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Financial Alternatives

Financial Alternatives News and Insights

Integrated Wealth Management
Posts in Newsletters
Investing Newsletter - Jul 2019
  • Stock and bond markets rebounded sharply in the first half of 2019.

  • Over the next 10 years, Vanguard expects stock and bond returns to be lower than the historical averages.

  • Vanguard forecasts higher returns for foreign stocks vs. US stocks during this period.

  • GMO’s 7-year return forecast is lower than Vanguard’s.

  • Stocks, as measured by the S&P 500, have neared their historical average return for only 6 out of the last 93 years – returns have varied widely for other years.

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Market Review – Q3 2018
  • Looking at broad market indices, the US outperformed non-US developed and emerging markets during the quarter.

  • Quarterly Topic: Total Cost of Fund Ownership. The article starting on page 16 illustrates to importance of mutual fund operating costs and that investors should consider going beyond expense ratios when evaluating options.

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Planning Newsletter - Oct 2018

If you have not already completed your year-end tax planning, now is the perfect time to do so. Don’t wait until December when the holiday rush kicks in and you and your advisors have less time to devote to this very important task.

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Market Review - Q1 2018
  • Looking at broad market indices, emerging markets outperformed developed markets, including the US, in the first quarter.

  • Non-US real estate investment trusts outperformed US REITs in the first quarter.

  • Interest rates increased in the US during the first quarter.

  • The yield on the 10-year Treasury note increased to 2.74%.

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Planning Newsletter - Apr 2018
  • The amount you can pass without owing estate taxes essentially doubled as of January 1st thanks to the recently passed Tax Cuts and Jobs Act of 2017.

  • This estate tax provision will expire at the end of 2025.

  • Estate plans based on prior tax law should be re-evaluated to ensure your intentions match the current law.

  • Older estate plans may ultimately cost your beneficiaries more in taxes and/or unnecessary recordkeeping requirements.

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Planning Newsletter - Oct 2017
  • The 10 year anniversary of a record S&P 500 high point is upon us, with several other crisis period anniversaries like the Lehman bankruptcy coming in succeeding months.

  • Reflecting on your experience back then and looking at the recoveries of other financial crises can help prepare you for the next one.

  • The recent tax proposal would significantly change income taxes, but there are many important provisions that have not been specified.

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