Author Archives for Marc Jimenez, CFA, CFP®

Don’t Debate Your Retirement Income Strategy

July 19, 2018 1:00 pm Published by Comments Off on Don’t Debate Your Retirement Income Strategy

We often discuss with clients how to create a proper retirement income strategy. Given so many retirement assumptions are different in today’s environment, its probably a good idea that many investors revisit their approach, especially since we have found that the key to creating sustainable lifetime income is mostly attributed to smart financial planning and investor behavior. However, one topic... View Article


Financial Planning, Index Investing and Bad Behavior

June 21, 2018 10:00 am Published by Comments Off on Financial Planning, Index Investing and Bad Behavior

When it comes to financial planning and investing, we can all agree that each investor situation can be very unique and require different solutions in order to meet one’s goals or objectives. However, there are two phrases that I believe apply to almost every individual client I have ever served over my twenty year career. “The market doesn’t owe you... View Article


Tax Planning Arbitrage for 2018

May 17, 2018 10:00 am Published by Comments Off on Tax Planning Arbitrage for 2018

2018 has provided new financial planning opportunities for many of us. As we highlighted in our recent January blog entry, Financial Planning and Tax Reform, recent tax law changes have required many of us to review the impact on our own situation. If you throw in a decade-long bull market for stocks, many investors need to review tax planning opportunities... View Article


Who Doesn’t Like Volatility

April 12, 2018 11:00 am Published by Comments Off on Who Doesn’t Like Volatility

As we recap the first quarter of 2018, January saw the stock market continue its rapid surge upward, but the party did not last long on Wall Street. Volatility returned to the market in a significant way by the end of the month, and stocks have whipsawed up and down ever since. Not surprisingly, the media had their way with... View Article


Goodbye Old Retirement Assumptions

March 22, 2018 11:00 am Published by Comments Off on Goodbye Old Retirement Assumptions

Based on a 2017 Retirement Confidence Survey by EBRI, only 18% of American workers feel very confident that they will have enough money to live comfortably in retirement. With this in mind, there are numerous demographic and social changes, such as greater longevity and improvements to technology, that are fundamentally changing the ways people live after they complete their primary... View Article


Mind Over Model in Factor Investing

March 1, 2018 2:00 pm Published by Comments Off on Mind Over Model in Factor Investing

Checking the weather? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are inherently incomplete simplifications of reality. In this short entry, we discuss these considerations when it comes to factor investing. In investing, factor models have been a frequent topic of discussion. Often marketed as smart beta... View Article


Crystal Balls and Investor Behavior in 2018

January 18, 2018 9:00 am Published by Comments Off on Crystal Balls and Investor Behavior in 2018

As 2018 began, the major U.S. stock market indexes surged to yet another round of record highs. The first week of January saw the Nasdaq index top 7,000, the S&P 500 index clear the 2,700 mark, and the Dow Jones Industrial Average hit 25,000. Following this recent performance, some may ask what role investor behavior has had on portfolio returns.... View Article


Financial Planning and Tax Reform

January 11, 2018 8:00 am Published by Comments Off on Financial Planning and Tax Reform

The 2018 TAX CUTS AND JOBS ACT As most of us know, on January 1st, 2018 a not so “simple” tax reform went into effect. We recommend in order to get the most benefit from the changes, while avoiding mistakes under them, you may need to update your tax and financial strategies right away. Here are some FAQs to help... View Article


Bitcoin, Blockchain, and Investor Discipline

December 15, 2017 8:00 am Published by Comments Off on Bitcoin, Blockchain, and Investor Discipline

As the author of this blog, and regardless of opinion, in full disclosure I feel its important to disclose that I do not own any Bitcoin in my portfolio. However, I do see the growing innovation in blockchain technology as something to keep a close eye on in the future. **** Bitcoin and other cryptocurrencies are receiving intense media coverage,... View Article


2017 Income and Capital Gain Distributions

December 7, 2017 12:00 pm Published by Comments Off on 2017 Income and Capital Gain Distributions

Unfortunately for many, 2017 will not be as tax-friendly of a year with several widely held funds already reporting estimates far north of our numbers. As we know from different economic cycles across both bull and bear markets, the tax implications from capital gains can vary dramatically and its important to position yourself in the best possibly manner. The following... View Article