Feature Articles: Individual Investment Management

Year End Planning Ideas

By Mathew Coyle, CFP®

December 03, 2019Individual Investment Management

End of Year Planning What to consider before 2020.

Idea #1:  Convert or Fund a Roth IRA: If you earn more than $137k as a single filer or $203k jointly you are not allowed to contribute to a Roth IRA for 2019.  There is however, no limit on...

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Crafting Client Care with DALBAR

By Mathew Coyle, CFP®

November 21, 2019Individual Investment Management

DALBAR - Your Advocate as a Client! Certain industries carry with them elevated levels of scrutiny.  Similar to health care and banking, the world of investment advisory is heavily regulated and layered with multiple levels of checks and balances.  Not all practices are required however, and it pays to understand why a firm would use...

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How to Choose the Right Custodian

By Cindi Bruns

October 29, 2019Individual Investment Management

A custodian is a financial institution that will hold or maintain your securities for safekeeping. In addition to holding securities for safekeeping, the custodian generally offers account administration, transaction settlements, collection of dividends and interest payments, and tax support.

Below are a few...

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Holding too Much Cash

By Mathew Coyle, CFP®

October 29, 2019Individual Investment Management

The Cost of Missing Out. 2008 was a scarring experience for many.  Due to market losses during the great recession, many have avoided stocks altogether causing them to miss the great bull market that followed.  FOMO (or "Fear of Missing Out") is certainly something that may apply in...

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The Wealth Mindset

By Mathew Coyle, CFP®

October 09, 2019Individual Investment Management

As someone who grew up solidly middle class, money was fascinating to me as a child.  How did people afford expensive things?  Is there a "secret" to becoming wealthy?  There are certain questions that only experience can answer.  After 20+ years in financial advisory, a graduate degree in...

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Mortgage Payoff Rules

By Mathew Coyle, CFP®

September 27, 2019Individual Investment Management

One of the most common questions I get from prospective or current clients is whether to retire a mortgage early. Since it comes up often, it's worth writing this month's note on the subject. Here are a few "rules" when it comes to making this decision: Rule...

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4 Reasons to Hate Annuities

By Mathew Coyle, CFP®

September 03, 2019Individual Investment Management

With over 20 years of experience in finance, I've seen (almost) every sales pitch under the sun. From timeshares and teaser rates to penny stocks and partnerships, there's a multitude of ways to "invest" your money - and a never-ending parade of "advisers" who will sell...

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Rates & Your Money

By Mathew Coyle, CFP®

July 16, 2019Individual Investment Management

Recently I was visiting with a prospective client discussing her portfolio.  As we began to discuss the allocations, I spoke briefly about her large bond position relative to her goals and how moves in interest rates may affect her.  I was then presented with a...

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Why DO Stock values Rise?

By Mathew Coyle, CFP®

June 27, 2019Individual Investment Management

Why DO Stock Values Rise? The assertion that stocks are excellent long-term investments is not held by all investors (thank you, 2008!). There are, however, good reasons why values of companies generally rise over time.  

Read on...

Historical Returns: According to Credit Suisse (CS) long term track records of...

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Why Stay Invested?

By Mathew Coyle, CFP®

June 17, 2019Individual Investment Management
Why Stay Invested?

How market timing can kill returns. The market's gyrations are often unnerving, but there are good reasons why you need to be a long-term minded investor.  Whether you're an aggressive growth investor or take a moderate stance, attempting to "time" the market's best days will...

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College Planning Basics

By Mathew Coyle, CFP®

May 21, 2019Individual Investment Management

College Planning Basics Important Facts to Know What are some important planning tips?   Read on...

1. The 529 Plan - Use It! Want to save for college?  Do you have family that would like to gift money for school?  Would you like to do it in the most tax-efficient method possible?  You need to open...

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Be Careful with Company Stock

By Mathew Coyle, CFP®

May 14, 2019Individual Investment Management

Be Careful with Company Stock Understanding rules can save you thousands!

As a form of compensation, many managers and decision-makers are awarded shares of stock within their qualified plans in lieu of income.  This is a welcome perk but can inadvertently cause you additional liabilities...

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Social Security Can be Fixed!

By Mathew Coyle, CFP®

May 01, 2019Individual Investment Management

Social Security Can be Fixed! Why we should keep this valuable program. The death of social security (as advertised) is vastly overstated.  News networks and "financial experts" desperate to sell advertising and attract eyeballs will often exaggerate the death of the program to attract viewers.

First a...

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Dealing with Debt

By Mathew Coyle, CFP®

March 31, 2019Individual Investment Management

Paying Off Debt - All debt is not created equal.

The often-repeated mantra that "all debt is bad debt" demonstrates a fundamental misunderstanding of how money really works.  Here are 3 things to consider:

1.  It's just a tool. The apt analogy here is that of a kitchen knife.  Kitchen knives can be dangerous, but...

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Tips to Avoiding Fraud

By Mathew Coyle, CFP®

March 06, 2019Individual Investment Management

March is a busy time of year for you...and those after your money.  

5 Characteristics of Most Scams: March is a busy month.  The market is usually active, taxes are due in April, and people are busy making financial decisions.  Avoiding scams is easy if you...

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Spending in Retirement

By Mathew Coyle, CFP®

February 13, 2019Individual Investment Management

Spending in Your Retirement. A secure retirement is the combination of careful planning and understanding how taxes will affect you. Diversify Beyond Tax Deferral...Let's be clear - 401k and IRA accounts are valuable tools.  A word of caution however - don't forget to stash additional savings in taxable brokerage accounts, Roth IRAs,...

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Stocks in 2019

By Mathew Coyle, CFP®

January 10, 2019Individual Investment Management

Stocks in 2019. It's important to be realistic about what the market will (and won't) yield following a multi-year rally in stocks.  

Big Gains?  Probably not - but...Various sectors, classes, and industries do not move in unison and this presents opportunities.  For the past decade, lower quality, high growth...

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Accessing Your 401(k) Funds Early

By Mathew Coyle, CFP®

December 18, 2018Individual Investment Management

Accessing 401k Funds Early...Normally you aren't allowed to withdraw funds from a 401k or other retirement plan prior to age 59 & 1/2 without a 10% penalty in addition to taxes owed.  There is however, a notable exception to this rule if you are looking...

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Market Volatility Returns

By Mathew Coyle, CFP®

October 08, 2018Individual Investment Management

With many portfolios flat or slightly down for the year, the 1st and 4th quarters have book-ended a volatile 2018 with 11% and 7% respective sell-offs in the broader market.  What's causing the volatility and is it normal historically? 

What's Causing It?...For most investors, 2018 has felt...

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