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Good Stuff

  1. March 19, 2019
    In recent years, you may have seen headlines in the news about professionals in our local community who have violated their client’s trust through illegal and reckless practices. While holding themselves out as trusted professionals, they have engaged in practices ranging from Ponzi schemes to collecting unauthorized fees and promoting inappropriate investments. Fortunately, there are steps you can take as an investor to significantly reduce your exposure to these risks and other deceptive practices....
  2. By: Terry Roe
    March 05, 2019
    I have been helping people in our local community with their finances for over 30 years, and the people of the Snake River Valley have always impressed me with their generosity. Community members’ generous donations of money and time to various religious and nonprofit organizations are remarkable. As you probably know by now, the new tax law nearly doubles the standard deduction for 2018 – to $12,000 for singles and $24,000 for married filing jointly younger than 65 years old – while capping or eliminating...
  3. February 19, 2019
    As you looked at your investment accounts at the close of 2018, you may have been thinking “Wow, I just lost most of what I made in the previous year.” We all know that feeling of “one step forward, two steps back.” However, sometimes we just need a little altitude to get some perspective. No one likes to see the value of their investments go down. However, it does help to take a more comprehensive look at the stock market over time. To begin with, 2018 was the first year of negative returns from...
  4. January 11, 2019
    Join us for an educational event to help you determine your retirement readiness. We will answer the following questions:How much savings do you need for retirement? What's your number?Does your expected cost of living take into account inflation?Which social security and pension options are best for you?Do ROTH conversions make sense for you?Are there income tax planning strategies you should be taking advantage of? Thursday, February 28, 2019 7:00 PMHilton Garden Inn700 Lindsay Blvd, Idaho Falls,...
  5. January 04, 2019
    As we enter into this New Year, we want to take a minute and check in with everyone. We recognize that for most, the market volatility we have experienced in this last quarter was “breathtaking” – and not in that magnificent, awe-inspiring sort of way, but more like you may have felt as if the wind was knocked out of you. There are multiple factors contributing to this negative market. One of the main reasons being that stocks have been overvalued for an extended period of time and we are now experiencing...
  6. October 31, 2018
    After a period of relative calm in the markets, in recent days the increase in volatility in the stock market has resulted in renewed anxiety for many investors. From September 30–October 24, the US market (as measured by the S&P 500 Index) fell 8.82%, resulting in many investors wondering what the future holds and if they should make changes to their portfolios.1 While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal...
  7. March 26, 2018
    You probably saw a lot of news about Bitcoin last year. At the beginning of 2017, one bitcoin was valued around $1,000; by the end of the year, that same bitcoin was worth $14,000 – at one point reaching a high of around $20,000. So what created the increase in value? The short and most honest answer – NOTHING. Bitcoin value is based on “The Greater Fool Theory,” which basically states that in order to make money on Bitcoin, you have to find a greater fool than you, who is willing to pay you more...
    Articles, Financial Planning & Budgeting, Finding an Advisor, Investments
  8. March 05, 2018
    Another year under the belt, and what a great year it was for stock market returns. At the close of each year, I like to look back and see what the “experts” predicted we would see. I reviewed some of the headlines from January 2017. On CNBC’s website on January 3, 2017, the headline states in part, “Wall Street’s forecast is the most bearish annual outlook in 12 years.” In this article, CNBC compiled predictions from 16 Wall Street firms concerning where the S&P 500 would end up for the year...
    Articles, Financial Planning & Budgeting, Finding an Advisor, Investments, Retirement
  9. By: Terry Roe
    February 15, 2018
    Remember last fall when President Trump and Congress launched their efforts to overhaul the tax code? They told us we would soon be filing our taxes on a postcard and there would only be three tax brackets. Well, that isn’t what happened, so let me review with you some of the things that did happen. Tax Rates The lowest tax rate, 10%, remained unchanged. The remaining tax rates, 15%, 25%, 28%, 33%, 35% and 39.6% were replaced with 12%, 22%, 24%, 32%, 35% and 37%. These changes in the tax rates allow...
    Articles, Financial Planning & Budgeting, Tax Planning
  10. May 15, 2017
    We all want peace of mind with our financial future. The problem is, we live in a world filled with uncertainty. What will President Trump do? How will it affect stock prices? Will the market go up or down? When (not if) will the next crash be? One thing we do know with certainty is that markets have been, are and will continue to be volatile. Even though markets will continue to be unpredictable, your retirement plan does not have to be. Most people have two problems when it comes to their retirement...
  11. April 15, 2017
    How much do you know about your individual retirement account (IRA)? One of the most important features of your IRA is that it is an individual account. You can customize your deposits, take withdrawals when you want, and are responsible for paying any taxes or penalties on each distribution. You can also control what happens to your account after you die by designating beneficiaries. As you determine your optimal IRA strategy, it is important to keep in mind a variety of laws applicable to both...
  12. By: Terry Roe
    March 15, 2017
    If you are not a part of the financial industry, you are probably unaware that this past spring the Department of Labor finalized the fiduciary rule.  The fiduciary rule will hold all financial advisors who provide retirement investment advice (401(k), IRAs, IRA Rollovers, etc.), to a “fiduciary standard” – or in other words, require them to put their client’s best interest above all else.  This new rule is expected to take effect in April 2017.  It is noteworthy that the new rule...
  13. February 24, 2017
    In the summer of 2016, Ken Simpson and Terry Roe pedaled 4,270 miles across the United States and completed the 2016 Trans Am Bike Race from Yorktown, VA to Astoria, OR. Please join us on Thursday, March 9, 2017 in the comfortable theater at the ARTitorium on Broadway for a special movie presentation of their exciting adventure! Showtimes are 7 P.M. and 8 P.M. Movie theatre snacks (popcorn, candy bars, and cold soda) will be provided. You can visit the event page and RSVP on Facebook.
  14. February 23, 2017
    Shortly after the recent presidential election, I received an email from a client asking me what was going to happen to the market now. He not only emailed me but also copied his family members. So, instead of giving him a call to discuss his concerns, I decided to respond to his email with an email that was copied to all of his family. I believe that his concerns are felt by many of us; so, with my client’s permission, I decided to share my response with each of you. Dear (Client and family), Before...
  15. October 03, 2016
    October 2016 Next month, Americans will head to the polls to elect the next president of the United States. While the outcome is unknown, one thing is for certain: There will be a steady stream of opinions from pundits and prognosticators about how the election will impact the stock market. As we explain below, investors would be well-served to avoid the temptation to make significant changes to a long-term investment plan based upon these sorts of predictions. SHORT-TERM TRADING AND PRESIDENTIAL...
  16. September 12, 2016
    In 2015, Fidelity Investments conducted a study to measure how women view and address their finances. Despite the fact that 92% of women said they want to learn more about financial planning, only 47% said they would be confident discussing money and investing with a financial professional on their own, and 80% said they had refrained from discussing their finances with those they are close to. In my experience as a registered investment advisor, it seems that within married couples, typically one...