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.
In December, we wrote about the yield curve and tariffs, and today the same topics are still in the financial headlines. At that time, we showed a chart of the yield curve and how it was ever so slightly inverted. Since then it has changed significantly, and we now have more evidence that the global economy could be on the verge of a recession.
Read This Article >Today we are writing about a personal finance topic that comes up regularly in various forms. Should we continue to rent or should we buy? When will the housing market come down? It’s so expensive!
Read This Article >There are many similarities between maintaining financial health and physical fitness. Both take work and consistency to maintain and it’s important to follow a plan. Some people are quite good at keeping physically fit and just include going to the gym or exercising as part of their daily routine.
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