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Fee-Only Advisors and Incentives

Posted on: June 26, 2018| Posted by: Jon Powell | Financial Planning, Major Financial Decisions

Incentives are one of the most powerful economic forces in the world. It doesn’t matter what industry you’re looking at, you can typically draw a straight line between the incentives offered to an individual and the way they go about performing their job. Take for example a problem Fedex had many years ago. Logistically, Fedex […]

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Fixed Income Investing in an Era of Rising Interest Rates

Posted on: March 29, 2018| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

Let’s talk about bonds for a minute. Occasionally, we get asked about what the future prospects are for bond investors. Sometimes with the implication being: “Should I be invested in bonds at all?” For the past decade, we’ve lived in a very low interest rate environment, relative to historical averages. (Click charts below to enlarge) […]

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Recent Market Volatility

Posted on: February 9, 2018| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

It’s been grizzly out there. Times like these give me a chance to share my absolute favorite quote about markets. From Bill Bernstein’s book, he recalls how investor Ralph Wagoner explained markets: “He likens the market to an excitable dog on a rather long leash in New York City, darting randomly in every direction. The […]

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It’s Required Minimum Distribution Season

Posted on: December 18, 2017| Posted by: Jon Powell | Investment Decisions, Tax Efficiency

It’s Required Minimum Distribution (RMD) season (or Minimum Required Distribution – MRD, same thing). Beginning the year an individual turns 70 ½ mandatory distributions from certain tax-deferred retirement accounts must begin. Each year, the amount required to be distributed increases as a percentage of a retirement account’s balance. This percentage starts out small – about […]

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The Wall Street Journal & Morningstar Are Fighting

Posted on: October 27, 2017| Posted by: Jon Powell |

The Wall Street Journal and Morningstar are fighting. On Wednesday, an in-depth piece ran in the Wall Street Journal that attacked Morningstar’s rating metrics as being misleading and causing individuals, advisors, pension funds, and endowments to make poor decisions about where to invest. Later that day, Morningstar issued an aggrieved response that claimed that the […]

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Early Fall Update To The Trump Tax Plan

Posted on: October 3, 2017| Posted by: Jon Powell | Current Events, Tax Efficiency

Once again, the President and several officials placed in charge of revamping the US tax code have released an outline for what they hope tax reform will accomplish this year. And once again, it is short on crucial details that would let us know the exact ramifications of the policies they aim for. You may  […]

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Equifax Security Breach

Posted on: September 18, 2017| Posted by: Jon Powell | Current Events

By this point, it is news to no one that Equifax was hacked resulting in the personal and financial information of millions of people to fall into the wrong hands. According to reports, some 143 million Americans have had personal and/or financial information compromised by this breach. Equifax has given access to a database in […]

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What to Make of Bitcoin From an Investment Perspective

Posted on: September 10, 2017| Posted by: Jon Powell | Current Events, Investment Decisions

Bitcoin is has been in the news a lot recently. As of August 24th, the price of ‘physical’ Bitcoin had increased by 336%, year-to-date. Of course, as anyone who has looked into purchasing direct Bitcoin already knows, the process of “investing” in Bitcoin is rather complicated and poses a litany of unique risks. However, the […]

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Best Practices Savings Guide

Posted on: July 21, 2017| Posted by: Jon Powell | Budgeting

In most lines of work, you read about “best practices”. Well, let’s take a moment to apply best practices to your finances. You may be just beginning your financial journey, fresh out of college. You may have children or grandchildren that are starting their first real job. Perhaps, you just want to get serious about […]

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Trump Tax Plan Revisited

Posted on: May 11, 2017| Posted by: Jon Powell | Current Events

This article is based on information released in April of 2017 concerning the Trump Administrations plans for tax reform. For analysis concerning information released in September 2017, click HERE. Back in December, we discussed what the Trump tax plan might look like based on proposals offered by the House Ways and Means Committee and published […]

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