When the rules of the game change, tactics should follow in response to the new landscape.
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Revising Estate Strategy Assumptions
You won’t believe what these taxpayers tried to get away with. #IRS #taxes #funny #humor
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Tax Deductions You Won't Believe
For four weeks, the U.S. stock market has sparked and sputtered like a campfire in light rain. Today, pandemic-driven demand is providing fuel for the investors. The need for certain types of products and services has accelerated and...
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Pandemic Creating New Opportunities
Does the 4% rule still work? The answer lies in your goals, time horizon and risk tolerance.
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Retiring the 4% Rule
These 6 things might make your next return a prime target for an IRS audit. #taxes #IRS #audit
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Red Flags for Tax Auditors
On September 17, the 30th First Annual Ig Nobel Prize Ceremony was broadcast online. Here’s a fun fact: The 1995 Ig Nobel Ceremony was one of the first events videocast on the Internet. The Ig Nobel Prizes “celebrate the...
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It's Ig Nobel Time
Considering alternative investments? It’s critical to sort through the complexity. #video
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Alternative Investments - Going Mainstream
A will may be only one of the documents you need—and one of the factors you should consider—when it comes to managing your estate.
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Estate Management 101
Almost everyone has come across a test question they couldn’t answer. Some ingenious souls provide their teachers with some humor instead. British author Richard Benson asked teachers to share their favorite wrong test answers,...
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THE VERY BEST WRONG TEST ANSWERS
In September, stock prices dropped as investors worried about stalled fiscal stimulus talks, the upcoming election, and new European coronavirus cases.
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Monthly Market Insights | October 2020
As complex as the details of taxes can be, the income tax process is fairly straightforward.
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How Income Taxes Work
Last week, the third quarter of 2020 came to an end – and the fourth quarter delivered a doozy of an October surprise. President Trump has the coronavirus On Friday Americans awoke to the news President Trump had contracted...
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Volatility Is Likely To Continue
Bedtime Story: U.S. Federal Tax Code. How many pages have you read?
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Understanding Marginal Income Tax Brackets
Understanding credits and deductions is one of the critical building blocks to making the tax code work for you.
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How to Make the Tax Code Work for You
If you died, what would happen to your email archives, social
profiles, and online accounts?
BRAEBURNWEALTH.COM
Safeguard Your Digital Estate
To manage finances and achieve goals, everyone needs a financial advisor and a plan. Read this article to learn how I can help you build the future you deserve.
ABM.EMAPLAN.COM
Achieve Your Dreams with a Financial Plan
In theory, we think of all money in the same way. In practice, we don’t. Money is fungible. That means one dollar has the same value as another dollar or four quarters or ten dimes or 100 pennies. If you are buying something...
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ONE DOLLAR IS A LOT LIKE ANOTHER, ISN’T IT?
Does it make more sense to push back #retirement, or not to retire at all?
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Should You Ever Retire?
It was a turbulent week for investors. Waves of positive and negative news buffeted financial markets last week: The financial sector delivered upbeat earnings news Currently, many financial companies in the Standard & Poor’s 500...
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Turbulent Week for Investors
Check out this video on taxes. #IncomeTax
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The Facts About Income Tax
Consider a bucket plan to go with your bucket list. #RetirementSavings
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A Bucket Plan to Go with Your Bucket List
Apprehension about the election has many people worrying about how financial markets may be affected by the outcome. Here are some thoughts to ponder: “Election years are not often the best times for stock market investors. Over...
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THE ELECTION IS ALMOST HERE
Developing a retirement strategy? It's critical to know the differences between investment types.
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Traditional vs. Roth IRA
Just like the best athlete needs a coach, even the savviest investor can use insights and advice from a skilled financial advisor.
ABM.EMAPLAN.COM
Achieve Your Dreams with a Financial Plan
Stimulus talks led investors in a merry dance last week. So far in 2020, stock markets have been sensitive to fiscal stimulus. Last week, there was optimism a new stimulus package could be negotiated before the election. There also was...
