Feature Articles: Individual Investment Management

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.  

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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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The Hidden Rollover Tax

By Mathew Coyle, CFP®

November 19, 2018Individual Investment Management

Avoid the IRS Rollover Trap! As 2018 rolls to a close, people across the country will "roll over" old IRA, 401k, and company plans....and accidentally cost themselves thousands of dollars in taxes.  What is a "rollover?"...When you move money from one company retirement plan or IRA into another company...

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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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Ignoring Social Security Doomsayers

By Mathew Coyle, CFP®

September 03, 2018Individual Investment Management

Don't Be Fooled by Social Security Doomsayers. The program is healthier than you think - and its problems are much easier to fix than advertised.  Here are 3 facts about the program you need to know! Fact #1: The Fund & Costs

Despite headlines to the contrary,...

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