Navigating Social Security Decisions With Poor Visibility

Posted by Tim Doyle on November 15, 2017

Several years ago while skiing, my wife and I found ourselves alone on the Timberline chairlift, ascending to the peak of Mary Jane in windy, whiteout conditions.  As many of you know, high country weather can change in a heartbeat, and our pleasant day had quickly turned into the perfect storm.

As we approached the summit, we began to grow nervous as visibility diminished to about twenty feet, and we could no longer see the chair ahead of us. We’d skied Mary Jane only once before, and we were about to enter treacherous, unfamiliar terrain without a clear strategy for how we were going to descend.

Delegating Tax Loss Harvesting to Your Team

Posted by Jarrod Musick on October 25, 2017

One of the biggest pain points that our clients bring up with us during our initial conversations is that their taxes are high and complicated, and that they need help simplifying the process. Delegating the operations of your financial life can dramatically decrease the amount of time and emotional energy you must devote to it. There are a number of simple strategies that you can delegate to your tax or investment team, but one of the best is how to limit the amount of taxes that result from the performance of your investments. Below we discuss tax loss harvesting, a tool that you can use to help reduce your taxes.

Being Intentional About Your Goals

Posted by Jarrod Musick on September 27, 2017

“If you don’t know where you’re going, any road will get you there.” - Lewis Carroll


This is a paraphrased conversation between Alice and the Cheshire Cat, in Carroll’s Alice in Wonderland, where Alice wants to know how to get somewhere but isn’t really sure where it is she wants to go. While it all works out relatively well for Alice in the end, it isn’t the ideal approach for most of us when it comes to managing our business or career.

What The Recent Equifax Breach Really Means

Posted by Steve Musick on September 27, 2017

The entire idea of personal security just became extinct.

New face recognition systems are being developed. I can see those systems being used to enter public venues, like sporting events and public transportation. There will be nowhere to hide! What will the world of tomorrow become? My guess is that only the security geeks of Silicon Valley know for sure. Allow me to speculate a bit in these next few paragraphs.

How We Can Help Reduce Your Tax Bill Through Planning

Posted by Steve Musick on September 20, 2017

Understanding your total tax bill and making accurate tax projections is a complex process. The following information will give you a detailed breakdown of the various taxes by type and how the projections are done.

How Financial Structure Can Help You Be More Present

Posted by Jarrod Musick on September 14, 2017

Recently, I had an experience that perfectly illustrates what being distracted, and not present, looks like. I had been sitting on the floor playing with my two year old twins with my phone in my pocket. Normally, I have my phone put away when I am home, specifically so that I can spend quality time with them. But for some reason it was still in my pocket and buzzed with a text message. Out of reflex I pulled it out and headed down the mobile device rabbit hole as I moved from responding to that text message to my email inbox. And then, literally out of nowhere, a plastic sippy cup of milk smacked me in the temple! Not truly out of nowhere, but out of the hand of my daughter who gave a giggle and responded with “Hi Daddy” when I looked up. Talk about getting smacked in the face with the realization that I had been doing exactly the opposite of what I wanted to do in that moment. Rather than being engaged and present with my kids, I was sucked into my phone.

Topics: Asset Management

Why Is All The Good Stuff Private?

Posted by Jarrod Musick on August 23, 2017

Since 1996 the number of publicly traded companies listed on US securities exchanges has dropped by almost half! In 1996, about 8,000 companies were listed; today that number is about 4,300. The data shows that three factors have contributed to this large reduction in listings: companies have voluntarily delisted (gone private), been consolidated through mergers and acquisitions, or new companies have chosen to not become publicly traded. A number of studies have identified several possible root causes, such as the cost of compliance with listing requirements, the availability of large amounts of private equity funding, and low interest rates that allow large companies to acquire younger companies using debt.

Topics: Asset Management

What The First Year of Retirement Looks Like

Posted by Steve Musick on August 17, 2017

After 41 years of working with clients, you can imagine we have been there for hundreds of transitions from the world of work to the world of retirement. Surprisingly, the financial aspects are the most straightforward and easiest to navigate around. Far more difficult are the emotional aspects.  

Topics: Retirement Savings, Retirement Income, Goal Planning

5 Signs That You’re Dealing with a Top Financial Planner

Posted by Jarrod Musick on August 07, 2017

When you’re looking for a doctor, you want to get the best one you possibly can. This is because you don’t want to put your health at risk by dealing with an incompetent health care professional. There are many factors to consider when getting the best doctor. It might be their credentials in their studies, their reputation in the field, and years of experience. 

Topics: Financial Life, Financial Planning

The Seven Elements of Alimony Payments

Posted by Amy Bertle on July 27, 2017

One of the last steps of the divorce process is determining how much, if any, alimony needs to be paid from one spouse to the other. It is one of the final steps because how the property itself is divided (marital and/or non marital property) is a major factor in determining spousal support. If alimony is to be paid, there are seven factors that are required to qualify the payments from one spouse to another as spousal support.


Without all seven of these elements, a court would not recognize the transfer of money from one spouse to another as alimony.


Topics: Risk Management, Alimony

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