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Stimulus Talks Led Investors to Dance
There’s no shortage of investment analysis for anyone interested. What’s important to understand?
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Types of Stock Market Analysis
It’s election week, and Americans of all political persuasions are bracing themselves. We’re worried about short-term events and the long-term future of the country. In part, that’s because sharp partisan divides have...
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WE ARE ALL IN THIS TOGETHER
When you choose to take Social Security might impact your retirement income. Find out how. #socialsecurity #retire
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Social Security: The $64,000 Question
Last week, financial markets and economic data told very different stories. Reviewing economic data is a bit like looking in a rearview mirror. Typically, it offers information about what is behind us. For example, last week we...
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Financial Markets Are The Windshield
Many have heard they should avoid probate; do you understand what probate is and how it works?
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Problems with Probate
Get expertise and knowledge from a skilled financial advisor to achieve your goals.
ABM.EMAPLAN.COM
Achieve Your Dreams with a Financial Plan
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
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Put It in a Letter
Does your business have a retirement strategy that fits your short, long-term needs?
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Choosing a Retirement Plan that Fits Your Business
Just entering retirement? Here's what you need to know.
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9 Facts About Retirement
In October, stock prices felt increased pressure due to inaction on a second American fiscal stimulus bill and a rise in global COVID-19 cases.
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Monthly Market Insights | November 2020
Are you overpaying your #taxes? Here’s six overlooked #tax #deductions.
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Six Most Overlooked Tax Deductions
Healthcare may be one of your biggest expenses in retirement. Manage your risk.
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Healthy Body, Healthy Pocketbook
What should you look for in a personal finance app?
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What to Look for in Personal Finance Apps
Vaccine can be a powerful word. It’s worth 14 points in Scrabble (42 on a triple word square) and, last week, it was worth a whole lot more than that to financial markets. On Monday, a pharmaceutical company and a biotech company...
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Around the World Markets Rallied
Do you know the risk factors that can lead to cognitive decline? #dementia #alzheimersdisease
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Avoiding Cognitive Decline
Thinking about a prepaid debit card? Consider the pros and cons. #debitcard
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Weighing the Benefits of Prepaid Debit Cards
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
Thanksgiving is going to be a lot different this year – and Americans are rising to the challenge. Some are cooking up their favorite recipes and peppering the table with screens so they can share the event from afar with friends...
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DISRUPTION AND INNOVATION – THANKSGIVING STYLE.
The U.S. economy is like a semi-trailer truck. No one likes being stuck behind a semi at a stoplight because big trucks don’t go from zero to 60 in 2.5 seconds. Neither does the U.S. economy. When the pandemic brought our economy...
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Is Slower Growth Ahead?
When it comes to investing, you may be your own worst enemy.
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Don’t Be Your Own Worst Enemy
Holiday shoppers may not have been racing into brick-and-mortar retail stores, but that doesn’t mean they weren’t shopping. Consumers have earmarked about $998 for spending on winter holidays, which include Christmas,...
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AND They’re Off!
Considering crowdfunding? Take time to do the research first. #Crowdfunding
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Crowdfunding—Capital for the 21st Century
Last week, vaccine optimism immunized investors against signs of economic weakness. In previous commentaries we’ve written about narrative economics, which holds that popular stories may affect individual and collective economic...
A home is the single largest financial commitment for most people. What mortgage fits you best?
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Choosing a Mortgage
Do you know the best way to set your child up for collegiate success? Make sure with this miniature guide to financial aid options.
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Financial Aid for Students 101
$100 not spent is more like $143. Intrigued? #taxes #saving
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Stop Wasting Money
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
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Monthly Market Insights | December 2020
Could you find acres of diamonds in your own backyard? Watch this video.
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Acres of Diamonds
When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
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When Markets React
When was the last time you updated your will?
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Will Power
Worried about passing your wealth to a troubled adult child?There are strategies that can help.
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When Heirs are Imperfect
Take a look at last week. Major stock indices in the United States hit all-time highs on Friday, despite a lackluster employment report and a surge in COVID-19 cases, reported Lewis Krauskopf of Reuters. During the week, we saw: The...
