Wealth Management

JULY 18, 2025

Resonant Capital Merges with Tax, Accounting Firm QBCo $2.2B The Los Angeles-based firm has ramped up investments in sports, including taking stakes in the Miami Dolphins National Football League team, Inter Miami CF and Chelsea football club, and closed its first fund dedicated to the strategy in 2022 with $3.7

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Media Estate Planning Wealth Management Planning 162

Your Richest Life

JANUARY 27, 2025

Transaction fees, management fees, and capital gains taxes can eat into your returns. For example, research from S&P Global found that over the 20-year period ending in 2022, only about 4.1% The markets are fickle, and prone to quick swings based on even seemingly minor events. of professionally managed portfolios in the U.S.

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Financial Symmetry

JUNE 24, 2025

There’s also recency bias at play: The market downturns of 2022 and the COVID-19 shock in 2020 linger in memory, making us forget the equally compelling history of market recoveries and long-term growth. 15:10] Optimize cash flow through strategic sales while considering tax efficiency. [19:50] Cash is Comforting, but at What Cost?

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Certification Portfolio Planning Retirement 62

Financial Symmetry

MARCH 31, 2025

Source: [link] As you can see, 66% of voters in 2022 fall in that category and would likely have a major influence on electing officials who support measures to fully fund Social Security. Many of the solutions offered back then are also applicable to todays projected funding shortage. especially for voters nearing or in retirement.

Retirement 62

Retirement Taxes Financial Planning Economics 62

Random Roger's Retirement Planning

NOVEMBER 4, 2024

You can see on the backtest, RPAR fairing worse than VBAIX by almost 600 basis points in 2022 and then didn't really come back the way VBAIX did. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Risk parity is a good example of a great story.

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Zoe Financial

APRIL 7, 2025

Tariffs impact: Proposed increases could raise the effective tax rate on U.S. I ntra-year drop: Markets are down ~1819% this year high, but still within historical norms: 2022: 25% 2020 (COVID): 34% 2008 (financial crisis): 49% Volatility spike: VIX rose above 45 one of the highest on record. imports from 2.3%

Marketing 81

Marketing Marketing Risk Tolerance Taxes 81

WiserAdvisor

JULY 7, 2025

There are several types of IRAs, such as Traditional, Roth, Simplified Employee Pension (SEP), and Savings Incentive Match Plan for Employees (SIMPLE). However, when it comes to taxes, the two main ones you need to know about are Traditional and Roth. The rules around withdrawals and tax treatment are very different for each.

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Planning Retirement Taxes Distribution 40

Carson Wealth

MAY 7, 2025

The Growing Role of Philanthropy in Wealth Planning People today are more interested than ever in finding ways to align their long-term financial goals and their personal values. There are overall limits on charitable donation tax deductions, however. Values are among the most important things parents can pass on to their children.

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Random Roger's Retirement Planning

MARCH 5, 2025

In 2022, it was up 104 basis points (total return). but it was low in 2022 when it mattered. In 2022, when managed futures was having its heyday, there were all of a sudden a lot of calls about putting 20% or more in managed futures. The results were fascinating. We pounded the table here why that was probably a bad idea.

Portfolio 72

Portfolio Assets Management Government 72

Random Roger's Retirement Planning

JUNE 2, 2025

The Invenomic Fund (BIVIX) that we've looked at a few times is seriously skewed by two phenomenal years in 2021 and 2022 when it was up 61% and then 50%. If I had gotten a real answer I would have asked the same for 2022. In 2022, UPAR was down 30%. I asked three different AIs why it did so well in 2021.

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Random Roger's Retirement Planning

JANUARY 5, 2025

Yes the dividend funds did better than SPY in 2022 but not 2020 and in the financial crisis, I believe DVY was the only one that was around and being heaviest in financials, it did very badly. Long terms gains get better tax treatment everything else being equal. Long terms gains get better tax treatment everything else being equal.

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Taxes Transportation Portfolio Accounting 52

Harness Wealth

APRIL 15, 2025

Data from the Federal Reserves 2022 Survey of Consumer Finances (SCF) (released in late 2023) offers the most recent comprehensive snapshot of American household wealth. Find Your Wealth Advisor at Harness How Net Worth Is Changing in America From 2016 to 2022, the median U.S. Whats on the Average American Balance Sheet?

