9 Smart Tax Saving Strategies for High Net Worth Individuals

The Tax Cuts and Jobs Act (TCJA) voted by Congress in late 2017 introduces major changes to the way individuals and businesses file their taxes. Key changes include the doubling of the standard deduction to $12,000 for singles and $24,000 for married couples filing jointly, the elimination of personal exemptions, limiting the SALT deduction to $10,000, limiting Read more »

Market Outlook April 2018

Market Outlook April 2018

Market Outlook April 2018 After a record high 2017, the volatility has finally returned. Last year the market experienced one of the highest risk-adjusted performances in the recent history. In 2017 there were only 10 trading where the S&P 500 moved by more than 1% in either direction, with not a single trading day when Read more »

The Benefits of using an Outsourced Chief Investment Officer

The Benefits of using an Outsourced Chief Investment Officer

In today’s insights, we will discuss some of the key benefits of using an Outsourced Chief Investment Officer.  Outsourced Chief Investment Officer (OCIO) is a growing service, where financial advisors, family offices, endowments, pension funds and other institutions seek an outside firm for help to manage their core assets. Employing an OCIO can be an Read more »

Market Outlook December 2017

Market Outlook December 2017

Market Outlook December 2017 As we approach 2018, it‘s time to reconcile the past 365 days of 2017. We are sending off a very exciting and tempestuous year. The stock market is at an all-time high. Volatility is at a record low. Consumer spending and confidence have passed pre-recession levels. I would like to wish Read more »

The Rise of Momentum Investing

The Rise of Momentum Investing

The Rise of Momentum Investing While the momentum theory has been around for two decades, we had to wait until 2017 to see the rise of momentum investing. The largest momentum ETF (MTUM) is up 35% YTD. And unless something dramatic happens in the remaining few weeks, momentum will crush all major market-cap weighted indices Read more »

Will Emerging Markets Continue to Rally

Will Emerging Markets Continue to Rally

Will Emerging Markets Continue to Rally Emerging Markets are up 26% so far year. But can they sustain the rally? If you invested in one of the large EM ETFs like EEM (iShares MSCI Emerging Markets ETF) or VWO (Vanguard FTSE Emerging Markets Index Fund ETF Shares) ten years ago, you would have earned nearly Read more »

6 Saving & Investment Practices All Business Owners Should Follow

6 Saving & Investment Practices All Business Owners Should Follow

In my practice, I often meet with small business owners who have the entire life savings and family fortune tied up to their company. For many of them, their business is the only way out to retirement. With this post, I would like to offer 6 saving & investment practices all business owners should follow. Having Read more »

End of Summer Market Review

End of Summer Market Review Happy Labor Day! Our hearts are with the people of Texas! I wish them to remain strong and resilient against the catastrophic damages of Hurricane Harvey. As someone who experienced Sandy, I can emphasize with their struggles and hope for a swift recovery.   I know that this newsletter has Read more »

10 ways to grow your savings during medical residency

10 ways to grow your savings during medical residency

As someone married to a physician I happen to have many friends in the medical field. Most doctors have to go through a brutal residency program. The medical residency takes between three and five years. Residents have a very busy working schedule, aggressive learning plan and spend long hours in the hospital. They shift every 3 Read more »

8 reasons why entrepreneurs should open a solo 401k plan

8 reasons why entrepreneurs should open a solo 401k plan

The solo 401k plan is a powerful tool for entrepreneurs to save money for retirement and reduce their current tax bill. These plans are often ignored and overshadowed by the more popular corporate 401k and SEP IRA plans.  In fact, there is a lack of widely available public information about them. Simply put, not many Read more »

5 things you need to know about your Target Retirement Fund

5 things you need to know about your Target Retirement Fund

Target Retirement Funds have become a popular investment option in many workplace retirement plans such as 401k, 403b and SEP IRA. They offer a relatively simple way to invest your retirement savings as their investment approach is based on the individual target retirement dates. In this post I will discuss the 5 things you need Read more »

6 Essential steps to diversify your portfolio

6 Essential steps to diversify your portfolio

Diversification is often considered the only free lunch in investing. In one of my earlier blog posts, I talked about the practical benefits of diversification. I explained the concept of investing in uncorrelated asset classes and how it reduces the overall risk of the investments.  In this article, I will walk you through 6 essential Read more »

15 Mistakes in personal retirement planning

As a fiduciary financial advisor, I help my clients achieve their financial goals and ensure a safe path to retirement. I often encounter issues, which if not resolved on time, can impose serious threats to meeting these life objectives. In this article, I would like to share my experience and guide you through some of Read more »