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Frequently “Oaked” QuestionsJanuary 8, 2020You Asked, So We’ll Answer FOQ: The SECURE Act passed. Anything I need to know? Short: Not really. Long: Despite all the hype, the SECURE Act impacts most people very little. Here are the two most important provisions: IRA contributions and distributions. The minimum age for required distributions from your IRA increases from 70 ½ to 72, in recognition of our increasing life expectancy. However, if you turned 70 ½ during or before 2019, you’re still on the hook to take a distribution for 2019 and 2020. And now there’s no longer a maximum age for traditional IRA contributions, ... Read More
Holiday Thoughts….and Some GigglesDecember 19, 2019Happy Hanukkah, Merry Christmas, Happy Kwanzaa, Happy Boxing Day, and a Very Happy New Year to you all, be it Chinese, Mahayana, or Western! If we missed one, please let us know. We want to include everyone in our season’s greetings, as this is a time of togetherness and love. Regardless of what we may celebrate, we’re all on this tiny rock together. We encourage you to spend this holiday season forgetting our differences and celebrating our commonalities. And eggnog. Drink lots of eggnog. John, Bill, Mark & Melanie
Schwab Buys TD: What Now?November 30, 2019What It Means To You In a merger of two of the Big 4 independent custodians, Schwab is buying TD (Fidelity and Pershing are the other two). As a client, your investments with us are held at TD. So what does this merger mean to you? In the spirit of an “FOQ” (like this one, or this one), the short answer is…nothing. The long answer is that right now, for you, this deal looks cosmetic only. A year or two or five – yes, it may take that long – down the road, we may have a form to ... Read More
Don’t Be a Penguin!October 29, 2019The Dangers of Following the Herd We’ve heard it a thousand times before: “Well, I just picked that fund in my 401(k) because my co-workers did too”, or, “Everyone is buying weed stocks. I’m thinking of buying some too”. And the worst of them all: “The market is tanking. I want to sell”. It’s called “herding”. Like most of our innate behaviors, it has helped our species, and others, survive throughout the generations. When faced with a lack of information, we turn to the crowd to see what they’re doing, hoping to find some direction. It’s why penguins line ... Read More
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