Beyond the Bell Archives | Page 13 of 28 | Fee-Only Retirement Planning in Rochester NY

Help Maximize Returns: A Comprehensive Guide to Savings and Short-Term Investments

Sarah Swan April 9, 2024

Over the last couple of years, a very commonly asked question we hear from clients or regularly address in our financial planning process with individuals is what to do with savings in this environment of higher short-term interest rates. It’s a good question, and one that hadn’t been particularly relevant in the decade prior, marked by near-zero interest rates. It’s relevant now and continues to be relevant.

VR googles showing an image of a Metavers isometric illustration with meme coins

Investors, Speculators, and Irrational Markets: Why We Focus on the Long-Term

Michael Carrico March 22, 2024

Among my friends in the industry, we tend to challenge one another’s thinking and ask interesting questions just for fun. Well, I call it fun, though our significant others may beg to differ when it comes up at dinner parties. Lately there have been several discussions about whether current prices are justified by underlying fundamentals and one friend even suggested he may use some “fun money” to short NVDA. This inevitably led my other friend to a quote he has revisited often as of late…

Distance and Time

Dylan Potter March 17, 2024

Land navigation, in Army jargon, is the act of navigating from one point to another over long distances in varied terrain using a map, protractor, and compass. Every major selection event in the Army (Ranger School, Special Forces selection, etc.) has a graded land navigation component as part of the larger selection event.

Paint chips in whites, reds, and oranges

Business Entity Selection for Small Business Owners

Mary Grace Graniero March 11, 2024

One of the most important decisions that small business owners face is selecting the right type of business entity. There are many options available, such as sole proprietorships, partnerships, limited liability companies (LLC), and corporations. The type of entity you select will affect everything from your day-to-day operations to the amount of liability you are exposing yourself to. This article will evaluate the pros and cons of each option in order to help you determine which structure would suit you and your business the best.

green smoothie in a glass with a metal straw held by a 30-something

6 things to improve your financial well-being in your 30s

Sarah Swan March 1, 2024

A checklist for all of you 30-somethings out there to improve your financial well-being today.

Illustration of chess game with magnificent seven logos and

How Are the Magnificent 7 Faring Through Earnings Season?

Michael Carrico February 23, 2024

The S&P 500 closed last week down 0.42% ending a five-week winning streak and pulling back from a string of record-breaking highs. The dour mood continued into the beginning of this week and the S&P 500 only barely squeaked out a positive return in the last few minutes of trading on Wednesday leading up to the Nvidia earnings release only to turn on a dime and power back on Thursday. There are explanations for this activity which I’ll explore below. However, the bottom line is that volatility is back in the markets, and we are seeing that in the reactions to earnings announcements this quarter. As of Wednesday night, the companies dubbed the Magnificent 7 have all reported earnings and they seem as good an example as any to explore how changing expectations are impacting stock prices.

Street$marts: 6 common problems we help our wealth management clients address

Sarah Swan February 15, 2024

Sarah Swan, Certified Financial Planner and Wealth Manager at Howe & Rusling, covers some very common issues we often see when it comes to clients’ investments or finances generally.

Mountain landscape with child in a field of wheat looking up in amazment

Insights: Back to the Basics

Sarah Swan February 8, 2024

As I’ve gotten older, I have liked the idea of setting intentions for myself, deciding to grant mental real estate to things I’d like to spend more time doing or trying. These aren’t New Year’s Resolutions about abstaining from alcohol or getting my heart rate up 5x per week (or other new habits that die quickly about this time of year). These are… bigger than that, but also simpler than that. And that is what makes them challenging.

A Guide to the 72(q)/72(t) Distribution Method

Dylan Potter February 7, 2024

In this episode of StreetSmarts, Dylan Potter, Vice President and Wealth Manager at Howe & Rusling, delves into the intricacies of Section 72(q)/72(t) of the tax code, which provides a distribution method that will allow you the flexibility to draw on retirement accounts, penalty-free, before the age of 59 ½.

Kodak slide of beach held up into the light of a sunset

“Optimism is a Moral Duty”

Dylan Potter February 2, 2024

This newsletter is going to come across a bit disjointed. There are a couple different topics I wanted to touch on, so I thought I’d do a bit on each topic running through my head in quick fashion.

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