ELM Advisors hosts two non-profit experts affiliated with California’s Department of Aging’s Health Insurance Counseling and Advocacy Program, in a discussion about Medicare Open Enrollment and the impact of the Affordable Care Act.
Taxes can be one of the biggest investment expenses, but despite this, we often wonder if taxes are an afterthought for many investors. Indeed, mutual fund companies—and the financial media, for that matter—usually tout returns on a pre-tax basis. [Read more…]
Investors certainly had their share of discouraging economic news in 2012—a continued tepid recovery here in the United States, along with the “fiscal cliff,” ongoing travails within the Eurozone, and a slowdown in several key emerging markets, notably the so-called BRIC countries (Brazil, Russia, India, and China). [Read more…]
With the Federal Reserve recently announcing its intention to continue holding short‑term interest rates at or below 0.25% through mid-2015, while also launching an open‑ended, third round of bond purchases (also known as quantitative easing) aimed at lowering longer‑term rates, the prospect of higher rates appears to have been deferred for the time being. [Read more…]
While there’s no shortage of global economic headlines grabbing investors’ attention these days, tax policy here in the United States is shaping up to figure more prominently the closer we get to November’s general election. [Read more…]
We’re happy to inform you that as a result of recent policy changes at Vanguard, our clients will now qualify for a lower-cost share class for many of their mutual funds. [Read more…]