When Too Much Tax Deferral Becomes Counterproductive

Brian Burton

Atheneum

Click here to watch video in new window. Most of us have been told from early on in our careers to defer as much income as possible to ensure we’ll be properly prepared for retirement.  While not bad advice, most of these strategies involve only qualified deferrals, meaning all income tax gets punted until the … Continued

Diworsification – Can You Take Diversification Too Far?

Brian Burton

Atheneum

Key Takeaways: Diversification can be overdone – there is a point where adding another investment to your portfolio can be harmful to the risk/return profile The goal of portfolio diversification is to reduce volatility – owning assets that don’t always move in sync with one another. Naively attempting to diversify your portfolio by investing in … Continued

Some Perspective on the Fed’s Latest Meeting

Brian Burton

Weekly Update

Key Takeaways With ongoing inflationary pressures and a continued decline in the unemployment rate, the Fed appears ready to pick up the pace of normalizing monetary policy. The Fed confirmed that at this point they plan to raise the fed funds rate at the March meeting but reiterated that the pace and frequency of rate … Continued

The Importance of Asset Allocation and Diversification

Brian Burton

Atheneum

Not only has recent market volatility resulted in renewed anxiety for many investors, it has also been a stern reminder of the value of having a proper mix of assets in your portfolio.  The concepts of asset allocation and diversification can be traced all the way back to a 4th century text, the Babylonian Talmud, which … Continued

The Importance of Asset Allocation and Diversification

Brian Burton

Atheneum

Not only has recent market volatility resulted in renewed anxiety for many investors, it has also been a stern reminder of the value of having a proper mix of assets in your portfolio.  The concepts of asset allocation and diversification can be traced all the way back to a 4th century text, the Babylonian Talmud, … Continued

The Power of Homeownership

Brian Burton

Weekly Update

Key Takeaways: Having a fixed-rate mortgage keeps a large portion of your budget constant versus the variability of rental costs Lower expenses in retirement creates more disposable income, greater flexibility in combatting rising costs, and the ability to invest Saving what’s left rarely works – making monthly mortgage payments creates a forced savings vehicle saving … Continued

Finding the Best Order for Funding Retirement

Brian Burton

Atheneum

With a task as important as funding your retirement, determining which accounts to fund and in what order should not be taken lightly.  Whether it’s a company plan, individual retirement account or taxable account, there are a lot of ways to save for retirement.  So how do you decide where to put each dollar you … Continued

The Hidden Benefits of Saving Early in Life

Brian Burton

Atheneum

We’re all aware that saving for retirement is not a strong suit for many Americans.  There is no end to the alarming statistics regarding our lack of preparedness for when it’s finally time to call it a day.  The most recent head-scratcher I came across was a survey done by J.P. Morgan Asset Management and … Continued