Modera financial advisers enjoy sharing their experience and counsel in many ways. Here we provide a regularly updated list of articles on a variety of topics we hope will be of interest to you.
The new Setting Every Community Up for Retirement Enhancement (SECURE) Act was passed by Congress and signed into law by President Trump in December 2019. The law will take effect on January 1, 2020.
As financial advisers, we get asked a lot of challenging questions: “How do I make sure I’ll have enough money for retirement?” “What’s a good strategy for lowering my tax burden?” “What’s the best way to pass my business on to my children?” “How aggressively should I invest?” “What if the markets have a downturn?”
We recommend that one should strive to build a diversified portfolio of various assets whose returns don’t all tend to move in the same direction. If one asset class “zigs” while others “zag,” you can potentially offset some of the impact of the declining asset. This often conjures up the old saying “don’t put all your eggs in one basket.”
“What’s the big deal about having a trust anyway?” This is a question I’m often asked in client meetings, though not always in such a brash fashion. Usually the topic of trusts comes up after a client hears that a friend has set one up, which piques my client’s interest.
The price of a college education has risen dramatically over the last few decades – in many cases far beyond the rate of inflation. For example, a $3,000-per-year tuition in the early ‘70s translates to just over $18,000 in today’s dollars. But when I researched a well-known college that cost $3,000 a year back then, I found it now charges between $31,864 and $35,086 a year. And that’s far from the most expensive one.
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.
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