Lorne Abramson, CFA, CFP®, Principal and Co-Founder of ELM Advisors, and Robert Caplan, CPA, Managing Partner of Caplan and Wong, CPAs, LLP, discuss some key planning issues, particularly for retirees, in light of possible new tax legislation:
Many of our retired and soon-to-be retired clients also happen to be grandparents, and as such, they frequently ask us how they can help pay for their grandchildren’s college costs. [Read more…]
When planning for retirement, your investment portfolio tends to be the focal point. But your house may represent a significant store of wealth on your balance sheet, too, particularly if you have lived in it for a long time. [Read more…]
“God give me the serenity to accept the things I cannot predict, the courage to predict the things I can, and the wisdom to buy index funds.” —Nate Silver, Statistician
Clearly, this past year was momentous on the geopolitical front, with two events in particular—the results of both the Brexit vote and the U.S. presidential election—surprising the vast majority of prediction experts and pollsters. [Read more…]
Lorne Abramson, CFA, CFP®, Principal and Co-Founder of ELM Advisors, and Walter Shjeflo, J.D., Partner in Fox, Shjeflo, Hartley & Babu, LLC, discuss some key estate planning ramifications in light of major changes resulting from 2012 legislation.
Given that we work with many clients who are either retired or approaching retirement, the subject of annuities is a topic that occasionally surfaces during the course of our conversations. [Read more…]
For many, health insurance and health care services are likely to be among the largest expenses in retirement. The fact that health care costs continue to rise faster than the rate of overall inflation can be a source of concern for retirees and those contemplating retirement. [Read more…]
Lorne Abramson, CFA, CFP®, Principal and Co-Founder of ELM Advisors, and Stephen Steiner, J.D., Director of Gift Planning at the San Francisco Symphony, discuss various tax-efficient means and vehicles for charitable giving.
Over the years, we’ve occasionally been asked for our opinion on commodities as an investment. After all, commodities, or so-called real or hard assets, are often cited for their potential diversification merit, as well as a means of preserving asset values in periods of rising inflation. [Read more…]