Curated Insights

Financial Matters

News and information to help improve your Four Capitals
the approach
Retirement Planning

2023 Retirement Plan Contribution Limits

Retirement plan contribution limits are reviewed each year and are occasionally adjusted by the IRS. Table 1 below summarizes retirement plan contribution limits for 2023. Table 1: Retirement Plan Contribution Limits (2023) Retirement Plan Type 2023 Contribution Limit Age 50+ Catch-up Contribution Limit Individual Retirement Account (IRA) $6,500 $1,000 Simple IRA $15,500 $3,500 SEP 25%

Posted By Alyssa Dalbey
February 1, 2023
Investment Management

Options to Consider for Cash Investments

Cash is an asset class that may be overlooked. However, we believe it plays a key role in the overall diversification of a portfolio. Now that the U.S. is moving out of a 0% interest rate environment, investors may earn meaningful interest on their cash positions. There are a Few Options to Consider for Cash

Posted By Alyssa Dalbey
January 31, 2023
Tax Planning

Use Tax-loss Harvesting to Offset Capital Gains

While conventional wisdom often states that investments will grow over time, that isn’t always the case. Fortunately, when an investment’s return is down, there is potential for harvesting tax losses. Tax-loss harvesting may reduce your annual income tax liability. What is tax-loss harvesting? Tax-loss harvesting is done by selling a security that has a fair

Posted By Alyssa Dalbey
September 14, 2022
Investment Management

Inflation & Investing: What’s Happening, What Does It Means

In our 2021 article entitled Is the Monetary Policy Road on Track for Persistent Inflation?, we noted that America was in the middle of the road between “Monetarism” and “Modern Monetary Theory.” Since then, our view is the country has moved into the Modern Monetary Theory lane and is now trying to shift back toward

Posted By Russ Schultz
July 16, 2022
Financial Planning

A Deeper Dive into Client Engagement

Bill Hortz, Founder of the Institute for Innovation Development, recently interviewed Alyssa (Yocom) Dalbey, CPWA®, CFP® and Wealth Manager at Schultz Financial Group (SFG) about SFG’s approach to wealth management: Hortz: Can you share with us the thinking behind developing your Four Capitals of Wealth approach with your clients? Dalbey: By working closely with our

Posted By Schultz Financial Group Inc.
July 16, 2022
Estate Planning

Is there a silver lining to 2022’s market volatility?

Domestic equity markets experienced their worst first half of a year since 1970 when the markets closed on June 30, 20221. The S&P 500, as an example, was down 21 percent the first half of this year. Additionally, the bond market has experienced volatility largely due to rising interest rates. Many investors understand that market

Posted By Alyssa Dalbey
July 6, 2022