Supporting Local Organizations in our Community
Modera’s Atlanta team supported CHRIS 180 in their mission to heal children and families through holistic, trauma informed health services.
Helping Hands
Colleagues from Modera’s Florida office supported Habitat for Humanity of Citrus County in November by participating in various hands-on home building activities.
Assembling Care Packages
To brighten the holidays for patients of the Dana Farber Cancer Institute, Modera’s Boston office assembled chemo care packages, which were delivered directly to the Blum Center at Dana Farber.
Delivering Holiday Cheer
Modera’s Florida office helped bring joy to the children served by The Boys and Girls Club of Citrus County and the Citrus County Family Resource Center, with a bounty of gifts for the holidays.
2019 Q4 Investment Perspectives
In 2018 everything seemed to decline while 2019 was a year in which most investments gained significantly. It’s times like these that drive home how and why we emphasize and stress having a consistent and intentional strategy.
New Year, Fresh Start: Improving Your Financial Health in 2020
Changing your lifestyle or improving your health – in this case, your financial health – takes significant time and effort. Instead of trying to overhaul your entire life all at one time, it might be prudent to take it one step at a time. Alone, improving and maintaining your financial health is not as difficult as you may think. Yes, it will take some dedicated time in the beginning, but once you are set up it becomes mostly a matter of “checking-in.”
Tax Loss Harvesting – Finding the Silver Lining in Turbulent Markets
Short-term market returns are notoriously unpredictable (consistently inconsistent, you could say). When our team at Modera is monitoring our clients’ portfolios, it’s with an eye towards maintaining a strategic mix of stocks, real estate, bonds, and bond diversifiers over the long run. However, short-term market movements can create tax opportunities, and I want to highlight some of the work we do in tax loss harvesting that you may not be aware of.
To Gift or Not to Gift?
Like many parents with adolescent or grown children, you may want to give them a financial jumpstart on their lives. You might help them to get their first car. Pay for their college or grad school tuition. Get them a foot in the door of their first home by contributing toward the down payment. Give them seed money to start a business. If you can easily afford to help your child without affecting your own future wellbeing, you may want to make a financial gift with no strings attached. Keep in mind however, there are limitations regarding how much can be gifted to someone without incurring a gift tax, which is the obligation of the giver.
Giving Them Wings: Advice on Launching Adult Children to Financial Independence
Like every parent, you want your children to become happy, self-sufficient adults. But once childhood, adolescence, and college are over, what happens next? How do you guide your kids to become financially independent grown-ups who are able to navigate the ins and outs of budgeting, paying the bills, and saving for their own futures?
Year-End Tax Reduction Strategies for Business Owners
As we’re almost at the end of the year, the time is ripe for business owners to make moves to reduce their tax liabilities for 2019. Here we touch on some of the strategies we recommend to our clients. While none of these should come as a surprise, we feel it never hurts to mention them.