Markets Finally Believe Fed is Serious about Inflation

Cameron Hamilton

Weekly Update

The Fed raised rates 0.75% last week, the biggest single move since 1994 Market participants imply that rates will move from 1.75% to 3.56% by year-end Perception of a hawkish Fed may help avoid a wage-price spiral & severe recession   Last week the Federal Reserve raised rates by 0.75% or 75 basis points (bps). … Continued

Give and Get: Qualified Charitable Distributions

Cameron Hamilton

Atheneum

Key Takeaways Tax reform has decreased the households who itemize to about 10% of taxpayers. Those who don’t itemize may not realize tax benefits from charitable donations. Qualified Charitable Distributions help donors above age 70 ½ realize a tax benefit. Donors younger than 70 ½ should consider the timing of their contributions. With Scottie Scheffler … Continued

How Much Cash Should I Hold?

Cameron Hamilton

Weekly Update

Key Takeaways Rising inflation increases the opportunity cost of holding cash We believe the benefits of cash outweigh any loss in purchasing power Market drawdowns like today are relatively good times for long-term investment         The question we are getting more than any other these days is, “What should I do with … Continued

Managing a Household Allocation

Cameron Hamilton

Atheneum

One of our mantras in planning is to “Know What You Own.”  Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments.  Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities … Continued

Managing a Household Allocation

Cameron Hamilton

Atheneum

One of our mantras in planning is to “Know What You Own.”  Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments.  Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities … Continued

Optimizing Required Minimum Distributions

Cameron Hamilton

Weekly Update

Key Takeaways The IRS made a retiree-friendly tweak to its RMD schedule for 2022 When to best take retirement distributions can be opposite for two similar investors Engage Us: We do our best work when we know your updated situation     We’re only a week into 2022 and I have already spent a few … Continued

Getting Creative with College Funding

Cameron Hamilton

Atheneum

In our previous discussions about college planning, we’ve discussed where and how much to save while acknowledging that these questions require several assumptions.  Is it sensible to make saving for college a major financial goal when there’s no guarantee the child will attend?  That’s a tough question for families and for this reason, we favor … Continued

Getting Creative with College Funding

Cameron Hamilton

Atheneum

In our previous discussions about college planning, we’ve discussed where and how much to save while acknowledging that these questions require several assumptions.  Is it sensible to make saving for college a major financial goal when there’s no guarantee the child will attend?  That’s a tough question for families and for this reason, we favor educating … Continued

The Complicated Calculations of College Costs

Cameron Hamilton

Atheneum

Parents of college-bound students are dealing with a chicken-or-egg dilemma.  When it comes to student aid calculations, it just about requires a Ph.D. to understand how to fund a Ph.D.  Different schools use different methods to evaluate different families, and when they get the results, they interpret them differently!  Let’s wade into the wishy-washy world … Continued