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When is Bad News Good News?
$100 not spent is more like $143. Intrigued? #taxes #saving
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Stop Wasting Money
Is your retirement portfolio subject to “sequence of returns” danger?
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Retirement Income and the Traditional Portfolio
Here are 4 unexpected locations that make great places to #raise your #family.
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Four Great, Unexpected Places to Raise a Family
The coronavirus, which The Economist estimates has infected one-in-five Americans, is reshaping holiday traditions this year. “COVID-19 is playing on shoppers’ psyches as they weigh its impact on their health and finances....
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A HOLIDAY SEASON LIKE NO OTHER
When it comes to beverages, frothy can be delicious. In what may be the least inspiring description of fizzy drinks ever written, a group of food engineers explained, “Aeration in beverages, which is manifested as foam or bubbles...
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Stock Markets Can Fizz Up
When markets wobble, even experienced investors can get nervous. But history holds some encouraging lessons.
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When Markets React
When was the last time you updated your will?
BRAEBURNWEALTH.COM
Will Power
Ever heard of a Roth 401(k)? Would one be right for you?
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What Is a Roth 401(k)?
(Apologies to Rudyard Kipling for paraphrasing his poem, If.) Tis the season when everyone assesses where we’ve been and where we might be going. Last week, a lot of research companies and publications explored investor...
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IF YOU CAN KEEP YOUR HEAD WHEN EVERYONE AROUND YOU IS BULLISH...
Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.
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A House Divided
Congress is at $900 billion, will they hear $1.4 trillion, $1.4 trillion, governments at $900 billion, who’ll go $1.4 trillion, $1.4 trillion… The stimulus auction continued last week. Early on Sunday, The New York Times...
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Policymakers’ Plan to Deliver New Stimulus
Is your retirement portfolio subject to “sequence of returns” danger?
BRAEBURNWEALTH.COM
Retirement Income and the Traditional Portfolio
Here are 4 unexpected locations that make great places to #raise your #family.
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Four Great, Unexpected Places to Raise a Family
You make your own investment decisions, but how familiar are you with the products? Take our short quiz.
BRAEBURNWEALTH.COM
What’s Your Investment IQ?
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
BRAEBURNWEALTH.COM
Put It in a Letter
If you died, what would happen to your email archives, social
profiles, and online accounts?
BRAEBURNWEALTH.COM
Safeguard Your Digital Estate
Ever heard of a Roth 401(k)? Would one be right for you?
BRAEBURNWEALTH.COM
What Is a Roth 401(k)?
(Apologies to Rudyard Kipling for paraphrasing his poem, If.) Tis the season when everyone assesses where we’ve been and where we might be going. Last week, a lot of research companies and publications explored investor...
BRAEBURNWEALTH.COM
IF YOU CAN KEEP YOUR HEAD WHEN EVERYONE AROUND YOU IS BULLISH...
Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.
BRAEBURNWEALTH.COM
A House Divided
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
BRAEBURNWEALTH.COM
Monthly Market Insights | January 2021
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
BRAEBURNWEALTH.COM
When Special Care Is Needed: The Special Needs Trust
Dogs may be some of the world’s most effective disease detectives. In January, before COVID-19 was known to have arrived on our shores, NPR wrote about the dogs’ ability to smell disease. The host of Medical Monday...
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THERE’S A NEW ADDITION TO THE AIRPORT SECURITY TEAM.
Health-care coverage (including Medicare) typically does not cover extended medical care. #Medicare
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Money that Buys Good Health is Never Ill Spent
Last week was the cherry on top of a turbulent year for investors. After the $900 billion fiscal stimulus bill was signed on Sunday, major U.S. stock indices moved higher. The Washington Post reported, “The S&P 500-stock index,...
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The Cherry On Top of a Turbulent Year
Whether you realize it or not, you’ve allocated your assets.
BRAEBURNWEALTH.COM
A Decision Not Made Is Still a Decision
If you’re a student of language or just interested in words, the term ‘melt-up’ is a bit mystifying. The base word – melt – conjures visions of ice cream and glaciers. Meltdown also is clear. It brings to...
