Using ETFs To Save On Your Taxes

Friday, March 22nd, 2019 By: Kevin Shuller, CFA®

Tax season approaches. Mutual Fund investors are making unpleasant realizations. Most lost money in 2018, yet they must pay taxes.   Why did this happen?  Mutual funds are companies. When you invest in a mutual fund, you are buying shares in a company whose sole way of making money is investing in other securities.   All companies pay taxes when they make money. Mutual funds are no different. When they […] More ›


Taxes – One of Two Things Certain In Life

Friday, March 8th, 2019 By: Peter Vander Ploeg, CFP®

Taxes. It’s one of the two things that are certain in life, according to Benjamin Franklin. He would know. As a founding father, he signed the United States Constitution that established taxing power in the very first Article! Benjamin Franklin died as an old man, but the tax system has lived on now for over […] More ›


The Secret About Buybacks

Friday, February 22nd, 2019 By: Kevin Shuller, CFA®

Poor share buybacks. They are everyone’s punching bag right now. From politicians to the New York Times Opinion page, everyone is taking their turn whacking the pinata. We never see headlines calling for the increased regulation of dividends. Everyone loves dividends. Dividends put cash in your pocket. Many of us are old enough to remember […] More ›


3 ways to Pump Up Your 401k

Friday, February 8th, 2019 By: Peter Vander Ploeg, CFP®

The Motley fool recently ran an article entitled, “If you don’t know these 3 things about your 401(k) , You’re losing out.”  The article was a great reminder to start 2019, but it could have gone a bit deeper.  Here are 3 additional ways to maximize saving in your 401(k) that you may not know about. Your […] More ›


The Magic of Low Expectations

Friday, January 25th, 2019 By: Kevin Shuller, CFA®

“I find my life is a lot easier the lower I keep my expectations.” – Bill Watterson Most investors expect too much. Those who know the least expect the most. A Natixis survey shows that individual investors in the US expect 10% returns. Professionals expect much, much less. Is 10% a logical assumption? 10%/year is […] More ›


3 Financial Resolutions That Don’t Require Heavy Lifting

Monday, January 21st, 2019 By: Peter Vander Ploeg, CFP®

For the 10th year in a row, Fidelity’s “New Year’s Financial Resolution Study” ended with the same top three results.  People are focused on saving more, paying down debt and spending less.  Although the results may not have been surprising given the history of the survey, there weren’t a lot of practical solutions offered to […] More ›