Menu

Entries for 2014

How to Choose a Tax Preparer

 December 3 2014
The tax code is quite a complex beast. Trying to stay on top of ongoing changes to the tax code is extremely challenging and not too appealing for most. As a result, many people opt to visit a professional tax preparer when tax season is upon them. For those who are choosing this avenue for the first time, here are some tips that should help with the search for a qualified professional. Chain Ser...

Do You Have a Job-Loss Safety Net?

 December 2 2014
“What are the chances that I'll lose my job?” Unless you're a retiree, a tenured college professor, or the owner of a business, that question has probably passed through your mind at least a few times over the recent years. Even if you're confident about the security of your current position, it never hurts to put in place a good safety net. Some of the primary steps are outlined below...

Investor Letter from HORAN Capital Advisors - Winter 2014

 December 1 2014
An important component of investment counseling is to regularly meet with clients to frame expectations based on the investment outlook. Client expectations can vary widely based on historical experiences, media buzz and general life experiences and viewpoints. We believe it is our responsibility to identify and communicate historical market perspective, the future drivers of market returns and...

A Republican Congress Awaits – But First the Lame Duck Session

 November 1 2014
Destiny became reality in the midterm elections as the Republicans gained a majority of the Senate and widened their lead in the House to historic proportions. The Republicans now must decide the mix of confrontation and collaboration that will define their leadership. Due to variations in beliefs and campaigning strategies, the rank-and-file members of the two chambers might see this ideal mix di...

Get a Tax-Smart Plan for In-Retirement Withdrawals

 October 4 2014
The following sequence may make sense for retirees to preserve the tax-saving benefits of tax-sheltered investments for as long as possible.   1) For retirees over age 70 1/2, the first stop for withdrawals are those accounts that carry required minimum distributions, or RMDs, such as Traditional IRAs and company retirement plans such as 401(k)s (to avoid paying penalties).   2) For ...

Risk Free Portfolio, too Risky?

 October 3 2014
The market turmoil of 2008 has caused panicked investors to flee to safety, from stocks and mutual funds to risk-free investments like Treasuries and savings accounts. However, a risk-free portfolio might carry a high price. With their low returns and limited growth potential, some fixed-income investments may leave investors with little return after inflation. Further, by dumping stocks and inves...

Concerned About Longevity? Three Mistakes to Avoid

 October 2 2014
Longevity is often cheered as an achievement, but the downside of living well beyond one's average life expectancy is that it can strain (or worse, completely deplete) an individual's financial resources. The first step in addressing longevity risk is to evaluate just how great the odds are that either you or your spouse will have a much longer-than-average life span. Health considerations, family...

The Rising Cost of Not Going to College

 October 1 2014
A recent study from the Pew Research Center found that on virtually every measure of economic well-being and career attainment, from personal earnings to job satisfaction, young college graduates are outperforming their peers with less education. Moreover, the findings show that when today’s young adults are compared with previous generations, the disparity in economic outcomes between colle...

Investor Letter from HORAN Capital Advisors - Fall 2014

 October 1 2014
The sailing analogy noted in our opening quote seems appropriate as we write about the third quarter and provide perspective on the balance of 2014. A sailing fact: in order to make progress into the wind, one must tack back and forth into the face of the wind. This headwind of sorts enables a sailboat to make progress “up wind.” As in sailing, a certainty for investors is there wil...

Individual Health and Medicare News - Fall 2014

 September 22 2014
Fall 2014 is a time of historical change. During the next few weeks, the first Open Enrollment for Individual Health Insurance plans with the Affordable Care Act coincides with the Annual Election Period (AEP).  You probably have received several mailings about plans and products from numerous carriers. We are here to ensure you know which Individual Health and/or Medicare plan best fits you...
Page 1 of 3First   Previous   [1]  2  3  Next   Last