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  • Contact Us
  • For Clients

Minimize Your Taxes with Asset Location

Posted on February 21, 2019

Asset location is a tax optimization strategy that takes advantage of the fact that different types of investments receive different tax treatment. To benefit from this strategy, you must have investments in both a taxable account (e.g. a brokerage account) and a tax-deferred account (e.g. an IRA, 401(k) and/or 403(b)). You determine which investments should […]

Filed Under: Newsletter // Tagged: asset location, investing, investment management, portfolio construction, taxes

CDs, Treasuries and the “Yield Curve”

Posted on January 22, 2019

There is an old adage for investors that goes something like, “It’s not what you earn, but what you keep, that matters”. This of course relates to expenses like commissions and fees, but it’s primarily about taxes. After all, taxes are one of the few aspects of investing that you can control. For the fixed […]

Filed Under: Newsletter // Tagged: asset allocation, bonds, CDs, ETFs, mutual funds, taxes, yield curve

Why Bonds?

Posted on January 8, 2019

All of our clients, even the most aggressive investors, own bonds in their portfolios. Why? Because bonds serve a variety of purposes in the construction of a balanced portfolio. They provide income to the investor. The issuer of a bond borrows money from the bond holder (which can be a mutual fund, or an individual […]

Filed Under: Newsletter // Tagged: asset allocation, bonds, fixed income, investing, investment management, taxes

Participating in the Mentor Graphics Share Matching Plan

Posted on December 11, 2018

Mentor Graphics, owned by the German engineering group Siemens, offers its employees the opportunity to participate in the company’s Share Matching Plan.  The enrollment window for the Plan is now open, and closes December 12th.  If you’re planning to participate, you’ll need to act fast if you haven’t already. Here’s what you need to know. Background […]

Filed Under: Newsletter // Tagged: investing, investment management, personal finances, taxes, US, wealth management

About that Old Life Insurance Policy

Posted on December 4, 2018

If you are over the age of 60 and are (or were) married with children, you may own life insurance that you purchased years ago. The life insurance industry sold (and still sells) life insurance to traditional families to protect them from financial insecurity in the event of an income-earning parent’s premature death. For decades […]

Filed Under: Newsletter // Tagged: 1035 exchange, life insurance, personal finances, taxes, variable annuities, wealth management

Your Medicare and IRMAA

Posted on November 27, 2018

This week, some Medicare beneficiaries will receive a letter from the Social Security Administration, letting them know that because of their income, they will pay more for Medicare next year. Since 2007, Medicare beneficiaries whose income exceeds $85,000 for individuals or $170,000 for married couples have paid a Medicare surcharge in addition to their regular […]

Filed Under: Newsletter // Tagged: financial planning, medicare, personal finances, Social Security, taxes, wealth management

Bunching Your Deductions

Posted on November 20, 2018

In a previous post, we highlighted the fact that the 2017 tax law may affect the ability of some taxpayers to receive a tax deduction for their charitable donations, because the law (a) eliminated or reduced many deductions previously available, and (b) significantly increased the standard deduction, making it more difficult to exceed the standard […]

Filed Under: Newsletter // Tagged: charitable giving, financial planning, personal finances, taxes, U.S.

Do Charitable Gifts Still Make Sense Under the New Tax Law?

Posted on November 13, 2018

The 2017 tax law resulted in some important changes to how deductions work for federal taxes. Under the new tax law, many deductions have been eliminated or reduced, while at the same time the standard deduction was nearly doubled – to as much as $26,600 for a married couple filing jointly.  As result, it is […]

Filed Under: Newsletter // Tagged: charitable giving, IRA, personal finances, QCD, Qualified Charitable Distribution, Required Minimum Distributions, RMDs, taxes

Intel’s SERPLUS Election Window is Open

Posted on November 6, 2018

Every year at or near the beginning of November, certain Intel employees are provided the opportunity to participate in the company’s deferred compensation plan, called SERPLUS. It should be noted that, technically speaking, a deferred compensation plan can refer to any program through which employees can elect to have a portion of their income paid […]

Filed Under: Newsletter // Tagged: asset allocation, deferred compensation, investment management, retirement, retirement plans, taxes, wealth management

American Retirees Finally Get a (Small) Raise

Posted on October 23, 2018

The US Social Security Administration recently announced that beneficiaries – including retirees, disabled workers and their eligible dependents and surviving family members – will receive a 2.8% increase in their benefits in 2019. This will be the largest annual inflation adjustment since 2012. The cost of living adjustment (or COLA) for 2018 was 2.0%, and […]

Filed Under: Newsletter // Tagged: financial planning, medicare, personal finances, retirement, Social Security, taxes, wealth management

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OUR LOCATIONS

Our Portland office is conveniently located off the SW Denney Road exit from Highway 217.

6600 SW 105th Avenue, Suite 155
Beaverton, OR 97008

Our Bay Area office is located in downtown Santa Cruz.

615 Water Street
Santa Cruz, CA 95060

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