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August 17, 2016 in Advisor Role, Expenses, Fiduciary, Investing, Summer Refresher Series by
In some respects, we wish this piece weren’t worth re-posting. We’d prefer it if today’s investors no longer needed to be on the look-out for the opaque fees and conflicts of interest described. Unfortunately, with only a few minor updates, the information is still as relevant today as it’s ever been. So even if you’ve read this before, we recommend revisiting this important message again. For extra credit, you may also...

August 9, 2016 in Estate Planning, Investing, Summer Refresher Series, Tax Management by
One favorite guest re-post deserves another. This next one originally arrived just in time for Halloween. Authored by Larry Annello (shortly before our two firms merged into SAGEbroadview), the witching season went well with the theme of the then-new, potential 3.8% Medicare surtax on portions of an investor’s income. At least for the foreseeable future, the Medicare surtax remains alive and well. Fail to plan for it in any given tax...

August 2, 2016 in Company Stock Plans, Corporate Executives, Financial Life Planning, Restricted Stock, Stock Options, Summer Refresher Series by
This post may be one of Sheri’s favorites because it represents one of her own earliest financial challenges as well as the inspiration behind her current career. In an earlier career, Sheri was employed by General Electric for 15 years in a variety of roles. As she accumulated company stock options and other executive benefits, she realized how hard it was to find good advice on how to make the best...

July 27, 2016 in IRA, Retirement Planning, Summer Refresher Series, Young Adult Series by
Let us count the ways that we still love this post about the benefits of youthful investing in a Roth IRA. First, there are few investment lessons more powerful than the importance of starting to save and invest when you’re young, with time, compound returns and tax sheltering opportunities on your side. Second, it’s been heartening to see how far guest author Chris Annello and Sheri’s niece Jessica (who inspired the...

July 19, 2016 in College Planning, Family Money, Summer Refresher Series, Young Adult Series by
In early June, several of us at SAGEbroadview shared our recent adventures in the college admissions process. In particular, Sheri described some of the college admission challenges  that she, her husband and her youngest son Devon encountered as they sought a good fit for his higher education ambitions. It would be comforting to say that it will be easier for Sheri this time, since Devon is their second son to head...

June 29, 2016 in Summer Refresher Series by
If you have been following our SAGEbroadview blog for a while, you probably already know that we have long endorsed taking time away from work now and then to enjoy friends, family and a bit of free time. Here is one of our most recent posts about how to Appreciate the Wealth of Your Life. To put our values into action, we like to take a break each summer from our...

June 22, 2016 in Articles, Dimensional, Evidence-Based Investing, Investing by
The MSCI Emerging Markets Index has been negative in 13 of the past 28 calendar years while the S&P 500 Index has only been negative 5 of the past 28 years. Which index had a higher rate of return in this 28 year time period? If you’re catching on to the tricky questions we’ve been posing in our last post and the one before that you might guess that, despite the considerably higher...

June 15, 2016 in Articles, Dimensional, Evidence-Based Investing, Investing by
In our last post, we shared the first in a trio of videos illustrating the important insights we can draw from Dimensional Fund Advisors’ Matrix Book of historical returns. When viewed close up, the data points found in the Matrix Book may look like just an endless array of random numbers. But just as random dots of paint can generate a bigger picture when viewed from a distance, so can individual...

June 7, 2016 in Articles, Dimensional, Evidence-Based Investing, Investing by
Client Site | Issue Briefs JUNE 01, 2016 Index Reconstitution: The Price of Tracking Index funds may be a good option for investors seeking investments with low fees. However, an index fund manager’s strict adherence to an index comes at a cost in the form of reduced discretion around trading. Read More: OPEN PDF  ...