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What's a Melt-Up?
What does it actually cost to raise a child? You might be surprised.
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The Half Million Dollar Baby
The event at the United States Capitol building had a resounding impact around the world, but it didn’t deter global stock markets. Last week, investors weighed the violent disruption of America’s 2020 presidential election...
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Hope for an Accelerating Economy
There are four basic steps to calculating the value of an estate.
BRAEBURNWEALTH.COM
Four Steps to Valuing an Estate
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
BRAEBURNWEALTH.COM
Monthly Market Insights | January 2021
A #specialneeds #trust can help care for a special needs child, even after you’re gone.
BRAEBURNWEALTH.COM
When Special Care Is Needed: The Special Needs Trust
The average college senior graduates with credit card debt. How will your kids manage money?
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Do Your Kids Know The Value of a Silver Spoon?
Investors were rocked by economic data showing the economy hit the brakes hard in December. Last week, major U.S. stock indices decelerated as investors gaped at the economic damage caused by the rising number of coronavirus cases...
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$1.9 Trillion Economic Relief Package
Your ideal #retirement may differ from reality, but we can work together to better align the two.
BRAEBURNWEALTH.COM
RE: Retirement
It might surprise you how well Millennials are saving for retirement. #genY #retirement #savings
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What Our Kids Can Teach us About Saving Money
If you’re a student of language or just interested in words, the term ‘melt-up’ is a bit mystifying. The base word – melt – conjures visions of ice cream and glaciers. Meltdown also is clear. It brings to...
BRAEBURNWEALTH.COM
What's a Melt-Up?
What does it actually cost to raise a child? You might be surprised.
BRAEBURNWEALTH.COM
The Half Million Dollar Baby
Over age 50? You may be able to catch-up on retirement.
BRAEBURNWEALTH.COM
Catch-Up Contributions
An ILIT could play a role in your estate strategy.
BRAEBURNWEALTH.COM
A Primer on Irrevocable Life Insurance Trusts
The average college senior graduates with credit card debt. How will your kids manage money?
BRAEBURNWEALTH.COM
Do Your Kids Know The Value of a Silver Spoon?
Investors were rocked by economic data showing the economy hit the brakes hard in December. Last week, major U.S. stock indices decelerated as investors gaped at the economic damage caused by the rising number of coronavirus cases...
BRAEBURNWEALTH.COM
$1.9 Trillion Economic Relief Package
Your ideal #retirement may differ from reality, but we can work together to better align the two.
BRAEBURNWEALTH.COM
RE: Retirement
It might surprise you how well Millennials are saving for retirement. #genY #retirement #savings
BRAEBURNWEALTH.COM
What Our Kids Can Teach us About Saving Money
Turning to coaches for advice is a smart thing to do. We’d like to be one of those coaches.
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Coaches
At the end of 2020, the FINRA Investor Education Foundation published a report that found, “…financial literacy has significant predictive power for future financial outcomes, even after controlling for baseline financial...
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How important is financial literacy?
Why save your bucket list for later? Find fulfillment and adventure by experiencing your bucket list items today.
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A New Way to Look at Your Bucket List
Over age 50? You may be able to catch-up on retirement.
BRAEBURNWEALTH.COM
Catch-Up Contributions
An ILIT could play a role in your estate strategy.
BRAEBURNWEALTH.COM
A Primer on Irrevocable Life Insurance Trusts
The average college senior graduates with credit card debt. How will your kids manage money?
BRAEBURNWEALTH.COM
Do Your Kids Know The Value of a Silver Spoon?
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
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Monthly Market Insights | February 2021
Attention Estate Executors: Do you know about the Alternate Valuation Date?
BRAEBURNWEALTH.COM
Understanding the Alternate Valuation Date
What’s New? In January, the Merriam Webster Dictionary added 520 words to its pages. The additions include new words that have found their way into common use, as well as expanded definitions for words that were already...
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What's New According to the Merriam Webster Dictionary
Business owners should consider a succession plan sooner rather than later.
