is important for businesses to offer their employees competitive benefits in order to lure and retain top talent.

Many companies offer employees benefits packages that include savings plans, pensions and stock options, but employees are often left to their own devices when implementing decisions on their financial future. Read more

Active vs. Passive Investing – An Unbiased Look at The Two Strategies

July 5, 2017
Active and passive management are talked about a lot these days. With all of the rhetoric, we rarely see anyone truly going through the two strategies without pushing for an angle or adding a sales pitch to the end. This can make it difficult to wade through the noise. This hasn’t served us well, so let’s make a change. How about an article that purely delivers the facts about each method and lets the reader digest and conclude for themselves what is the best way to invest money. Read more

IRS Advantages with Life Insurance

June 15, 2017

Nothing is certain except death and taxes, Benjamin Franklin once wrote. However, life insurance policies can afford us a brighter outlook by providing strategies to reduce taxes. Making the choice to purchase life insurance is a decision to protect your loved ones and help them maintain their quality of life. When establishing this legacy for a partner or child, it is important to consider the tax minimizing incentives of different policies.

Read more

Shedding Light on Potential Tax Reforms

February 16, 2017
It’s safe to say that the last 90 days have been trying for many Americans. Don’t despair, there may be some good news about tax reforms. We could be facing the first significant tax reform since 1986!

Let’s shed light on some exciting possibilities:
– Elimination of the ACA Surtax: as you know there is currently a 3.8% tax on income above $200,000 ($250,000 filed jointly) for the Affordable Care Act. Read more

Brexit Update from Insight Wealth Strategies

June 27, 2016
After weeks of speculation and debate over the so-called “Brexit”, British citizens have voted to withdraw from the European Union. As is often the case when it comes to an ominous headline, media outlets are abuzz with “experts” making predictions. The initial reaction has been a sell-off in global equities. As your advisors, we would like to offer additional information that may put Thursday’s vote into perspective.

Read more

The New Tax Numbers For 2016: Infographic

April 26, 2016
Knowing your IRS tax rate and rules that apply to 2016 are crucial.  They can have a major impact not only on your income tax returns but on your retirement and estate planning.

The positive news is that many of the key rates have not changed.  We have prepared a useful and convenient chart here which enables you to quickly review them all in one place.

Read more

Market Overview and Strategy Change – March 2016

March 28, 2016

As we had anticipated, 2016 has been an interesting year for the markets. Volatility returned in January as the major indexes declined over 10%. Staying invested in a diversified portfolio paid off as the major indexes regained nearly all of those losses over the last month.

Although we have recently seen a reduction in market volatility, there are still some looming uncertainties which we feel warrant maintaining a conservative outlook for the remainder of 2016. These include; oil price instability, negative foreign interest rates, mixed corporate earnings, and the presidential election in November.

Read more

Are You Aware of the Upcoming Social Security Deadline?

March 2, 2016

Do you know if it will affect you?

As you are probably already well aware, figuring out when to start your social security benefits is no easy decision. Unfortunately, it has recently become a little more complicated. In October of 2015, congress passed the Bipartisan Budget Act of 2015. There was an addition to the Act that will affect Social Security Benefits, and could mean changes to your plans for claiming benefits.

Read more

2nd January 2016 Market Update

January 4, 2016

As of the writing of this letter, the market as a whole has continued its decline to around a drop of 10% year to date and close to 15% from the 2015 highs. Oil continues to dominate the headlines as it has fallen through $30 per barrel of West Texas Intermediate, nearing $25 per barrel and is anyone’s guess as to where it will end up. The good news is that we have taken steps to limit our portfolio exposure to energy and the high yield credit sector which are closely tied to the price of oil. Although we don’t think the current market trend is indicative of how the year will finish, the storm has yet to pass.

Read more

Market Overview – 1st Quarter 2016

December 28, 2015
This year has been an interesting one for the markets. The major US stock market indices spent the first 8 months of the year trading in a narrow range as economic data and corporate earnings were mixed, commodity prices slumped and the fed sat poised to raise interest rates for the first time in a decade. Then August brought a turndown in US stocks as a mini crash in China sparked fears that the world would fall into global recession. With that came a return of volatility which has since subsided but has left the market nearly flat for the year as investors look cautiously ahead.

Read more