The Investor Taxation Lifecycle

John Boardman

Atheneum

We are not CPAs nor are we tax preparers, but a great deal of our time is spent working with clients and their professionals honing a financial plan that is tax efficient.  We advise our clients to hire a CPA with whom we can work together to manage their financial plans.  The financial plan and … Continued

Markets are Digesting a TON of Information

John Boardman

Weekly Update

Over the last few months, market volatility has dramatically increased.  The CBOE Volatility Index or VIX, created by the Chicago Board Options Exchange, is a real-time market index representing the market’s expectations for volatility over the coming 30 days.  The VIX started the year at just over 17 and has already reached over 28 during … Continued

Behavioral Finance and Asset Allocation

John Boardman

Atheneum

Summary Points:   We simply have to watch money flow to know how “average investors” behave. Investor emotions typically run opposite to sound decision making. Sound allocation planning can provide other positive impacts on your overall plan.   An emotional investor is very likely to make poor decisions over his or her financial life.  Various … Continued

Behavioral Finance and Asset Allocation

John Boardman

Atheneum

Summary Points:   We simply have to watch money flow to know how “average investors” behave. Investor emotions typically run opposite to sound decision making. Sound allocation planning can provide other positive impacts on your overall plan.   An emotional investor is very likely to make poor decisions over his or her financial life.  Various … Continued

Retirement Saving Myths and Misconceptions

John Boardman

Atheneum

We are fortunate to have a very educated and knowledgeable client base, but we are consistently surprised by the myths and misconceptions clients and prospects bring to the conversation. Below I have listed my Top 7 Myths and Misconceptions About Retirement Savings; it is by no means a complete list but highlights the most common … Continued

The Unanswered Economic Questions About Hybrid Work

John Boardman

Weekly Update

Key Takeaways Remote work may be the largest modern shift in employer-employee relations Current tight labor markets have accelerated the trend, perhaps permanently These unanswered questions will determine the future of our economy The trend of changing office work environments is real and significant.  According to a recent study conducted by McKinsey¹ that surveyed 100 … Continued

Balancing Saving and Giving

John Boardman

Atheneum

Most of our clients aspire to be financially self-sufficient.  As those clients age, we notice some amount of transition into wanting to benefit others with accumulated resources.  This giving can range from donations to charities of interest to paying for a grandchild’s education to helping a friend in need.   We have been fortunate since the … Continued

Testing the Challenges of a Long Retirement

John Boardman

Atheneum

We often joke that our job was created because of increasing life expectancies and pensions seldom being offered.  Obviously, finance and investing has become more complicated and there are an ever-increasing number of investment vehicles and planning strategies we help our clients choose between.  We also know there is great value placed in our ability … Continued

How Will A Bear Market Affect Your Plan?

John Boardman

Atheneum

In this week’s edition of the Ballast Atheneum, I am going to explore a subject no one wants to see but we all must prepare for; Will my portfolio survive a bear market?  Fortunately, we can use some of our technology tools, specifically, Monte Carlo analysis to determine how prepared a client is for a … Continued

Thoughts on NFTs

John Boardman

Weekly Update

We believe it is our responsibility to give our thoughts on current investment trends, even if it involves an asset that we do not currently invest in for our clients.  Of all the “assets” we have detailed in previous commentaries, none are as esoteric as NFTs, or Non-fungible Tokens.  I use quotation marks around the … Continued