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Succeeding at Business Succession
Investors should understand the ways in which financial professionals are compensated for the services they provide.
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How Financial Professionals Are Compensated
Turning to coaches for advice is a smart thing to do. We’d like to be one of those coaches.
BRAEBURNWEALTH.COM
Coaches
What did it take to become the richest man in Babylon?
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www.braeburnwealth.com
Investors are always looking for news that might lead them to new trends in the market. Here are a few fascinating tidbits from last week: Currency competition. China would really like the yuan to replace the U.S. dollar as the...
BRAEBURNWEALTH.COM
Bits and Bobs.
Is your retirement portfolio subject to “sequence of returns” danger?
BRAEBURNWEALTH.COM
Retirement Income and the Traditional Portfolio
It’s not a black diamond ski run yet, but the yield curve for U.S. Treasuries is steeper than it has been in a while. A yield curve is the line on a graph showing yields for different maturities of bonds. Yield curves provide...
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US Treasuries Yield Curve is Steep
How do you find care for your special-needs child?
BRAEBURNWEALTH.COM
Tips for Finding Care for Your Disabled Child
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
BRAEBURNWEALTH.COM
Monthly Market Insights | February 2021
Throughout history, inventions and new ways of doing things have changed the world: The magnetic compass, which was invented in the 12th century, helped people navigate the world. The printing press, which was invented in the 1400s,...
BRAEBURNWEALTH.COM
INNOVATIONS CAN BE DIFFICULT TO VALUE
Way back, when radio disk jockeys played 45-rpm vinyl singles, the A-side of a disk was the song the record company was promoting and the other side – the flip side – held a song that sometimes had an equal or greater...
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The Flip Side
Will your dream retirement become a reality? The answer might not be what you think. Learn more here.
BRAEBURNWEALTH.COM
Retirement Realities
Childhood attitudes and habits can determine your child's health in his or her adult years.
BRAEBURNWEALTH.COM
Raising Healthy Children
What did it take to become the richest man in Babylon?
BRAEBURNWEALTH.COM
www.braeburnwealth.com
Investors are always looking for news that might lead them to new trends in the market. Here are a few fascinating tidbits from last week: Currency competition. China would really like the yuan to replace the U.S. dollar as the...
BRAEBURNWEALTH.COM
Bits and Bobs.
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
BRAEBURNWEALTH.COM
What is the Value of Your Business?
Contrarian investors like to buck the trend. They buy when other investors are selling and sell when others are buying. Last week, Bank of America (BofA) delivered a contrarian’s dream. BofA’s monthly survey of 225 global...
BRAEBURNWEALTH.COM
It’s a Contrarian’s Dream Come True.
Three tips for giving smart from the heart.
BRAEBURNWEALTH.COM
Charitable Giving: Smart from the Heart
There are billions in unclaimed dollars in the US. Is some of that yours?
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Surprise! You’ve Got Money!
Throughout history, inventions and new ways of doing things have changed the world: The magnetic compass, which was invented in the 12th century, helped people navigate the world. The printing press, which was invented in the 1400s,...
BRAEBURNWEALTH.COM
INNOVATIONS CAN BE DIFFICULT TO VALUE
Way back, when radio disk jockeys played 45-rpm vinyl singles, the A-side of a disk was the song the record company was promoting and the other side – the flip side – held a song that sometimes had an equal or greater...
BRAEBURNWEALTH.COM
The Flip Side
Here are 4 unexpected locations that make great places to #raise your #family.
BRAEBURNWEALTH.COM
Four Great, Unexpected Places to Raise a Family
Do you know how the SECURE Act will affect your retirement strategy? Watch now for a quick overview.
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Understanding the SECURE Act
Throughout the month of February, people in the United States celebrate the achievements of Black Americans. President Gerald Ford started the tradition in 1976 to “…seize the opportunity to honor the too-often neglected...
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IT’S BLACK HISTORY MONTH
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
BRAEBURNWEALTH.COM
What is the Value of Your Business?
