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Good Stuff

  1. People Have Memories, Markets Don't.
    January 31, 2023
    By David Booth, Chairman & Founder of Dimensional Fund Advisors One of the best things about markets is that they don’t have memories. They don’t remember what happened last week or last year. They don’t even remember what happened a minute ago. Prices change based on what’s happening right now and what people think will happen in the future. People have memories. Markets don’t. And that’s a good thing. So as you start 2023, take a lesson from the market. Don’t begin this new year bogged down...
  2. Focus on the Long Term
    June 20, 2022
    It’s common for people to move south in search of more sunshine. But do they expect balmy conditions all the time? No. That’s the weather, which can change from day to day. Instead, they’re relocating for the climate, the conditions they expect over the long term. Because while it will often be sunny, people know a thunderstorm can blow through. Daily stock movements are like the weather – they vary from day to day. While some days will bring rain, you invest because you expect to be rewarded over...
  3. Women, Are You Financially Aware?
    March 20, 2022
    In 2021, Fidelity Investments conducted a study to gather insights into women’s attitudes and behaviors surrounding investing. While more women than ever are taking a seat at the investing table, only 31% feel confident planning for their financial needs in retirement. As an experienced financial advisor, I have found that, within married couples, one spouse is typically less interested in being part of the financial decision-making process. Often, it is the wife. While this article is directed towards...
  4. What is Tax Planning Anyway?
    By: Terry Roe
    March 06, 2022
    Tax planning is financial planning for tax efficiency. Early in my career, in simpler times , tax planning was often thought of as simply deferring income and accelerating deductions at year end. Some st ill have, what I consider, this short-term view. They think successful tax planning is paying the lowest tax legally possible for a given year. In today’s complex world, this short-term view can prove to be very costly to accomplishing your long-term financial planning goals. Before sharing tax planning...
  5. Consider the Long View
    February 20, 2022
    We’re kicking off the new year with many consumer products in short supply; however, predictions about the stock market and the economy are plentiful. With uncertainty surrounding interest rates, supply chains and inflation, the economic disruptions of the past two years have left us wondering whether markets will ever return to “normal.” One thing remains unchanged: markets and the economy are unpredictable. Despite investors’ worst fears during the past two years, the S&P 500 index has gained...
  6. Lessons Learned From the Stock Market Over the Last Decade
    By: Terry Roe
    February 17, 2021
    My partner, Aaron Sautter, has written a great article entitled “2020 Stock Market Lessons.” The lessons learned in 2020 are a synopsis of investment lessons repeated over the decades. I would like to take you back and revisit the last decade, 2010–2019. Each of us, no doubt, experienced many ups and downs during the decade. However, very few of us experienced only the joys of life and none of the heartache. The financial markets are a bit like life, full of ups and downs. Unfortunately, unlike...
  7. 2020 Stock Market Lessons
    February 08, 2021
    Has it only been a year? I know I’m not the only one asking the question. So much has already been said about the year 2020. The COVID-19 health crisis and the subsequent social and political unrest this past year have forced us all to adapt to an ever-changing environment. The disruptions have left many of us wondering whether life will ever return to “normal”. With emotions on edge and our trust waning, we turn the page on 2020 and look to a new year. How do we make sense of all of these changes?...
  8. Elections - What Do They Mean For Markets?
    September 28, 2020
    It’s almost Election Day in the US once again. While the outcome of the election is uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the days to come. In financial circles, this will almost assuredly include any potential for perceived impact on markets. But should long-term investors focus on elections? We would caution our clients against making short-term changes to a long-term plan to try to profit or avoid losses from changes in the political...
  9. Beware of COVID-19 Related Scams
    March 30, 2020
    It has come to our attention that there are a number of new scams regarding stimulus payment processing and phishing campaigns that are using COVID-19 as a lure. Here are some tips to help you avoid being the victim of such scams: If you got a phishing email, forward it to the Anti-Phishing Working Group at reportphishing@apwg.org. If you got a phishing text message, forward it to SPAM (7726). Report the phishing attack to the FTC at ftc.gov/complaint. The information you give can help...
  10. A Better Investment Experience
    March 16, 2020
    As we look back at the 2019 stock market performance, what lessons can we take with us into 2020 and beyond? In January of 2019, many investors were anticipating a recession, and unfortunately some investors followed their “gut” and sold stock, expecting the December 2018 stock market decline to continue. The S&P 500 declined 7.18%, including reinvested dividends, from November 1, 2018, to December 31, 2018. Despite investors’ worst fears, the S&P 500 gained 31.49%, including reinvested...
  11. Coronavirus & Market Declines
    March 11, 2020
    We recognize that recent news of the spread of the coronavirus, coupled with the market volatility we have experienced over the last few weeks can be worrying. The uncertainty is being felt around the globe, and it is unsettling on a human level as well as from the perspective of how markets respond. Market declines can occur when investors are forced to reassess expectations for the future. The expansion of the outbreak is causing worry among governments, companies, and individuals about the impact...
  12. Tax Planning for IRA Distributions under the New Tax Law
    By: Terry Roe
    February 17, 2020
    As most of you know by now, the SECURE Act “the Act” was signed into law in December 2019. Many of the provisions impacting retirement planning and IRA distribution planning went into effect January 1, 2020. I am going to review a few of the provisions of the Act, but as always, encourage you to consult with your own tax and investment advisors to determine how your specific circumstances may have been impacted by the Act. Required Minimum Distributions (RMDs) The Act states that the beginning required...
  13. Protecting Yourself Against Advisor Risk
    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....
  14. Tax Planning for Charitable Giving under the New Tax Law
    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...
  15. Perspective on 2018
    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...
  16. Are You Ready to Retire?
    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,...

The articles provided on this page are intended to be educational and informational only. The content describes our firm’s and our professionals’ recommendations or opinions as of a specific prior date. Due to various factors, including changing market conditions, that information may no longer be reflective of current opinions or recommendations. While information presented is believed to be factual and up to date, Onyx Financial Advisors, LLC does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No reader should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from Onyx Financial Advisors, LLC or from any other investment professional. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced herein. Onyx Financial Advisors, LLC is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Readers, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.