Year-End Tax Planning
While tax season is still several months away, year-end will be here before we know it. With that in mind, it’s important to make sure you’re taking advantage of the tax-planning strategies that make sense for your unique situation. Here’s a short list of topics we’ll be discussing with our clients over the next few […]
Revisiting I-Bonds
I-Bonds were a fantastic investment opportunity in 2022 as inflation rates were the highest we had seen in decades. I-Bonds purchased from May 1st through October 31st of 2022 earned a return of 9.62% (annualized) for the first six months. Since then, rates on I-Bonds purchased during that period in 2022 have been much more […]
3 Thoughts for the Recently Graduated Physician Assistant
Congratulations on completing your PA curriculum and good luck as you start your career in the healthcare profession! After years of hard work and sacrifice, you are finally ready to start earning a steady paycheck. Given the significant change in income, it’s important to take the time now to develop smart financial habits. Here are […]
Cash Management In A Declining Interest Rate Environment
Over the last two years, interest rates have risen at a historic clip. As a result, Rockbridge has dedicated moretime helping clients manage cash reserves to take advantage of the current market environment. In previous years, “high yield” savings accounts were (and some still are) paying less than 1%. Now, it is easy to find […]
Estate Planning Awareness Month
October is Estate Planning Awareness Month, which serves as an important reminder for all of us to take time to review our estate plans or create one if we haven’t already. Estate planning is not just for the wealthy or elderly – it’s important for everyone to have a plan in place to protect your […]
NYSaves 529 Direct Plan – Target Enrollment Portfolios
For those saving in the NYSaves 529 Direct Plan, you’ve likely received an email by now announcing the transition from Age-Based Portfolios to Target Enrollment Portfolios happening July 28th, 2023. If you’re currently using a custom allocation from the investment options within the plan, this change will not impact your account. However, if you are […]
Rockbridge Institutional – December 2022 Market Review
2022 in the Rear View Mirror Inflation, the Fed’s response and rising interest rates, a sharp falloff in stock and bond prices, uncertainty of a looming recession and Cryptocurrency implosion were all part of the investment landscape in 2022. Although we don’t know what’s ahead, glad this year is behind us. Inflation and Interest Rates […]
Secure Act 2.0 – Business Owners
Earlier this week we put out a summary of some of the changes that individual investors should be thinking about as a result of Secure Act 2.0 going into law. This article focuses on the changes that we think will be impactful to business owners going forward: 1) Small Business 401(k) Credits: For businesses with […]
Secure Act 2.0 – Individuals
Just before the close of 2022, Congress passed a $1.7 trillion government spending bill. Within that 4,000+ page document was Secure Act 2.0, which introduced ~90 new provisions regarding retirement savings. We’re tracking the details of this bill as additional information becomes available, but here are some of the highlights for individual investors: 1) New […]
Rockbridge Institutional – November 2022 Market Review
MARKET COMMENTARY Stocks After this week’s ups and downs, stocks ended November up nicely – international and emerging market stocks leading the way earning 11% and 15%, respectively. While not as robust, domestic large cap markets were up 6% and small-company markets returned 2%. These results bring the quarter-to-date returns to 14% for domestic markets, […]