The Cautious Investor

The trusted Advisors of our Warren Office contribute a monthly article, The Cautious Investor, to The Youngstown Business Journal.

Mutual Funds + December = Capital Gains?

November 21, 2017 | 0 Comments

Imagine this; your friend is preparing his tax returns and is confused as to why he owes taxes on a mutual fund position that he hasn’t sold, and it went down in value from the purchase price. He bought $100,000 worth of a mutual fund on October 1st at $10.00 per share in a taxable…

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It’s Not Your Father’s Stock Market

October 19, 2017 | 0 Comments

This is the “Age of Accelerations,” according to Tom Friedman in his new book Thank You for Being Late. In the book Friedman is referring to the dramatic pace of change in the age of the internet and cloud technologies. As most of us have noticed, the dramatic pace of change is affecting everything in…

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What Should I Be Asking My CPA About My Investments?

September 25, 2017 | 0 Comments

The IRS Tax Code is, as you know, not a small document, nor is it one that remains static year over year.  Given the rapid pace of regulatory changes, many people elect to employ a tax professional to annually help navigate the process and make sure that deductions afforded to you are being taken advantage…

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Comparison: The Killer of Contentment

August 24, 2017 | 0 Comments

I think that wealth, much like temperature, is relative. One person might feel wealthy making a certain amount of money while another person, making the same amount of money, might feel like they’ve only got pennies to their name. Some of us might scoff when a doctor or lawyer says they don’t make enough money…

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Pride and Investing

July 20, 2017 | 0 Comments

“Pride of opinion has been responsible for the downfall of more men on Wall Street than any other factor.” –Charles Dow     Society places a high value on confidence and most people identify it as a key element for success in life. But does it necessarily hold true for successful investing? In daily life…

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Retired? It May Be Ok to Spend Some of That Savings

June 22, 2017 | 0 Comments

Many people who manage to save enough for retirement find it agonizing to start spending that money when the day finally comes. As a result, they needlessly deny themselves the simple pleasures and occasional splurges that can make the difference between a dream retirement and a dreary one. More Americans face the opposite dilemma, of…

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Is Your Investment Rate of Return the Most Important Thing to You?

May 25, 2017 | 0 Comments

Our industry sometimes focuses too narrowly on rate of return. It makes sense when you consider that a percentage is the best way to compare how your investments are doing against the broader market, other investment strategies being deployed, or your friends at the water cooler. But we should remind ourselves that we don’t spend…

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New Report Illustrates Financial Fragility for many American Families

April 21, 2017 | 0 Comments

As Certified Financial Planners we are committed to encouraging savings for a rainy day, whether that is an emergency fund or for retirement. A new report released by the Economic Policy Institute last month further brought into focus the current financial preparedness of the median American family.*  Most statistics seem to quote averages which is…

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Starting Strong: Having a Strategy to Spending Your Money in Retirement

March 23, 2017 | 0 Comments

The irony of it all is that you’ve done the hard part already! Maybe you’ve sacrificed a little from every paycheck to save for retirement and now you’re practically here. If you are like many Americans approaching retirement or recently retired, you too may be finding the decisions you must make on how to spend…

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Overcoming Fear and Greed – Circa 2017

March 2, 2017 | 0 Comments

It seems everyone has an opinion about what is coming next which makes it difficult to tune out the noise and “predictions” of market pundits. But if there is one thing we have learned from the media, it is that no one seems to have a clue what is coming next. There is never a…

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