Category: Newsletter

Periodically rebalancing portfolios is often thought of as a practice of risk control, but it can also provide value to the long-term returns of your asset mix. Investment returns of various asset classes tend to be highly cyclical and the process of rebalancing will naturally reduce the exposure to those that have recently outperformed and… Read more »

We asked and you answered. We surveyed a portion of our Charles Schwab and TD Ameritrade clients during the fall regarding their willingness to use eDocuments and eSignatures and the responses were clear: YES! We have been working diligently over the past few months to fully understand both Schwab’s and TD’s eDocument and eSignature tools… Read more »

Although our staff has returned to the office, please be aware that we are still encouraging virtual meetings and will not be accepting any in-person meetings at this time. Anyone who needs to stop by our office to drop off materials or pick up documents is asked to wear a face mask and adhere to… Read more »

Ronald McDonald House Charities of Western New York is part of a global network of Ronald McDonald Houses and programs that serve nearly 6,000,000 children and families annually. Since 1974, their network of local chapters has been making children happier and healthier by keeping families together and giving them a place to rest and heal.… Read more »

For 2021, Medicare coverage open enrollment is from October 15, 2020 through December 7, 2020. Medicare Advantage open enrollment is January 1, 2021 through March 31, 2021. During the annual enrollment period (AEP) you can make changes to various aspects of your coverage: Switch from Original Medicare to Medicare Advantage. Switch from Medicare Advantage to Original Medicare (plus… Read more »

Third Quarter Market Recap Despite choppiness in September, equity investors saw solid gains during the third quarter. The S&P 500 Index rose 8.9% in the quarter and recovered all its losses for the year. Underneath the surface, mega-cap growth names continue to lead the U.S. market. Without the 42.5% year-to-date price return of the six… Read more »

There are several tax incentives for higher education expenses that are available to taxpayers of various income levels. We have summarized a few incentives available which we see with our clients most often below: The American Opportunity Credit:   Calculation of Credit: The American Opportunity Credit allows for a maximum annual credit of $2,500 per… Read more »

Have you or a loved one ever experienced a family health emergency where a decision for care needed to be made quickly and the idea of navigating the myriad of questions (Where should they go for care? How long will they need to stay at a facility? Who will manage their home and financial affairs… Read more »

Although history can be a helpful guide, the future holds no promises. That being said, it is not worth trying to predict the future and certainly it is not worth subjecting the long-term success of your financial plan on the speculative results of who will potentially win the Executive Branch. Much happens during the traditional… Read more »