A Roadmap Through the Presidential Election Uncertainty

A Roadmap Through the Presidential Election Uncertainty

As we move ever closer to November 3rd, the 2020 presidential election is once again shaping up to be a polarizing event for our country. To top it off, the impacts of COVID-19 bring new challenges regarding the voting process and its integrity, due in part to an election that will involve the widespread use […]

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Impact Investing

Impact Investing

It’s not necessary to do extraordinary things to get extraordinary results.” – Warren Buffett Since RTD’s founding in 1983, we have been inspired over the years by the generous passion of so many individuals and corporations who have been striving to make this a world a better place, not just for today but for generations to […]

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If All Your Friends Jumped Off a Bridge, Would You?

If All Your Friends Jumped Off a Bridge, Would You?

The recent market volatility has brought the subject of behavioral finance back into focus.  There are biases inherent in the human mind that affect a person’s ability to make sound decisions, whether they are related to an investment portfolio or everyday life.  Over the coming quarters, I’ll be looking at a number of these biases […]

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Unwinding Timeshares

Unwinding Timeshares

While timeshares can offer access to an exciting vacation destinations, they often lose their luster and benefits go underutilized. So, what happens when you want out? Unfortunately, timeshare contracts can be difficult to unwind, and additional complexity arises in determining what will happen to the timeshare upon your passing. What happens if I pass while […]

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Coronavirus Update

Coronavirus Update

By now you know, on December 31, 2019, China reported a cluster of cases of pneumonia in people associated with the Huanan Seafood Wholesale Market in Wuhan, Hubei Province.  A week later, Chinese health authorities confirmed that this cluster was associated with a novel coronavirus now identified as COVID-19.  By January 30, 2020, a total […]

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Asset Location: Maximizing Growth While Minimizing Taxes

Asset Location: Maximizing Growth While Minimizing Taxes

When building an investment portfolio, we often spend a lot of time on what specific asset classes will make up the “investment pie.” Determining the right mix of asset types, namely stocks and bonds, to help maximize profits while minimizing risk is what we refer to as Asset Allocation. The idea is to strike the […]

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Will You Receive a Surprise Tax Bill in 2019?

Will You Receive a Surprise Tax Bill in 2019?

2018 will not go down as a great year in the investment world, as the volatility of the fourth quarter brought stock market losses across all major asset classes. Despite this, many actively managed mutual funds distributed significant taxable capital gains in December. This is the result of significant gains that have been building in these funds […]

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Q4 Market Downturn – A Holiday Gift in Disguise?

Q4 Market Downturn – A Holiday Gift in Disguise?

The renewed volatility in financial markets is once again reviving unwelcomed feelings among many investors—feelings of anxiety, fear, and a sense of powerlessness.  As we have discussed in past updates, these are completely natural responses.  What 35 years of riding the waves of choppy markets have taught us, is that maintaining the discipline not to […]

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By Nature or By Mandate?

By Nature or By Mandate?

As many have heard by now, the Department of Labor (DOL) made it clear through its April 6, 2016 ruling that investor interests must come first and their advisors must act in a fiduciary capacity.  The goal of the ruling is to protect investors by requiring all who provide retirement investment advice to plans and […]

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