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
ByCharitable gifting can occur throughout the year; however, many individuals and families focus on their charitable giving in the fourth quarter as it coincides with annual tax planning. Charitable donations are tax deductible for individuals who itemize their deductions when they file their tax return. The annual deduction limit for gifts to public charities is
ByIn 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
ByBill Hortz, Founder of the Institute for Innovation Development, recently interviewed Alyssa Yocom, 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? Yocom: By working closely with our clients,
ByDomestic 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
ByA Health Savings Account (HSA) is a tax-advantaged medical savings account available to individuals who are enrolled in high-deductible health plans. HSAs have three main tax advantages.
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What Is Your Dream Job? Ask Yourself These 4 Questions to Find Out.
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Too many of us don't love our jobs — and worse, we think that's normal. Why are we settling? Here are four ways to help you identify what kind of job you really should have.
If the Price Ended in 99, You Probably Overpaid
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The age-old practice of prices ending with a 9 now serves to camouflage bad deals.
7 Ways To Reset Your Burnout Levels During The Holiday
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People with burnout complain that they have to do 6-week work in 3-weeks, that they work until late at night or can’t stop thinking about work when they sleep or in the shower.
How to Actually Come Back from the Holidays Feeling Refreshed
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All too often, the supposedly restful holiday break can become incredibly stressful. But it is possible to actually get what you want and need from the holidays.Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. While information presented is believed to be factual and up to date, Schultz Financial Group (“SFG”) does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.