Capital Ideas
Plotting your financial course in 2023
The holidays are just a few short weeks away, but it's never too early to start thinking about your financial goals for the new year. Here are a few things to consider as we wrap up 2022 and look ahead to 2023. Do you have any new goals for the year ahead? Where do...
Third Quarter 2022 Client Letter
“This time it’s different.” One of the great ironies of being wealth managers is that we hear this exact same phrase in every single bear market. It’s the phrase investors use to rationalize why they are bailing out of stocks. To be sure, there are unique aspects to...
Helping women take control of their financial journey
As Capital Directions' first female CERTIFIED FINANCIAL PLANNER™, Miriam Falaki brings a wide range of experience to our firm as a Wealth Advisor — ensuring that our clients receive the very best financial guidance and planning. Miriam is particularly focused on...
The most important ingredient in the financial planning recipe
Great chefs know that one key ingredient can make the difference between a good dish and an extraordinary dish. Maybe it's sourced from a very specific region, or it's a secret addition at the last minute that elevates all the flavors perfectly. They simply couldn't...
Three letters that make a big difference
You may have noticed the letters "CFP" after some of our names on the website — and those three little letters make one big difference in the way we approach our work and how we serve our clients. CFP® stands for the CERTIFIED FINANCIAL PLANNER™ certification, known...
Most firms have a guiding principle. We added 29.
Our 30 core fundamentals at Capital Directions form the foundation for our unique culture. We call it "The CD Way" — and around here, it's a pretty big deal. We're not just checking boxes or making a laundry list of feel-good buzzwords. Simply put, The CD Way guides...
Mutual Funds vs ETFs
Exchanged Traded Funds (ETFs) were first introduced in the early ’90s with the introduction of the SPDR S&P 500 Trust (ticker SPY) by State Street Global Advisors. Over the last 30+ years, ETFs have experienced widespread adoption with investors and rapid growth...
Tax-Loss Harvesting
The basics, the benefits and what investors should consider Tax-loss harvesting (TLH) has become an increasingly useful tax management tool for investors. However, a wide variety of factors can have a significant impact on the otherwise straightforward benefits of a...
Second Quarter 2022 Client Letter
Rising inflation and growing recession fears delivered a one-two punch to the global capital markets in Second Quarter 2022. The Dow Jones Industrial Average fell 10.78%, while the broader S&P 500 index declined 16.10%. Small stocks, as measured by the Russell...
Not all financial advice is created equal
At Capital Directions, our core belief is that there's a better way to invest — one that puts our clients first. That means prioritizing their interests, helping them achieve their goals and ensuring they stay on the path to a more secure financial future. But what...
Following the road map to true financial peace of mind
When it comes to financial planning and managing your wealth, you'll no doubt start with a goal in mind — a destination you're aiming for, whether it's a few years or a few decades away. Your financial journey will include milestones along the way, but there will be...
Finding a path forward to retirement in uncertain times
Our Waypoint Series continues with a closer look at retirement planning. Whether you're just beginning to make a plan or you're only a few years away from your goal, we've all experienced many of the same challenges recently — from the pandemic itself to all the...