The most common questions we hear from our non-profit clients when they first connect with RTD are: how do I know what our investment policy should be for our long-term reserves, and, is our current investment policy still appropriate for the long-term reserves of the organization?
Being a business owner comes with a long list of responsibilities and things to think about that extend far beyond the day-to-day operations of the business. Tax implications, insurance coverage, estate planning, are just a few of the issues that all business owners should be aware of and thinking about to maintain a healthy and […]
RTD has been helping clients and their families for over 35 years. “I was named estate executor, what should I do?” is a question we received more than once. Ideally, you were notified well in advance, had conversations, established an inventory of assets and liabilities, obtained copies of key documents, and learned the exact location […]
With stocks and bonds declining in value during the first half of the year due to a myriad of concerns (not the least of which has been the highest inflation rate in nearly 40 years), I Bonds have caught the eye of investors due to their high current interest rate. However, with anything that receives […]
Retirement is one of the most common goals for people across all careers and can be one of the most significant milestones in our lives. However, retiring entails so much more than picking a date on the calendar to stop working. It’s an entire life overhaul that requires years of thought and planning in order […]
Tax loss harvesting is a powerful and valuable investment technique that can provide significant tax savings for investors and make the best of a market downturn. During economic slowdowns and recessions when losses are more prevalent, we typically see most individual investors hold onto their losses because they are afraid to “sell down,” waiting and […]
Shift the paradigm. Remove the mindset of “I make this amount, I spend this amount, and whatever is leftover I may get around to saving.” Focus on your life goals and make this shift: “I make this amount, I need to save this amount for my life goals, and I will spend what’s leftover (my […]
For both personal households and non-profit or for-profit organizations, the pandemic period of the past two years has brought great uncertainty as to its impact on respective income streams. The result for many has been a shift to the maximum safety of cash, money markets and similar vehicles, essentially leaving large amounts of assets sitting […]