We are pleased to announce that updated model portfolios are being rolled out across client accounts. In response to expected changes in US policy due to GOP control of Congress and the White House we are shifting our portfolios to prepare for potential increases in inflation in the coming year.
This includes:
Along with these changes we are simplifying our core equity exposure from four Dimensional Fund Advisors (DFA) mutual funds down to two. Reducing the number of funds will lower transaction costs and simplify rebalancing. The basic positioning is not changing as we consolidate from three regional funds into one global fund.
If you have a taxable account or a retirement account with distributions, you should have received a 1099 in the mail from TD Ameritrade. These are also available on the TD Ameritrade website as well as via the Advyzon document vault.
Please let us know if you didn’t receive your 1099 in the mail or can’t access it online. If you have any other tax-related questions, just ask!
Our new financial planning software, Right Capital, is available to all clients. If you need to start planning for retirement, saving for college, or want to get a better feel for your entire financial picture please contact us.
The system gives you the power to identify your family's unique goals then create a clear road map for accomplishing them.
Stock and exchanged-traded fund (ETF) trades at TD Ameritrade are now just $6.95. Our models use zero-commission ETFs whenever possible so this will not have a large impact for our clients, but lower costs are always good.
Along with this, DFA has lowered the trading costs on their mutual funds from $24 to $9.99, which also reduces the cost of rebalancing your accounts.
Given the past year’s volatility, we thought it might be helpful to post some insights on what happened over the course of 2022 and a look ahead at what to pay attention to in 2023.
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