Archive for the ‘Wealth Management’ Category

Don’t Shortchange Your Investing Potential

No one likes to lose, especially with money. In fact, researchers have found that our desire to avoid financial losses can be twice as powerful psychologically as our interest in achieving an equivalent gain. It’s no wonder, then, that many investors avoid financial losses by investing in “safer” investments with (more…)

4 Financial Factors to Review Annually

Many people use tax season as an opportunity to review their finances. But if you’ve never done a financial review before, you might not be sure where to begin. To get you started, here are a few financial items you should review each year: Investment strategy. A review of your (more…)

4 Reasons to Open a Taxable Investment Account

It’s true: Investing in tax-advantaged accounts can help you save. Maybe you use an IRA or 401(k) for retirement, a 529 plan for college and a health savings account (HSA) for health expenses. But does that mean you should shun investing in a taxable brokerage account? Not at all! While (more…)

Prevent Lifestyle Creep

Prevent Lifestyle Creep

Congratulations on your raise! Now you can afford to buy that thing you’ve always wanted. And make that upgrade. And subscribe to — wait. What happened to your raise? Well, it succumbed to “lifestyle creep,” a habit of spending more as you earn more, to the point that you end (more…)

A Closer Look at Exchange-Traded Funds

The popularity of exchange-traded funds (ETFs) has mushroomed in recent years. From year-end 2005 through year-end 2014, ETFs issued $1.4 trillion in net new shares.* An estimated 5.2 million U.S. households held ETFs in mid-2014. Like a mutual fund, an exchange-traded fund is a basket of securities. Most ETFs are (more…)

Clearing Up 529 Plan Confusion

As college costs continue to rise, many parents and grandparents are being proactive about setting aside money to help finance their child or grandchild’s education. One tax-advantaged vehicle for college savings is the 529 savings plan. While 529 plans are gaining popularity, a lot of confusion remains about what these (more…)

Election Year Investment Jitters?

If you’re feeling a little uneasy about what’s going to happen to your investment portfolio when a new president is elected, you’re not alone. Every four years during election season, people’s heads start spinning with all sorts of stock market warnings and predictions based on who will win the White (more…)

A Closer Look at Market Capitalization

There are many ways to slice and dice your investment portfolio. You might look at the mix of asset classes (stocks, bonds, cash equivalents); investment styles (growth, value, blend); market sectors (energy, technology, health care, etc.); or market capitalization (small-cap, mid-cap, large-cap). Having a healthy balance of investments — no (more…)

The Saver’s Dilemma

Each generation faces its own unique investment challenges. During the inflationary 1970s, maintaining the purchasing power of income and assets was a preoccupation for both wage-earners and investors. In the first decade of this century, protecting the downside in any portfolio exposed to two of the most dramatic stock sell-offs (more…)

Checking in with Your Client Advisor

Changes in your life are likely to trigger re-evaluation of your investment objectives. The job of your Seaside Client Advisor is to work with you to reassess your objectives and help direct investment selections based on changing circumstances. What Changes Are Affecting Your Portfolio? By taking stock of your current situation, (more…)