Joy Zaykoski, Author at Modera Fee-Only Financial Planning

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.

Joy Zaykoski2019-11-19T22:17:52+00:00Good to Know|

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.

Joy Zaykoski2019-11-19T22:13:25+00:00Good to Know|

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?

Joy Zaykoski2019-11-19T22:09:39+00:00Good to Know|

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.

Joy Zaykoski2019-11-19T22:08:34+00:00Good to Know|

Changing the Landscape

On September 10, colleagues from our Charlotte office dug in for a maintenance project at Independence Park, working side by side with the park’s Horticulture Team to trim trees, clear away debris, pull weeds,

Joy Zaykoski2019-11-12T22:19:27+00:00Community, Modera, North Carolina|

Helping People Get Healthcare

Modera is proud to support BVMI (Bergen Volunteer Medical Initiative), an organization that provides health care at no cost to qualifying low-income adults with no health insurance. At the organization’s 10th Anniversary Gala Celebration

Joy Zaykoski2019-11-12T22:20:41+00:00Community, New Jersey, NJ Bill Houck|

Putting in the Legwork for Juvenile Diabetes

On Saturday, October 5, Mark, from our Atlanta office, went to Florida as the leader of a 31-person Georgia cycling team to participate in the JDRF (Juvenile Diabetes Research Foundation) Ride for the Cure

Joy Zaykoski2019-11-12T22:22:08+00:00Community, GA Mark Willoughby, Georgia|

Supporting the Troop

Jeanne Owens is the leader for her daughter’s sixteen-member Girl Scout troop, and also serves as the group’s treasurer and cookie mom

Joy Zaykoski2019-11-12T22:22:39+00:00Community, New Jersey, NJ Jeanne Owens|

Zero Commission Trades: Is there really a free lunch?

You may have seen the recent news that major brokerage companies like Fidelity, TD Ameritrade, and Charles Schwab are now executing equity trades with no fees. At first glance, this announcement may seem to be good news, but perhaps with potential caveats.

Joy Zaykoski2019-11-12T22:26:21+00:00Good to Know|

Year-End Checklist: Re-visiting your Financial Health in 2019

Now that we’re in the last quarter of the year, there are some areas to focus on to ensure you close out 2019 with a bang. Use this checklist as a guide to assess your financial wellbeing.

Joy Zaykoski2019-10-22T20:39:35+00:00Good to Know|

jzaykoski

About Joy Zaykoski

Tax Loss Harvesting – Finding the Silver Lining in Turbulent Markets

To Gift or Not to Gift?

Giving Them Wings: Advice on Launching Adult Children to Financial Independence

Year-End Tax Reduction Strategies for Business Owners

Changing the Landscape

Helping People Get Healthcare

Putting in the Legwork for Juvenile Diabetes

Supporting the Troop

Zero Commission Trades: Is there really a free lunch?

Year-End Checklist: Re-visiting your Financial Health in 2019

Tax Loss Harvesting – Finding the Silver Lining in Turbulent Markets

To Gift or Not to Gift?

Giving Them Wings: Advice on Launching Adult Children to Financial Independence

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