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We believe it is important to understand the underlying circumstances affecting the Markets—and how we are working through them, especially during these times of uncertainty, where the latest headlines could be contributing to our economic outlook. As if the pain felt in the stock and bond market wasn’t enough to contend with in 2022, Floridians…

It’s common knowledge that investing in mutual funds, index funds, or exchange-traded funds (ETFs) can help build a diversified portfolio. These funds hold diverse baskets of securities, including stocks, bonds and other assets from real estate to derivatives. By investing your money in a variety of investments, you help minimize the risk that your investments…

Family trusts are an important tool for managing wealth across multiple generations. They can help you avoid the time-consuming and costly process of probate, keep your assets private, minimize taxes, and ensure that your wealth is distributed according to your wishes.  Family trusts tend to be most appropriate for families with large estates or a…

Lately, financial pundits seem to be constantly warning that a bear market is coming, arguing over whether one has begun or predicting when one will end. It’s less common for them to actually define one. From their ominous tone, you can tell it’s less appealing than its counterpart, a bull market. But what is it…

As tax planning season and end-of-year charitable giving begin, it’s a good time to consider the benefits of donor-advised funds. Charitable giving has many facets, most notably as an opportunity for you to support the causes and organizations that reflect your values. But giving is also a significant tax and financial planning opportunity, helping you…

Preparing for retirement is a stressful and time-consuming process. You’ll need to manage your assets and income in a way that allows you to preserve your principal while still generating enough consistent cash to cover all your basic living expenses.One of the biggest challenges for upcoming retirees is finding a way to manage taxes. Generally, you’re going…

If you’re a parent, the start of a new school year may have you considering how much you’re able to set aside for your child’s college fund.  Average annual tuition in the U.S. is $38,185 for private college and $10,338 for public college.1 And those numbers may rise by 2%–3% in the coming school year.2…

The charitable remainder trust (CRT) is a popular retirement- and estate-planning tool. It can be a convenient way to create a stream of lifetime income for yourself and others or donate to a charity while minimizing and deferring taxes. But there are many choices to make when establishing a CRT and, in some cases, these…

If you’re considering refinancing your mortgage, you probably have many questions to ask financial experts. Along with interest rates, closing costs, and term lengths, there are several things to consider. Is refinancing your home a good idea? When is it beneficial to refinance? The truth is, the best time to refinance your home is when it…