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When it comes to financial planning, most investors are familiar with asset allocation—the process of spreading investments across stocks, bonds, and other asset classes to manage risk. But there’s another, often overlooked strategy that can make a huge difference in your after-tax returns: asset location. This strategy is a cornerstone aspect of how Afton Advisors positions client portfolios to pay the least tax possible.
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In the world of investing, we often hear about the latest hot stock, or sector that's making waves in the market. But is this really the best strategy for long-term financial success? Here’s a quick explainer on why investment diversification matters and why you shouldn't just chase the latest market darling.
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Not to be confused with Stephen Hawking’s seminal work “A Brief History of Time”, here you will find a short primer on the beloved workplace retirement savings plan, the 401(k). If you were born after 1980, you would think that these employer plans have been around forever, but in reality, the plan is a relatively new workplace perk.
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There are distinct differences between professionals based on their formal business structure and credentials that determine how clients are served, what services a financial professional can offer, and how they are paid. Understanding these distinctions is helpful in determining the qualifications of a financial professional and the types of services they offer.
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Health Savings Accounts also referred to as HSAs, can be a powerful financial tool in your pursuit to maximize your dollars and build wealth. Here are seven good reasons to open a Health Savings Account and use it as part of your overall wealth-building strategy.
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We’re fielding questions about Employee Stock Purchase Plans (ESPP) more and more it seems. More often than not, these offerings are made available by mid-size to large, well established, publicly traded companies as an additional incentive for long-term savings in the form of stock ownership.
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Classic investments, like stocks, are not the only investments taxed by capital gains. Capital gains taxes can apply to any other property that acquires value over time. Buying and selling things like real estate, collectibles, precious metals, etc. can all generate capital gains. We’re reviewing how capital gains taxes are determined and how they affect other areas of your financial plan come tax time.
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Paying off a primary mortgage is important, which is why so many people give it priority over other financial goals. However, this might not always be the best method to grow your wealth. A mortgage can definitely hinder your ability to save, but there are some situations where saving and investing should come first.
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