Author Archives: Grace Rohrwasser

There’s More to Celebrate as We Head Into the Holidays – IRS Announces Changes!

Planning Article

November 2023 – By Tom Rueger, J.D., CFP®

As we head into the 2023 holiday season there is now one more thing to celebrate this year…wait for it…the new 2024 tax brackets are here! Does it get any better than that??? Hopefully, it does get better than that and, if not, you should start working on your New Year’s resolutions! All joking aside, the IRS has announced what the income tax brackets and standard deductions will be for the 2024 tax year (taxes filed in 2025).

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The Economics of Tax-Loss Harvesting

Market Minute

November 2023 – By Bob Veres

’Tis the season when many financial services professionals look at the best way to offset the taxable dividend distributions their clients might be receiving, using losses that can be ‘harvested’ by selling under-water investments and booking the losses on taxable (that is, not IRA or Roth) accounts.  This is not always a trivial exercise; a website called Capital Gains Valet reports that last year, 34 different mutual funds distributed more than 30% of their total value in the form of taxable distributions.

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Prepare for Landing

Market Memo

October 2023 – By Kyle Rohrwasser

Since July of 2022, we have had an inverted yield curve. This is when the 2-year treasury bond has a higher yield than the 10-year treasury bond. Typically, investors expect to receive a higher yield the longer the maturity of the bond. When the yield curve inverts it signals potential economic stress reflecting the uncertainty over the longer time horizon. Since 1978 the yield curve has inverted 6 times and each time a recession has followed. 2008 being the most recent and deepest.

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