Client Center
Estate Planning and Legacy Contacts: Preparing for Your Digital Assets One area of estate planning that gets overlooked is one’s digital assets. One way to prepare is by assigning a Legacy Contact—a trusted person who can access your phone or account data after you...
The most common question we hear from clients these days is some version of the emotionally charged question, “do politics affect my portfolio?” It’s no surprise that everyone is wondering who will win and what changes will occur with the election around the corner....
If you’ve made it through our first two posts on this topic, you’ve learned: ALL investing decisions are “active.” However, the active mutual fund industry doesn’t get the best investment returns for individual investors because it wasn’t designed for that. As David...
![Value of Active Investment Management Part 2: Why hasn’t active management worked for [individual investors]?](https://jandsadvisors.com/wp-content/uploads/2024/05/Individual-Investors-980x653.jpg.webp)
“The mutual fund industry is not an investment management industry. It’s a marketing industry.” – David Swensen (fmr. CIO of Yale & asset allocation pioneer) Why hasn’t active management - and we mean specifically in mutual funds - worked for individual investors?...
In recent years, there’s been a considerable debate about which is better, active or passive investing. Most people narrowly define them as the following: Active: Someone, usually a mutual fund manager, picks and chooses investments for you, versus Passive: You just...
Congratulations! You’ve finally reached the point where you earn a few more dollars than you spend each month.What should you do with that extra cash? Where should it go? Those are the questions we’ll help answer. Why does it matter where you save? You work hard for...
For this post, we’re going to discuss Capital Gains (which occur when selling an asset that’s gone up in value). I know...a tax related topic...so exciting, right? Specifically, we’ll discuss how we set budgets (not to go over) for capital gains taxes and how clients...
Congratulations on taking the first step toward securing your financial future and understanding the importance of financial planning! If you’re starting to create a financial plan, you’re already ahead of the curve. Did you know that only one in every three adults in...
Our own Chris Johnson recently presented a “Taxes in Retirement” seminar at the Middleton Library. We thought sharing a few of the common questions would be helpful. How do I decide whether to save to my traditional or Roth 401k? It depends! Our tax system is...
Going to college is exciting! You get to live on your own for the first time, meet new friends, and explore new interests. But, for many, college is also a source of anxiety. Aside from having to develop a new routine in a new area, many students worry about how to...