Keeping you informed and equipped for the financial road ahead
We want to help you grow as a knowledgeable and confident investor. So we’ll strive to keep you well informed of the news and noteworthy events that may affect your financial plan. You’ll also find informative newsletters, tools and other planning assets that can help you make wise and informed decisions.
Market Commentary
Confluence Investment Management offers a range of asset allocation products managed through a “top-down” macroeconomic approach. They share the latest asset allocation insights on a bi-weekly basis, with updates published every other Monday.
Patrick Fearon-Hernandez, CFA, and Thomas Walsh of Confluence Investment Management publish a daily commentary offering their views on current events, based on sources and data they believe to be accurate and reliable.
These reports are prepared by Confluence Investment Management and reflect authors’ current views on developments in the geopolitical arena.
Weekly Geopolitical Report (Confluence)
The Key Financial Data reference card provides quick, at-a-glance access to the latest figures affecting taxes, health savings accounts, Medicare, retirement planning, college funding and more.
Your Path to a Dream Retirement
In 3 Simple Steps:
Client-Driven Conversations: We listen to your vision and goals for retirement.
Strategic Planning: Experienced advisors craft a personalized plan to achieve them.
Disciplined Process: We guide you through each step with clarity and focus.
Benefits:
Clear View of Your Assets: Understand your financial landscape and its potential.
Retirement Filled with Joy: Spend your golden years with family, hobbies, and new adventures.
Achieve Your Dreams: Our disciplined process helps you reach your desired retirement lifestyle.
Partner with us today:
Start your journey towards a fulfilling retirement. Contact Olde Raleigh Financial Group for a personalized consultation.
How to be Tax Efficient with Your Investments
Reduce your tax burden and maximize your returns:
Know your tax flavors:
Taxable: Pay taxes on gains annually (CDs, money market funds)
Tax-deferred: Delay taxes until withdrawal (401(k)s, IRAs)
Tax-exempt: No federal or state income taxes (municipal bonds)
Match investments to accounts:
Tax-deferred accounts: Prioritize taxable investments here to minimize long-term tax impact.
Avoid common pitfalls:
Don't place tax-advantaged investments in IRAs, as any tax benefits are lost upon withdrawal.
Remember:
Consider your tax bracket and capital gains rules for optimized strategy.
Maximize investment income while minimizing total taxes owed.
Let's discuss your personal tax-efficient investment strategy. Contact us today!
Don't Let Taxes Trap You in Retirement
Protect your nest egg with proactive tax planning:
Myth: No more planning needed after retirement.
Reality: Hidden tax traps await the unprepared.
Example: Want $75,000/year? You might need to withdraw $90,000 pre-tax!
Inflation impact: $90,000 today needs $140,217 in 15 years just to maintain its value!
Don't wait! Secure your future. Get a personalized tax plan for a worry-free retirement.
Inflation: The Silent Killer of Retirement Savings
Protect your golden years with smart planning:
Inflation is a hidden threat: Like high blood pressure, it erodes your purchasing power without obvious warning.
Every retirement dollar needs to beat inflation: Otherwise, your savings lose value over time.
Example: Aiming for $90,000/year now? With 3% inflation, you'll need $140,217 in 15 years to maintain the same buying power!
Don't let inflation steal your retirement dreams! Contact us today for a personalized plan to combat inflation and secure your future.
Protect Yourself from Hackers: Secure Your Financial Accounts
Key Steps:
Strong Passwords: Use unique, complex passwords for all accounts. Mix upper/lower case, numbers, and symbols.
Avoid Password Reuse: Don't use the same password for multiple accounts.
Monitor Statements: Regularly review credit card statements for unauthorized activity.
Activate Alerts: Enable card usage alerts to catch suspicious activity quickly.
Credit Report Monitoring: Check your credit report regularly for signs of identity theft. Use all three major agencies: Equifax, Experian, TransUnion.
Stay Safe Online:
Be cautious with links and emails: Don't click suspicious links or open attachments from unknown senders.
Use multi-factor authentication: Add an extra layer of security to your accounts with two-step verification.
Update software regularly: Keep your devices and software updated with the latest security patches.
Concerned about your online security? Contact us for personalized advice on safeguarding your financial information.
Avoid Costly Mistakes: Rolling Over Your Retirement Plan
Leaving your job? Protect your savings:
Know the rules: Wrong moves can lead to tax and penalty headaches.
2 Safe Options:
Direct Rollover: Transfer funds directly between plans, tax-deferred.
Indirect Rollover (60-day rule): Receive a check, deposit it into a Rollover IRA within 60 days.
Beware the Indirect Rollover Trap:
20% Tax Withholding: You'll only receive 80% of your funds initially.
60-Day Deadline: Deposit the full amount (including withheld taxes) into a Rollover IRA within 60 days.
Missing the Deadline: Undeposited funds are taxed as income + potential 10% penalty.
Protect your retirement nest egg. Contact us today for expert guidance on rollovers.