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An expansive worldview on markets and the economy.

5 Critical Mistakes to Avoid as a Bond Investor in 2018
By Constantine Hatzivassiliou

Is the volatility in bond yields keeping you up at night? Concerned about further interest rate hikes? Is your broker telling you not to worry about the losses in your bond portfolio because you may “recoup” lost principal at maturity? Don’t be passive in this environment; in the first of a two-part series, we will introduce active bond strategies that may be more effective. First, let’s dive into five critical mistakes to avoid when investing in today’s bond market...

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Do You Know How Your Advisor Is Being Compensated?
By Constantine Hatzivassiliou

Not all financial advisors are created equally, and it is important to understand and recognize the difference between them. Historically, the wealth management industry has utilized three common compensation models. The first compensation model is based on commission, where advisors receive compensation for steering their clients towards certain financial products, blurring the line between the client’s best interest versus their own. The second is a non-commissioned based financial model, where advisors operate on a fee-only basis ...

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Is Your Advisor Acting As Your Fiduciary? I Am and Here's Why
By Kara Boccella

The word “fiduciary” comes from the Latin word “fiducia,” meaning trust. A fiduciary is an individual or firm, typically a financial or investment advisor, who manages another party’s assets and is legally obligated to act in that party’s best financial interest. Advisors held to a fiduciary standard are not typically motivated by third-party incentives or commissions. Their primary purpose is to ensure the financial well-being of their clients and not be enticed by the prospect of their own financial gain...

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The Market Crashed – Can You Still Afford to Retire?
By Kara Boccella

During periods of volatility in the market, are you stressed? Are you wondering if you should be making adjustments within your portfolio? Are you concerned that you may not be sufficiently prepared, much less have the right financial plan in place, to allow you to maintain your current living standard(s) as you move into retirement?Everyone knows markets go up and they go down; there is no escaping that fact….

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529 – Why This Savings Plan May Not Be For You
By Kara Boccella

529 Plans are education savings plans sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of the Internal Revenue Code. Contributions to 529 plans are not deductible on your Federal Income Tax Return and many states allow an income tax deduction for contributions. Please note that other states such as California, Delaware, Hawaii, Kentucky, Maine, New Jersey, and North Carolina do not allow for these deductions….

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