Alpha Insights

Are we Headed for a Recession?

The Impact of a Potential Recession From the naked eye, the financial markets look concerning. The S&P 500 is coming off its worst week since the early days of Covid-19 in 2020 and has officially entered into “bear market” territory, inflation is at a 40-year high, and interest rates are rising fast. Are we headed …

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‘Tis the Season! – Graduation Gift Ideas

Do you have someone in your life who is graduating this spring? The form and function of graduation gifts can be sticky territory. It’s important to consider not only the level of degree being attained but also the personal traits, interests, and ambitions of new grads to ensure your gift will enhance their life. High …

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Endowment Effect – The Tendency to Prefer What We Already Own

Once investors conquer the hurdle of saving versus spending as I discussed in my previous behavioral finance article “Delayed Gratification,” they are then faced with the challenge of overcoming certain biases that can often hinder their long-term success. The behavioral bias I see affecting investment choices most at the beginning of a new client relationship …

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Congratulations Aaron on Earning Your ChFC® Designation!

Please join Crystal and I in congratulating Aaron on earning his Chartered Financial Consultant® (ChFC®) designation.  This designation is well-suited to accompany his CERTIFIED FINANCIAL PLANNER™ (CFP®).  The ChFC® program covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, risk management, estate …

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Is there value in a 0% return?

As many of our retired clients know, there are a number of pieces to the retirement puzzle. For those of you who have gone through our developed and refined process during the last 5-7 years, we have been a big believer in adding a fixed-indexed annuity (FIA) to a retirees’ portfolio as a proxy for …

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Beneficiaries – Per Stirpes or Per Capita?

Did you know the paperwork you complete to name beneficiaries on IRA’s, brokerage accounts, annuities, and life insurance will trump your will or trust wishes?  Surprisingly, many people are unaware of this.  All too often, we see new clients with outdated beneficiary designations – examples include ex-spouses, deceased relatives, etc.  It is extremely important that …

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Delayed Gratification – Why is it so hard to wait for what we want?

In the financial industry, the focus is frequently directed towards technical information – tax rates, stock valuations, price to earnings ratios, alpha, beta, etc. Obviously, these metrics are an integral part of building a well-rounded investment portfolio and financial plan. However, what isn’t discussed as often in the media or in general, is the behavioral …

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What is the Deal with Cryptocurrencies?

Cryptocurrencies have been a hot button topic over the past 12-18 months. We are often asked casually if we believe in crypto as a viable portfolio addition or not. Opinions online and through the media vary widely, but clarifying some crypto facts will hopefully answer some of the questions “floating” around online (just like the …

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State of the Markets – January 25, 2022

Watch the video below from Aaron Simpson, Owner and President

RMD Formula Changes for First Time in 20 Years

Effective January 1, 2022, you can keep more money in your tax-deferred retirement accounts!  The Internal Revenue Service has updated its actuarial tables for the first time since 2002.  What does this mean for you?  More money in your retirement accounts.  At age 72, if you hold tax-deferred retirement accounts such as 401(k), most IRAs …

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Understanding a Fixed Index Annuity

A Fixed Index Annuity (FIA) is an insurance contract that has tax-deferred, long-term savings protecting your principal in a down market while providing an opportunity for growth.   To purchase an FIA, you can make a lump sum deposit, transfer over funds from a retirement plan, or make multiple payments over time.  In most situations, when …

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