photo by: Jim Saulnier
By Scott Roark, MBA, PhD | December 18, 2020
There is much to be said for the practice of simplifying and de-cluttering in life. It seems like I keep seeing consultants and tools that will help you clean out and organize your garage, your food pantry, or your closet. It seems that the hoarding gene (apparently it resides in a region on Chromosome 14) Read more…
By Scott Roark, MBA, PhD | November 23, 2020
Asset Allocation One of the most important decisions investors make is the “asset allocation” decision. This is the decision about the broad categories of investments that will be held in a portfolio. In the broadest sense, these categories would be things like stocks and bonds. But many times, investors also consider other categories of assets Read more…
By Chris Stein M.S., CFP® | October 16, 2020
A reader would like to know about how COVID-19 will impact his Social Security benefits. “I was planning to retire in the next twelve months. I was born in 1960, so I turned 60 this year. I plan to delay my Social Security benefit until age 70. Each year, I use Social Security’s calculator to Read more…
By Bob Palechek, CPA | October 2, 2020
Today’s blog is about Net Investment Income Tax, otherwise referred to as “NIIT”. NIIT came into existence on January 1, 2013, and applies to individuals, estates, and trusts. The focus for today is on individuals. NIIT is a tax on certain types of investment income applied at 3.8% if the taxpayer has income above certain Read more…
By Scott Roark, MBA, PhD | September 18, 2020
In this blog post, I want to talk about the characteristics of passive and active investing and how those terms relate to activities frequently associated with investing. For a working definition, I am going to consider passive investing as the set of activities and decisions that is consistent with an investor seeking to match the Read more…
By Bob Palechek, CPA | August 7, 2020
This article is to provide you a summary of how charitable deductions work, what is allowed and not allowed, limitations, and new items (see end of article). Charitable donations are deducted on Sch A as itemized deductions. With the increase in standard deduction amounts (now $24,800 for married filing jointly) along with a $10,000 limit Read more…
By Scott Roark, MBA, PhD | July 17, 2020
In podcast episodes and in past blog posts (10/25/2019, 4/20/2019) we’ve talked about the importance of benchmarking – comparing the investment performance on a risk-adjusted basis to an objective measure. At Jim Saulnier & Associates, we use five Morningstar benchmarks that are adjusted based on risk tolerance. The benchmarks are for Conservative portfolios (20% equity, Read more…
By Thomas "Greg" Darden, CLTC | July 3, 2020
Community care retirement communities, also known as CCRCs (or life-plan communities), are a long-term care option for older people for whom it is essential to stay in the same place as they transition through the various phases of the aging process. It is a form of ‘aging in place.’ An Introduction to CCRCs These communities Read more…
By Bob Palechek, CPA | June 19, 2020
Medicare benefits provided to eligible retirees come in various “parts” that apply benefits to various different health-related services. Two parts, parts B & D, are funded primarily by general revenues (transfers from the U.S. Treasury) and premiums paid by enrollees. Premiums paid by enrollees are either deducted from monthly social security benefits or billed separately Read more…
By Scott Roark, MBA, PhD | June 5, 2020
In all of life, we face risk. Some of these risks are for possibilities that are extremely remote (lightning strike, shark bite, lottery win). And in many cases, we can effectively eliminate these risks (don’t play golf in a thunderstorm, don’t swim in the ocean with a papercut and don’t buy lottery tickets). In the Read more…
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Jim Saulnier & Associates, LLC (“RIA Firm”) is an SEC Registered Investment Adviser located in Fort Collins, CO.
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