This is a question I get quite frequently from clients, friends, relatives, and even strangers that I meet at seminars. When I inquire as to what prompted such a question, the responses run the gamut from “I read that stocks are overpriced right now” to “The loud-talking guy on TV said so.” In this post…
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In a recent article in Morningstar, John Rekenthaler talked about how Ameriprise and other brokerages/custodians/advisors offer funds based on how much revenue they get from the fund companies. These so-called revenue-sharing agreements, he argues, are a way for the brokerages to hide the income they are actually earning from the advice they are providing to…
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Risk is a commonly used term when it comes to investing, and its importance cannot be overstated. While we cannot control the returns that we get from our investments, we can and should manage the risk very carefully. As I have written before (Don’t Overlook the Risk of your Investments), there are many different types…
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In honor(?) of tax reporting season, here are some ways you might be able to use your pet to save money on your income taxes. Thanks to Emily Zulz of ThinkAdvisor.com for having compiled the original list. Hire your pet for your small business. You heard that right! If you are a small business owner,…
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An article with the provocative title “Why 60/40 Portfolios Are Downright Dangerous Today” caught my eye the other day. It was in a financial planning trade publication targeted to financial advisors and asserted the following: Bonds and stocks used to be negatively correlated with each other but no longer are. Advisors are not making enough…
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Anyone who has contributed to an Individual Retirement Plan (IRA) is likely aware of the plan’s primary restriction, namely that you cannot withdraw the money until you reach the age of 59½. At the same time, the government didn’t want this restriction to be too onerous, so rather than making it impossible, they simply decreed…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
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