Periods of heightened volatility during equity market selloffs have traditionally been accompanied by falling interest rates, which typically drives fixed income prices higher. This can result in a counterbalancing effect for portfolios that are experiencing losses from equities. This is the principle behind why equities and fixed income are combined to create a balanced portfolio.
With 30-year mortgage rates hovering in the 3% range and the S&P 500 Index up over 15% year-to-date (through July 15, 2021), many who have large sums of cash on hand are asking: Should I pay off my mortgage, or invest in the markets? If you find yourself asking that question, here are some things to consider.
Sometimes a simple conversation among professionals can glean a helpful array of information. Here’s a conversation between John Wing, Founder of QA Wealth Management, and Christian Ray, CFP, QA’s Director of Client Engagement, about the Secure Act legislation and some of its central provisions.
Evaluating your life and health insurance is an important exercise. This Pathfinder checklist can help you think through the various issues.
Death is never an exciting topic to think about. We avoid the thought or discussion at nearly all costs. For the same reason, discussions around life insurance can be difficult ones and often put off. We just don’t like thinking about death. But having appropriate life insurance coverage, especially for someone with a family, is a very important part of a well-rounded financial plan.
Evaluating your life and health insurance is an important exercise. This Pathfinder checklist can help you think through the various issues.
An often under-emphasized topic within comprehensive financial planning and wealth management is risk management through appropriately placed insurance, property, and casualty insurance (or “P&C”) in particular. However, it is paramount that individuals protect their assets while on their “wealth journey”, so that any number of unforeseen events or catastrophes do not set them back significantly.
Springtime – ‘Tis the season that we all find ourselves taking inventory of the to-dos or projects on the home front for the upcoming year, but also reflecting on our financial lives from the previous year. Many of us have that one spot in our home that accumulates assorted financial documents, and we find ourselves doing our “annual spring cleaning” to pull everything together to forward on to our tax professionals. This presents investors a great opportunity to check in on their portfolio, make any course corrections, or realign investment allocations to align with your updated financial goals.
A question we often hear from clients is: How much cash is too much cash? This article shares a few easy steps to answering the question.
A DAF is a financial account offered by certain organizations that allows donors to make charitable contributions that align with their tax planning, while granting funds to charities of their choice over time.
The Case for Charitable Giving Written by Tad Kastman. Tad is a Certified Financial Planner™ and QA Wealth Management Advisor. Here are three reasons why you may consider Charitable Giving. 1. Giving Can Reflect Your Values and Your Perspective You may have heard the famous saying “where your treasure is, there your heart will be also”. This connection intuitively makes sense to…
Backdoor Roth Strategy Written by Dan Westin. Dan is a Certified Financial Planner™ and Senior Managing Director of QA’s Wealth Management Team. He is also a partner in the firm. Most Americans, while not excited about paying taxes, accept that they need to pay everything they owe. However, they understandably have no desire to pay any more than is required. As…