Will Small Caps continue to rally under Trump Presidency?

Small Cap stocks are a long-time favorite of many individual investors and portfolio manager. The asset class jumped 38% since the last election. Will Small Caps continue to rally under Trump Presidency? Can they maintain their momentum? The new president Trump started with promises for domestic business growth, lower taxes, and deregulation. While details are still Read more »

Municipal Bond Investing

Municipal Bond Investing

What is a Municipal Bond? Municipal bond investing is a popular income choice for many American.  The muni bonds are debt securities issued by municipal authorities like States, Counties, Cities and their related companies. Municipal bonds or “munis” are issued to fund general activities or capital projects like building schools, roads, hospitals and sewer systems. Read more »

14 Effective ways to take control of your taxes

14 Effective ways to take control of your taxes

In this blog post, I will go over several popular and some not so obvious tax deductions and strategies that can help you decrease your annual tax burden. Let’s be honest.  Nobody wants to pay taxes. However, taxes are necessary to pay for pensions, social services, Medicaid, roads, police, law enforcement and so on. Most Read more »

Employee stock options. Part II – Incentive Stock Options

Employee stock options

Incentive Stock Options In the first part of this topic, I discussed the investment and tax treatment of Non-Qualified Stock Options.  In the second part, we will dive into the specifics of Incentive Stock Options. Giving Incentive stock options (ISO) is another way for companies to reward and retain their employees. ISO have more favorable Read more »

Employee stock options. Part I – Non-qualified Stock Options

Employee stock options

What are the Employee Stock Options Employee Stock Options (ESO) are a favorite tool by employers to reward and retain workers. ESO is a contract between the employee and the employer giving the employee the right but not the obligation to purchase company stocks at a pre-determined price in a particular period. ESO are similar Read more »

11 Effective financial strategies for business owners

11 Effective financial strategies for business owners

Eleven ways to boost and protect your wealth Small and mid-size business are the core the of the US economy. Entrepreneurship and creativity have been moving the American economy for centuries. In fact, US has one of the best grooming environments for start-ups and small businesses.  Many flagship consumer brands like McDonald’s, Starbucks, and Apple Read more »

Investing in MLPs – Risks and benefits

Investing in MLPs

What is an MLP? Managed Limited Partnerships (MLPs) have grown in popularity in the past several years. Many U.S. energy firms have reorganized their slow-growing, but stable cash flow businesses, such as pipelines and storage terminals, into MLPs. MLPs are very attractive for income-seeking investors. They must pass at least 90% of their income to Read more »

Investing in Small Cap Stocks

Investing in small cap stocks

A Guide to Investing in Small cap stocks Small cap stocks are an important part of a diversified investment portfolio. They had provided high historical return and diversification, which are key factors in the portfolio management process. Many flagship companies started as small businesses in a local market and evolved to large multinational corporations. Some Read more »

10 Ways to reduce taxes in your investment portfolio

10 Ways to reduce taxes in your investment portfolio

Successful practices to help you lower taxes in your investment portfolio A taxable investment account is any brokerage or trust account that does not come with tax benefits. Unlike Roth IRA and Tax Deferred 401k plans, these accounts do not have many tax advantages. Your contributions to the account are in taxable dollars. This is money Read more »

10 Questions to ask when choosing your financial advisor

10 Questions to ask when choosing your financial advisor

Seeking a financial advice is a major step in achieving your personal and financial goals. Financial advisors have been instrumental in helping clients maintain well balanced, disciplined, long-term focused approach towards their personal finances and retirement planning. Finding a good financial advisor is like finding a personal doctor. The chances are you will stick with Read more »

5 Ways to increase the impact of charitable donations

5 Ways to increase the impact of charitable donations

Traditional Charitable Strategies Charitable contributions are an excellent way to help your favorite cause, your church, a foundation, a school or any other registered charitable institution of your choice. Americans made $373.25 billion of charitable donations in 2015, which was 4.1% higher than 2014. The average annual household contribution was $2,974. In 2015, the majority Read more »

8 Financial planning tips for doctors

8 Financial planning tips for doctors

Introduction Being married to a physician has allowed me to obtain a unique understanding of the costs and benefits to achieving a medical degree.   In this post, we will discuss several practices that can help physicians and other healthcare professionals achieve financial prosperity. What sets physicians apart from other professions? Doctors begin their careers Read more »

High Dividend ETF Strategies

High Dividend ETF Strategies

Introduction The market has been observing consistently declining yields ever since the start of the financial crisis in 2008. In the current low yield environment, 10-year Treasury bond pays a mere 1.6% in interest and S&P 500 yields just above 2% in dividends. Furthermore, we observe negative interest rates in Japan, Switzerland, and Germany. At the Read more »

4 Steps to determine your target asset allocation

4 Steps to Determine your target asset allocation

One of the financial advisors’ primary responsibilities is to determine and document their clients’ target asset allocation. The target allocation serves as a starting point and guideline in diversifying the client portfolio and building future wealth. Clients’ unique financial goals, lifestyle, investment horizon, current and expected income and emotional tolerance to market turbulence will impact Read more »