Category: Planning for Executives
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Fiduciary Papers #12: The Prudent Investor Rule’s Requirement for Tax Efficient-Investing
OVERVIEW: THE PRUDENT INVESTOR RULE The Uniform Prudent Investor Act (UPIA) (1995), adopted in some form by all 50 states, applies to the investment of private trust funds. The Prudent Investor Rule, which forms the core of the UPIA, also applies in other contexts, such as to guardians, conservators, executors of estates, trustees of charitable…
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Use of Factor Investing in Portfolio Design for Retirees and Accumulators
In previous posts I discussed several “factors” – characteristics of stocks – that can be utilized in portfolio construction to seek to improve equity (stock) returns over long periods of time (10-20 years) with a high degree of probability. Over the next 20 years, exposure to these factors brings with it a very strong probability…
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SECURE ACT 2.0: Using 529 Accounts to Fund Roth IRAs
Let’s face it. Most of the funding of 529 accounts comes from higher-net-income parents, and/or wealthy grandparents. One of the problems with 529 accounts is that – if the money is not utilized for college (for example, the beneficiary does not attend college, or receives a good scholarship) – then alternative uses for the 529…
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FOCUS REPORT: THE RATE OF INFLATION DRAMATICALLY INCREASES
Executive Summary: Price Increases Abound; Federal Reserve Likely to Raise Fed Funds Rate to Above-Neutral Policy Levels; Some Relief Likely in Late 2022 or 2023 The Russia-Ukraine war has taken a terrible human toll and resulted in huge price hikes for energy and agricultural goods. Rising real estate prices and interest rates are stifling the…
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Establishing Your “Bucket List” with the “Five-Year Question”
by Ron A. Rhoades, JD, CFP One key to happiness in life is identifying, then mapping out a plan for achieving, your lifetime goals. Part of this process may involve the formulation of a “bucket list” – which can then be modified over time. Within the ARGI Financial Group, we believe that the accumulation of…
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Cryptocurrencies: Signed Pieces of Paper in Search of the “Greater Fool”
Do cryptocurrencies possess any real value? Years from now, this fad will pass.