Capital Ideas

Fourth Quarter 2020 Letter to Clients

Fourth Quarter 2020 Letter to Clients

Our client letter this past April was published just as the world was coming to grips with the stark realities of the Covid-19 pandemic. Shelter-in-place orders had just been issued for all of the world’s major population centers. Sports leagues suddenly cancelled...

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Social Security Considerations

Social Security Considerations

One of the many decisions you will be faced with as you approach retirement age is when is the right time to claim Social Security benefits. There are many factors to sort through to make the right decision for you. Will it still be there when I’m ready to claim...

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Third Quarter 2020 Letter to Clients

Third Quarter 2020 Letter to Clients

If you want to see (perhaps even enjoy) an exercise in futility, run a search in Google on this phrase: 2019 predictions about the stock market in 2020 As you’ll find, the search returns dozens of articles containing hundreds of predictions from market pundits about...

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Confused about Medicare? Let’s Break it Down.

Confused about Medicare? Let’s Break it Down.

As you near retirement age, you’ll likely start to notice all of the advertisements, articles and discussions about Medicare that are out there. It can sound a lot like alphabet soup – Parts A, B, C, D, supplement, etc. And you’re probably asking: Which parts do I...

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Second Quarter 2020 Letter to Clients

Second Quarter 2020 Letter to Clients

Vanguard founder John Bogle once famously advised investors on how to handle stock downturns: “Don’t just do something,” he said. “Stand there!” It is a wry and wise way of turning the conventional wisdom about what to do in bear markets on its head. When panic grips...

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Why Your College Refund Check May Be Taxable

Why Your College Refund Check May Be Taxable

Michael Bork, CFP® | Associate Advisor Amidst the widespread impacts of COVID-19, the mass closure of colleges, universities and private secondary schools may create some unexpected tax consequences for students and their parents after receiving partial refunds for...

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First Quarter 2020 Letter to Clients

First Quarter 2020 Letter to Clients

How fast the world can change. On February 12, the Dow Jones Industrial Average closed at an all-time high of 29,551. At that time, the economy was humming, corporate earnings were rising and unemployment was at lows last seen during the mid-1950s. While global health...

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