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Portfolio Management

What You Should — and Should Not — Do About Market Volatility

Turbulence in the markets and a lot of noise around so-called opportunities can create a heady environment for investing. With so much noise, how can you know what to do? Here we take a closer look at market volatility, and offer some “dos” and “don’ts” for the investor preparing for retirement.Global and national economic factors, tax and other government policy, interest rates, and influences from a variety of industry sectors can all have a say in how the market behaves. And when that behavior is more erratic or fluctuates more than “normal,” it’s referred to as volatility. What is market volatility, Read More

What You Should — and Should Not — Do About Market Volatility2021-02-25T17:01:21-07:00

The Medicare Surtax: What High Income Earners Should Know

Like all taxes, Medicare taxes can be clear as mud. Here, we spell out what every high income earner needs to know about which Medicare-related taxes you may be required to pay. First, here are the basics of the three types of so-called Medicare tax that might affect you: Medicare Contribution Tax There’s a 2.9% Medicare tax applied to wages and net self-employment income. If you are an employee with wage earnings, then you pay 1.45% of that employment tax. Employers pay the other half of the full tax. Net Investment Income Tax There’s a 3.8% net investment income Read More

The Medicare Surtax: What High Income Earners Should Know2021-02-18T14:26:07-07:00

What is Inflation Risk & Does It Threaten Your Portfolio?

We heard a lot about inflation in 2020, partly out of the concern of some in the financial world who predicted inflation might increase sharply following the COVID-19-related government stimulus. But is it really a risk, and how might impact your investments? For many, inflation is a dirty word. For some, it conjures images of long lines of drivers waiting to fill their cars with gas in the 1970s. For others, it spikes fear that the prices of goods and services will increase faster than wages. Why Does Inflation Matter? Inflation has been lower than the Federal Reserve targets Read More

What is Inflation Risk & Does It Threaten Your Portfolio?2021-02-09T12:33:48-07:00

What To Do During An Election Cycle?

A couple of common questions we get during election years are: "What do you think the markets will do if <Candidate X> is voted in?" Or: "How are you positioning the portfolio, because if <Candidate Y> is elected, I’m convinced the economy will struggle?” We’ve even had this occasional request: "Move my portfolio to all cash, because if <Candidate Z> is elected, I don’t want to lose money when the market crashes.” We spent the better part of the years between 2008 and 2016 (when Obama was president) convincing Republicans that it was okay to invest and that the world Read More

What To Do During An Election Cycle?2020-10-22T12:40:10-07:00

Traditional, SEP, and Roth IRA: Benefits & Drawbacks of Each

Roth, SEP, or traditional? When it comes to IRAs (individual retirement accounts), do you have a tough time keeping the differences straight? Don’t worry: You’re not the only one.  The three types of IRAs serve different purposes, and each come with their own set of benefits and potential drawbacks. While all offer the ability of helping you save for retirement, there are fundamental characteristics of each that impact your retirement planning. What’s more, your eligibility to use certain IRAs will be based on your income level and access to employer-sponsored retirement plans.  Here, we’ll provide a high level look Read More

Traditional, SEP, and Roth IRA: Benefits & Drawbacks of Each2020-10-02T17:39:31-07:00

Wealth Manager vs. Financial Advisor: Is There a Difference?

When  you’re looking for the right professional to help you manage your money, you come across quite a few different titles. Because we believe that it’s  important to know what you’re getting when you hire someone to provide guidance on your financial life, we’re here to help you sort out the differences as we see them between two commonly used titles: wealth manager and financial advisor.  It’s important to understand that these terms are subjective and can be used to describe those who serve any variety of functions in the financial planning industries.  First, what defines a financial advisor?  The Read More

Wealth Manager vs. Financial Advisor: Is There a Difference?2020-06-09T17:32:43-07:00

Tips for Tweaking Your Financial Strategy Mid-Year

A financial strategy reboot is recommended from time to time, and right now — with the Coronavirus pandemic throwing everything out of whack — we’ve identified a few smart strategy shifts to help you weather the storm. Here are five things you should consider and discuss with your financial advisor. #1: If you’re in retirement, evaluate cash flow needs for the next 12 to 24 months, and where to source it. In other words, identify specifically which assets in your portfolio would be best to liquidate to provide you with the cash you’ll need. How to know which assets are Read More

Tips for Tweaking Your Financial Strategy Mid-Year2020-06-09T17:32:56-07:00

FDIC vs. SIPC: What You Need to Know Now About Protecting Your Assets

In the midst of the financial tumult caused by the COVID-19 crisis, you’re probably thinking a lot about whether or not your investments and assets are protected. Here’s what you need to know, for both deposit accounts and brokerage accounts. Two Categories of Risk You already know that when you’re placing your money with any financial institution—whether depositing cash in your bank or purchasing investments—there’s inherent risk. It’s important to be able to distinguish between two high-level types of risk. (Of course, there are a number of other types of risk that come with managing your finances and investing, but we’re Read More

FDIC vs. SIPC: What You Need to Know Now About Protecting Your Assets2020-06-09T17:33:40-07:00

Strategic Asset Allocation vs. Tactical Asset Allocation: Know the Difference

What are your investment goals? That’s the most important question to ask as you consider asset allocation approaches. Here we take a close look at two different investment strategies: strategic asset allocation and tactical asset allocation. Understanding Asset Allocation Asset allocation refers to divvying up your investments among different asset classes in a way that balances risk and reward. Exactly what your portfolio mix is—how much you have in each asset class, such as stocks, bonds, cash, and real estate—determines in large part your overall returns. The most important thing to remember? Your asset allocation should always reflect your goals. Read More

Strategic Asset Allocation vs. Tactical Asset Allocation: Know the Difference2020-06-09T17:34:56-07:00

Coronavirus and Recent Stock Market Volatility

“This time is different”:  The past 2 weeks have brought hysteria to global stock markets, concerned over the daily spread of the coronavirus.  The advisors at Ironwood want to provide guidance and leadership during times like these; and to remind our clients the importance of remaining disciplined, by avoiding impulsive investment decisions based upon uncertainty and fear.  During challenging periods investors often operate under the mindset that “this time is different” – which is indeed true. Every stock pullback has been triggered by circumstances which were different than the past, yet the long-term results have remained the same: markets power Read More

Coronavirus and Recent Stock Market Volatility2020-06-09T17:35:17-07:00
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