Contrarian investors like to buck the trend. They buy when other investors are selling and sell when others are buying. Last week, Bank of America (BofA) delivered a contrarian’s dream. BofA’s monthly survey of 225 global...
BRAEBURNWEALTH.COM
It’s a Contrarian’s Dream Come True.
Three tips for giving smart from the heart.
BRAEBURNWEALTH.COM
Charitable Giving: Smart from the Heart
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
BRAEBURNWEALTH.COM
Monthly Market Insights | March 2021
Even low inflation rates can pose a threat to investment
returns. #inflation #investment
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Inflation and Your Portfolio
Every year, The Economist Intelligence Unit (EIU) reports on the worldwide cost of living by surveying the cost of 138 goods and services in major cities around the world. As of September 2020, prices were up just 0.3 percent,...
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And The Most Expensive Cities in the World Are...
Students of financial markets may have noted a historically unusual event last week. On Thursday, the yield on 10-year U.S. Treasury notes briefly matched the dividend yield for the Standard & Poor’s (S&P) 500 Index. This type of...
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That Darn 10-Year Treasury Yield
Whether you are already retired or just starting to prepare, take a look at your home. Is rightsizing the right decision?
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Rightsizing for Retirement
Here are 4 unexpected locations that make great places to #raise your #family.
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Four Great, Unexpected Places to Raise a Family
Ever wonder about those free credit scores you get once a year? #creditscore #credit
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The Lowdown on Those Free Credit Scores
Three steps may make a difference if you find yourself suddenly single.
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Suddenly Single: 3 Steps to Take Now
Value. Growth. Cycles. Underperform. Outperform. Confusing? When was your last Investment IQ test? #ValueInvesting
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Value vs. Growth Investing
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
BRAEBURNWEALTH.COM
Monthly Market Insights | March 2021
Even low inflation rates can pose a threat to investment
returns. #inflation #investment
BRAEBURNWEALTH.COM
Inflation and Your Portfolio
Every year, The Economist Intelligence Unit (EIU) reports on the worldwide cost of living by surveying the cost of 138 goods and services in major cities around the world. As of September 2020, prices were up just 0.3 percent,...
BRAEBURNWEALTH.COM
And The Most Expensive Cities in the World Are...
If you died, what would happen to your email archives, social
profiles, and online accounts?
BRAEBURNWEALTH.COM
Safeguard Your Digital Estate
[Video] Agent Jane Bond wants you to know about the basics of the #bond #market.
BRAEBURNWEALTH.COM
Jane Bond: Infiltrating the Market
Investors had a lot to be enthusiastic about last week. Major stock indices in the United States soared, finishing the week higher and setting new records along the way, reported Al Root of Barron’s. There was plenty of good news...
BRAEBURNWEALTH.COM
Major Stock Indices in US Set New Records
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
BRAEBURNWEALTH.COM
Put It in a Letter
Ever wonder about those free credit scores you get once a year? #creditscore #credit
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The Lowdown on Those Free Credit Scores
Three steps may make a difference if you find yourself suddenly single.
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Suddenly Single: 3 Steps to Take Now
The market is as unpredictable as the weather. We’re here to help you prepare.
BRAEBURNWEALTH.COM
Forecast
Will your dream retirement become a reality? The answer might not be what you think. Learn more here.
BRAEBURNWEALTH.COM
Retirement Realities
If you died, what would happen to your email archives, social
profiles, and online accounts?
BRAEBURNWEALTH.COM
Safeguard Your Digital Estate
[Video] Agent Jane Bond wants you to know about the basics of the #bond #market.
BRAEBURNWEALTH.COM
Jane Bond: Infiltrating the Market
Investors had a lot to be enthusiastic about last week. Major stock indices in the United States soared, finishing the week higher and setting new records along the way, reported Al Root of Barron’s. There was plenty of good news...
BRAEBURNWEALTH.COM
Major Stock Indices in US Set New Records
Settling an estate can be like putting together a puzzle. Make a cheat sheet for your heirs.
BRAEBURNWEALTH.COM
Put It in a Letter