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Good Stuff

  1. 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...
  2. 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?...
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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....
  9. 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...
  10. 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...
  11. 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,...
  12. 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...
  13. 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...
  14. 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
  15. 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
  16. 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