Capital Ideas

Plotting your financial course in 2023

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...

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Third Quarter 2022 Client Letter

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...

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Three letters that make a big difference

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...

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Mutual Funds vs ETFs

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...

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Tax-Loss Harvesting

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...

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Second Quarter 2022 Client Letter

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...

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Not all financial advice is created equal

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...

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