Dow down 4.6%? Don’t panic.

By J.K. Roberts, CFP, CRPC | February 5, 2018

The Dow Jones Industrial Average dropped 1,175.21 points today. It was the largest point drop in the history of the stock market. The index lost 4.6% of its total value. How should investors react to market news like this? While the idea of a 4.6% drop in your retirement account…

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New Roth IRA Recharacterization Rule

By J.K. Roberts, CFP, CRPC | January 30, 2018

A major change to the tax rules starting in 2018 could leave many paying high taxes on investments that they have lost money on. The new tax law prevents recharacterizations of Roth IRA conversions made starting this year. Going forward, you’re stuck with the tax consequences even if the market…

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Tax Gain Harvesting

By J.K. Roberts, CFP, CRPC | January 25, 2018

Minimizing your taxable liability on investments allows you save more towards your goals. Most people investment in retirement accounts. That means most don’t need to establish a tax harvesting strategy. For those investing in taxable accounts,  establishing a tax loss harvesting strategy is a prudent plan. Tax gain harvesting is…

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Books for Investors

By J.K. Roberts, CFP, CRPC | December 7, 2017

Being a well read financial advisor is critical part of helping clients succeed in their goals. Most of the time, I find myself staring at IRS publications, legal briefs, investment prospectuses, and other densely written technical publications. Reading these tends to dry the eyes and put one to sleep, so…

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How Registered Investment Advisors Are Different

By J.K. Roberts, CFP, CRPC | October 21, 2017

There are about 285,000 financial advisors nationwide. Quick question… how many of them do you think are legally required to put your interests ahead of their own? One would assume the number would be close to 100%. The reality is that only around 10% of all financial advisors in the…

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ESG – Environmental and Social Governance Investments

By J.K. Roberts, CFP, CRPC | October 18, 2017

Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger investors, that percentage rises. Ninety two percent of millennial investors want their money working for causes they believe in. Environmental and Social Governance (ESG) investing isn’t a fad, the market…

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Building a Financial Plan

By J.K. Roberts, CFP, CRPC | September 13, 2017

If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take between 10 and 40 hours. There is a lot of work and it takes years of education and expertise to complete the process. If you’re trying to decide if there…

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