In this month’s edition of “Money Matters,” Scott talks about why being “average” in the financial markets can be impressive, and even better in the long-term, than trying to consistently time the market or pick “winners.”

International stocks have not done well recently compared with U.S. stocks. Yet, as we contemplate excluding international stocks from our portfolios, we should be aware of our tendency to commit recency errors. Learn why it’s important to recognize recency bias, and how it can have a negative effect on financial portfolios.

In this month’s edition of “Money Matters,” Scott talks about rolling over your 401k to an IRA, factors to consider in this decision, and how this decision can have positive and negative effects on your financial future depending on your situation. Listen to learn more about rolling over a 401k to an IRA.

In this month’s edition of “Money Matters,” Scott talks about why it is important, particularly for retirees, to consider a total return investing approach, rather than only an income portfolio approach, in their financial management plan.

In this month’s edition of “Money Matters,” Scott talks about the benefits of investing in international stocks and the importance of diversifying your financial portfolio to include international stocks.

Scott and Christy Boysen of Apex Legacy Consultants discuss charitable giving strategies and techniques, including charitable remainder trusts.

In this month’s edition of “Money Matters,” Scott discusses tax-free strategies and ROTH IRAs to help maximize your financial portfolio.

Join Scott Oeth and market strategists from Vanguard to discuss recent market volatility, the economy, and portfolio returns evaluation, as well as what’s driving markets and where potential investment opportunities lie.

In this month’s edition of “Money Matters,” Scott defines financial independence and discusses steps people can take to achieve and maintain financial independence.

529 plans have long been a favorite college planning tool, and they have become even more attractive over the past few years due to regulatory changes. Scott Oeth and his wealth strategy team offer a brief overview on financial planning for college and a focused discussion on updated strategies using 529 plans.

Executive equity compensation awards, such as stock options, restricted stock units, and directly held shares of company stock with large embedded taxable positions can be the most tax-advantageous assets to use to meet philanthropic goals. Learn more about charitable giving using executive compensation in an effort to help maximize your charitable donations.

In this month’s edition of “Money Matters,” Scott talks about the college financial planning process, including deciding whether college is the right choice, setting financial boundaries for students, and 529 college savings plans.

What assets can we buy to hedge against rising prices? How do we add diversification in portfolios from stock and bond investments? With hybrid work and rising interest rates putting pressure on commercial real estate, what is the outlook for this asset class? How do we add quality real estate exposure?

Michelle Butler, SVP of Cohen & Steers and I discuss these timely topics.

Jay Lisowski, CFA, SVP at First Eagle Investments and I discuss First Eagle’s investment approach, including their attempts to deliver diversification from the masses and protect investment value with their “margin of safety” approach. We also covered banking, interest rates, inflation, and geopolitical factors, as well as First Eagle’s unique security selection and portfolio construction techniques, including their core tenant to invest with a margin of safety.

In this month’s edition of “Money Matters,” Scott talks about healthcare costs in retirement, health savings accounts (HSAs), extended care insurance, and other health-related costs that commonly occur in the golden years. He offers financial strategies designed to prepare for such costs, so your retirement savings aren’t hurt by unexpected healthcare costs.

As an important tax-management tool, net unrealized appreciation (“NUA”) should not be overlooked by those who want to manage their distributions tax-efficiently. The requirements to qualify for NUA special tax treatment are many and intricate, so it’s important to consult with tax and financial advisors before executing this option.

Our financial wealth strategy team covers the many new tax law changes and financial planning opportunities in the recent 2023 Secure 2.0 tax bill. Learn more about these changes, as well as how we will evaluate individual financial planning opportunities around this Secure 2.0 bill over the course of the year.

Employer retirement plans with in-service distributions can be complex. You may find that an in-service/non-hardship distribution and rollover could provide access to more investment options, risk management strategies, and diversification approaches. Plus, you may gain access to a wider variety of guaranteed retirement income options. Learn more about how to approach your retirement plan and the options available to you.

Bucket portfolios are aimed at providing spending resources during investors’ decumulation periods, usually in retirement. However, an even bigger advantage to bucket portfolios is their potential to be quite effective in helping investors avoid panicked selling during market downturns.

In this month’s edition of “Money Matters,” Scott discusses stock dividends and the tax implications of the recently passed Secure Act 2.0.

There are numerous factors to consider before choosing a pension plan lump-sum distribution. Learn more about the benefits and risks to lump-sum distributions, and the many factors you should consider before choosing a lump-sum distribution.

In my years of working directly with clients and in teaching retirement planning to financial professionals, I’ve studied retirement income planning methodologies extensively. Thornburg Investment Management has researched an approach on how to develop an “Endowment Spending Policy” in retirement, and in this webinar, I talk with Andrew Rice, Director of Advisor Solutions at Thornburg, about their findings on how to structure your assets for a successful retirement.

In this month’s edition of “Money Matters,” Scott discusses why investors should not rely on so-called “expert” financial forecasts from anyone. He explains some financial strategies for long-term financial planning to help individuals achieve their financial goals without depending on what might happen in the market.

Scott Oeth, CFP®, and Leslie Geller, JD, LLM and Sr. Wealth Strategist at Capital Group, discuss family limited partnerships, a niche, but powerful, advanced financial planning technique.

Jason Bolstad, Plan Design Consultant with Tax Sheltered Consultants, joined me to discuss how cash balance pension plans can provide a super tax shelter and rapid wealth accumulation for certain business owners.

Mark Gasner CPA, CFP®, joined our internal wealth strategy team for a fast-paced roundtable covering some of our favorite tax-planning strategies. We discussed a variety of tax moves, which may be available to enhance your financial plan and minimize “tax drag” on your assets, as well as investment-related tax strategies, filing tips, effective gifting to family and charities, and tactics for business owners and executives.

Scott Oeth, CFP® and Steve Storkan, CFP®, Executive Director of The Employee Ownership Expansion Network discuss how Employee Stock Ownership Plans ("ESOP") can allow for a tax-advantaged transfer of ownership from a business founder to the employees. This is a valuable conversation of a niche topic that is most applicable to business owners considering exit strategies.

Not every concentrated position needs to be sold off, but, in most cases, it is important to recognize the value of a well-rounded approach. Plus, one of the biggest concerns investors have about concentrated stock is taxes. Selling isn’t your only option. Learn more about the dangers of a concentrated stock position, and strategies to consider to help maximize your financial situation.

Scott and Prof. Russell James, J.D., PhD, CFP®, one of the nation’s leading experts on charitable giving and philanthropy (as well as an entertaining presenter) discuss top tax-advantaged ways to help your favorite causes.

Relocating isn't just for retirees anymore. In this webinar, a group of advanced planning experts from across the tax, legal, and wealth management spectrum join me to discuss key relocation tax planning and financial strategies and considerations.