Taxes in Retirement – Case Studies

Frank Yozwiak

Atheneum

Key Takeaways: Your sources of income will change, but you will still owe taxes in retirement. In general, your principal (or “cost basis”) will be returned to you tax-free. A diversified portfolio protects in down markets and provides flexibility when planning for taxes.     When you’ve spent your adult life working and saving, retirement … Continued

The Inverted Yield Curve of April 2022

Frank Yozwiak

Weekly Update

Key Takeaways: The 2-year/10-year yield curve inverted for the first time since 2019. This type of inversion has preceded the last eight recessions. Proper portfolio allocation can help insulate investors from the negative outcomes of recessions.        Three years ago today, on April 4, 2019, I wrote about the Inverted Yield Curve … Continued

Asset Allocation Factors: Time and Emotion

Frank Yozwiak

Atheneum

When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest.  At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” … Continued

Asset Allocation Factors: Time and Emotion

Frank Yozwiak

Atheneum

When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest.  At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” … Continued

Counteract Inflation with Your Financial Assets

Frank Yozwiak

Weekly Update

Key Takeaways Inflation in October 2021 was 6.2%, the highest in nearly 30-years. From 1914 to 2021, average inflation in the U.S. has been around 3.2% and the average return of the market (i.e., S&P 500) has been around 10-11%. While not without risks, investing in equities is a tested long-term hedge against inflation.   … Continued

The Cost of a Spent Dollar – What Could an Investment Have Become Through the Years

Frank Yozwiak

Atheneum

As we discuss retirement savings, one aspect that is worthy of consideration is the weighing of alternatives.  Hindsight is always 20/20, but let’s consider the cost of a spent dollar throughout the years.  Essentially, if you had $X in a given year, what is something that you could have purchased during that year compared to … Continued

Positive Signs of a Growing Economy

Frank Yozwiak

Weekly Update

Key Takeaways: Publicly traded companies will be releasing earnings reports over the next several weeks. Economists believe growth so far coupled with forecasted growth for the remainder of the year will result in great GDP growth. Consumers are still holding abnormally large amounts of cash savings, setting the stage for a large return of consumer … Continued

The Grey Area of Paying Off a Mortgage Early

Frank Yozwiak

Atheneum

A key question that soon-to-be retirees often face is whether or not to eliminate a debt before retirement.  Generally, we would love to see all our clients enter their retirements debt free.  However, there could be some instances where making monthly debt payments is not necessarily a bad thing (i.e., zero-percent financing on a car).  … Continued

Toilet Paper… and Pork?

Frank Yozwiak

Weekly Update

A little over a year ago, in March 2020, life as we then knew it was drastically changed.  Many of those who were fortunate enough to remain employed found themselves working at home for the first time.  March Madness was cancelled, Disney World closed its gates, and toilet paper seemed to rank highly among the … Continued

Don’t Worry, There’s Still Time for 2020

Frank Yozwiak

Weekly Update

I know what you are thinking.  It is on everyone’s mind.  “2020 was so much fun, such a great year, I wish it would stay 2020 forever.”  (Disclaimer: as a new father, I am now qualified to make bad jokes).  Well, unfortunately I cannot bring back 2020, but I do have some good news: there’s … Continued