Capital Ideas
Using Flowcharts to Understand Your Current Estate Plan
Estate planning can be complicated and morbid to talk about. As a result, it’s often one of those items that gets put off. But the pandemic has caused many of our clients to ask about their estate plan. An estate plan is a set of legal documents that lay out how to...
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...
Apocalypse or a Hedge: Thoughts on Investing in Gold
Why is it that every time the markets get rocky, people want to buy gold? I dug into this question recently, and here is what I have found. At the end of the day, people’s money worries are usually not just about the money. Money can stand in for protection and...
Another year of increasing Long-Term Care (LTC) Premiums?
Several of our clients purchased long-term care (LTC) policies many years ago. For the clients who needed LTC policies, they’ve been a blessing. Our clients who need LTC get better care sooner if they have these policies in place. It makes sense—the policy is there...
Capital Directions Is Named to the 2020 Financial Times 300 Top Registered Investment Advisors List
Capital Directions is named on the Financial Times’ FT 300 List for 2020. The FT 300 List recognizes the nation’s top independent RIAs. ATLANTA, GEORGIA, USA, July 30, 2020 - Capital Directions is excited to announce its inclusion on the Financial Times’ FT 300 List...
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...
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...
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...
CARES Act and Opportunities for Businesses and Individuals
CARES Act and Opportunities for Clients President Trump signed the Coronavirus Aid, Relief, and Economic Security Act (“CARES”). CARES is a stimulus bill to provide emergency assistance for individuals, families and businesses affected by the Coronavirus pandemic. The...
Impact of the CARES Act on Retirement Plan Sponsors and Participants
Evan Goldfuss, CFP® | Wealth Management Analyst In response to COVID-19, Congress passed and the President has signed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). In addition to direct financial relief for individuals and businesses, the CARES...
Covid-19 Update
The uncertainty surrounding the spread of the coronavirus known as COVID-19 is unsettling, both on a human level and an investment level. The uncertainty of the impact of COVID-19 on the global economy led to extreme levels of stock-market volatility this past week,...
Fourth Quarter 2019 Letter to Clients
It was in this letter exactly a year ago that we sought to provide some perspective about the steep decline stocks had just experienced in fourth quarter 2018. Over the course of just a few trading sessions in December, the Dow Jones Industrial Average declined 12%,...