The Dry Powder Principle
The Dry Powder Principle is not defensive in spirit. It is disciplined in design. It allows you to pursue long-term growth while protecting your near-term lifestyle. And most importantly, it ensures that when volatility inevitably returns, you are not reacting.
How to Buy Your Next Home Without a Mortgage
Sometimes good planning is not about doing something flashy. It is about avoiding the mistakes that quietly erode wealth over time.
What Indiana Jones Taught Me About Early Roth Withdrawals and Roth 401(k) vs Roth IRA Rules
Financial planning is part art, part science, part archaeology. Sometimes you’re dusting off IRS rules buried under 20 years of assumptions. Other times, you’re sprinting out of a collapsing temple with a bag of tax-free dollars in your hands.
Estate Planning Basics We Hope You’ll Never Need (But Will Be Glad You Have)
Don’t assume you only need a Last Will & Testament once you’re “old.” Anything can happen at any time. Even a bare-bones plan is better than leaving your family completely unprepared, especially if there are minor beneficiaries in play.
The Peach State Tax Update…(In Case You Missed It)
To say that my wife Amanda loves the musical Hamilton would be an understatement. I remember how excited she was when we went to see it live at the Fabulous Fox Theatre six years ago. My favorite part, aside from seeing how enraptured Amanda was throughout the entire performance, was the first song of the second act, Thomas Jefferson’s, “What’d I Miss.”
Consistency vs. Chasing Returns: A Study on Investment Performance
The fear of missing out (FOMO) is the anxiety a person feels when missing out on opportunities they perceive that others are experiencing. Whether it involves trying to get tickets to Taylor Swift: The Eras Tour or keeping up with the latest trends posted on social media outlets (think Facebook, Instagram and Twitter) most of […]
Filing Early for Social Security Benefits: Avoid This Misstep in Your Retirement Planning
Saving Grace, The Early Filing Bear Trap As Capital Investment Advisor’s resident Social Security specialist, I spend a fair amount of time helping people with their benefits filing strategy. Many times, in that process, I discover that would-be retirees are not aware of how filing early could have a negative impact on their monthly Social […]
Know When to Hold‘em or Fold Your Investment Strategy
The movie, “Rounders”, (1998) starring Matt Damon, Ed Norton and John Malkovich widely popularized the poker game known as “No-Limit Hold‘em”. In the culminating scene law school student Mike McDermott (Damon) defeats Russian mobster Teddy KGB (Malkovich) by going “all-in” on a $60,000 pot. He settles his and Worm’s (Norton) debts, drops out of law […]
Market Crisis or Opportunity? Finding the Silver Lining
Typically, the stock market dominates headlines while the bond market receives little attention, but that is not the case in 2022. The S&P 500 Index (S&P 500) crossed into “Bear Market” territory in mid-June. After a short-lived bounce through mid-August, it has swiftly come back down to the mid-June level closing at 3,693 this past […]
Fighting Market Volatility with the Dry Powder Principle
With the Dow, S&P 500 and Nasdaq all flirting with “correction territory”, it’s no wonder investors are on edge. I mean, what is there to worry about other than the next COVID variant and the geopolitical uncertainty between the United States, China and Russia? Oh, and did I mention that the 2nd year of the […]
