Part 4

Who Wins the ‘Passive vs. Active’ Institutional Debate? Part 4: US Mid-Small-Cap Blends

In my first three articles, we hit on the broad U.S. Large-Cap arena—Blend, Growth and Value. All three provided some interesting findings on the hugely debated subject matter relative to the institutional investment space. In this article, we’re going to round out the U.S. core equity investing space by analyzing both the Mid-Cap Blend and Small-Cap Blend. Again—keep in mind, I’m using Morningstar Direct as my source of screening, testing and research on return/expense data points. So how does the U.S. Mid-Cap Blend space fare in the debate?

Help Your Clients Avoid Paying Taxes They Don't Really Owe

While the federal government probably doesn’t collect all lawfully owed tax dollars due to its own inability to fully validate every taxpayer’s claimed write-offs, it also collects a lot of tax revenue to which it’s legally/factually not entitled. I know what you’re thinking; how does the IRS actually collect and retain tax revenue that isn’t actually owed? The answer is the IRS really doesn’t know it isn’t entitled to these revenues. And it’s costing your clients money! Now that I have your attention, let me elaborate...

2 Tax-Efficient Savings Strategies for Right Now: Tax Season Lesson, Pt. 2

Because every client’s needs are unique, a canned approach to tax-efficient savings of Roth IRAs, traditional IRAs, 401(k), 403(b), NQ annuities, NQ accounts, etc., is not necessarily the most flexible or tax efficient option for every client. As advisors, we know that the words “tax-free” don’t always mean there’s no tax ever paid, just like the term “pre-tax” doesn’t mean there’s always more tax to be paid later.

Why I Don’t Like Roth IRAs: Tax Season Lesson, Part 1

Tax planning for clients during tax season always generates new strategies and ideas, as unique situations tend to get my analytical wheels turning. From a risk/reward wealth management perspective, I like to look at tax planning with the actual cost to the client in mind, including what is the best cash flow option, because the most tax efficient savings strategy for each person’s situation is the ultimate wealth planning strategy.

Pages