If you have college-age children you’re probably familiar with the Free Application for Federal Student Aid (FAFSA) form and provisions. There were some pretty major changes made as part of the Consolidated Appropriations Act that was passed at the tail end of 2020. Here’s a brief summary. The Expected Family Contribution (EFC) has been renamed…
Read more
It wasn’t that long ago that people expected a common 60/40 investment portfolio (that is, 60% stocks and 40% bonds) to return close to 10% without a lot of volatility. Good luck getting that kind of return today. Why? It’s primarily because bond interest rates have hit their lowest point in generations and have remained…
Read more
A couple of months ago I wrote about the consequences of investing at stock market highs. Or rather the lack of consequences. See https://www.cognizantwealth.com/2020/10/20/is-trying-to-time-the-market-worth-it/. Here’s some additional data demonstrating why the fear of investing when stocks are highly valued is misplaced. J.P. Morgan Wealth Management logged each of the days on which the S&P 500…
Read more
A headline in the San Jose Mercury News caught my eye the other day: “State’s COVID-19 case rate explodes.” One would get the impression that half the population of California is sick with COVID. While the media does tend to overdramatize events, the data they reported is correct. The latest weekly rate of new infections…
Read more
One key watchword in the investment world is diversification. I suspect that a large majority of investors would probably agree as to the importance of this approach for managing investment risk as well as the risk of running out of money in retirement. In our firm’s case we diversify not just across different asset classes…
Read more
California’s Prop 19, which narrowly passed last week, was promoted primarily as a way to help disaster victims avoid potentially steep property tax increases after being forced to move. However, it also includes a very complicated change to two current benefits, one involving the transfer of ownership from parents to children, and the other associated…
Read more
Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
All advisory services are provided by Perigon, a federally registered investment advisor.
For additional disclosures, please visit www.perigonwealth.com.
Important disclosure information is also available at: https://adviserinfo.sec.gov/firm/summary/131037 and https://www.investor.gov/CRS.
© 2025 - Cognizant Wealth Advisors
Recent Comments