Does it seem to you that the stock market is totally disconnected from the reality of the economy? Business news has been as bad as it gets. The number of unemployed workers has reached record-setting levels while GDP has declined to levels not seen since the 1930s. Federal debt has increased by over $3 trillion.…
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Every week I receive numerous invitations to attend some financial conference or webinar offered by a so-called “thought leader.” Have you ever wondered how one qualifies for this particular epithet? I searched Google for the topic “How to become a thought leader” and found dozens of articles. Most talked about domain expertise, motivational skills, and…
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Whenever stock prices take a hit, volatility generally increases. By that I mean daily price swings become more extreme – both in size as well as in speed – as compared to longer-term averages. That’s the situation in which we found ourselves after COVID-19 decimated world economies. When was the last time you saw the…
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This may seem like an unusual year to be talking about required minimum distributions (RMDs) since Congress has temporarily eliminated them in 2020 due to the COVID-19 pandemic. But they haven’t gone away. After all, the government does need to collect the taxes they allowed you to defer throughout your working years. If you’re a…
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There are really two questions here. The first is whether or not the cost of the CARES Act and the other federal government rescue/stimulus spending packages could drive the U.S. government into bankruptcy. The second concerns the impact on our children and grandchildren of the mountain of federal debt that will be left to them.…
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Federal tax benefits for the charitably-inclined have undergone a seismic shift over the past three years. Between the Tax Cuts and Jobs Act of 2017, the SECURE Act of 2019, and the three acts passed earlier this year collectively known as the CARES Act, the federal government has not only changed the rules but has…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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Important disclosure information is also available at: https://adviserinfo.sec.gov/firm/summary/131037 and https://www.investor.gov/CRS.
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