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Wealth Advisor Taxes Assets Retirement 52

The Big Picture

JULY 1, 2025

What were the original career plans? So I arrived at Wellesley with the plan to do pre-med. Here is the plan, here’s how you should go about in this deal or in, in this new asset class. 00:36:59 [Speaker Changed] So, so I mentioned the 10 years, about four and a half percent today, go back before 2022.

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Random Roger's Retirement Planning

JULY 2, 2025

If the idea is a smoother ride with 75/50 then we should be trying avoiding being overly vulnerable one one alternative hitting the skids in a year like 2022. has price inflation compounding at 4.31% but the TIP ETF has negatively compounded by a few basis points because it got crushed in 2022. Note that 2021 was a partial year.

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Random Roger's Retirement Planning

NOVEMBER 28, 2024

All three were better than VBAIX in 2022 by 150-550 basis points. Somehow, it did worse than the S&P 500 by several hundred basis points in 2022. Based on the chart, I'm guessing that SPD was positioned in such a way as to miss the bounce that started in late 2022. The results are not skewed by one year.

Asset Allocation 52

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Random Roger's Retirement Planning

FEBRUARY 20, 2025

QAISX outperformed VBAIX by a good bit in every year except 2022. Generically, if a fund creates the effect of an entire portfolio with just a 50% allocation, then of course it would go down more in nominal terms in a year like 2022 (expectations). The fund is the same age as BLNDX.

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Random Roger's Retirement Planning

MAY 4, 2025

By now you've heard that Warren Buffett plans to step down at the end of the year. The purple line went through a nasty drop in 2022. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. The best performer has had several nasty declines.

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Random Roger's Retirement Planning

MARCH 12, 2025

The max drawdowns of the backtested portfolios bottomed out in late 2022 as follows To the extent quadrant style might intersect with all-weather, you can decide for yourself whether any of them were all weather enough. There's no wrong conclusion to draw, do you think they are all-weather enough?

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Portfolio Taxes Numbers Assets 59

Random Roger's Retirement Planning

MARCH 15, 2025

The example assumes no sort of serious medical or family calamity that altered your financial plan, life happens that way sometimes. There were a couple of instances of outperformance in the period studied including 2022 when it was up 46 basis points and it is slightly ahead this year too. Here's the thing, it lags almost every year.

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Random Roger's Retirement Planning

JULY 4, 2025

The levered portfolio did slightly worse in 2022 but not catastrophically worse despite UPRO falling 56% and TYD falling 43%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. BTAL and the Merger Fund are client and personal holdings.

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Random Roger's Retirement Planning

JUNE 25, 2025

The outperformance isn't solely because of 2022, VOO/BALT outperformed in partial year, 2021, 2023 and 2024. That big drop in SHRIX in late 2022 was from the threat of Hurricane Ian but it turned out there was no triggering event from that one. Using BALT instead of AGG has given a higher compounded return with less volatility.

Taxes 64

Taxes Portfolio Investments Investing 64

Random Roger's Retirement Planning

FEBRUARY 8, 2025

Consumer discretionary is another one that pretty reliably outperforms for ten year periods, not the last couple though after getting whacked pretty hard in 2022 though. As you might expect, staples went down much less in the Financial Crisis as well as in 2022. Tech is a very good bet to regularly outperform the S&P 500.

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Assets Engineering Food Communication 52

Random Roger's Retirement Planning

FEBRUARY 12, 2025

Portfolio 4 has middling stats compared to the others but in 2022 it was only down 8.23% versus 20% for Portfolio 1, 17% for Portfolio 2 and Portfolio 3 was down 22%. Also PSLDX is capable of some huge drawdowns, dropping 43% in 2022 and 33% in 2008. It also fell 37% in the 2020 Pandemic Crash but it took that back in just four months.

Portfolio 52

Portfolio Retail Assets Clients 52

Random Roger's Retirement Planning

MARCH 2, 2025

Generically, dividends are not tax efficient. They are taxed at ordinary income. SCHD has historically paid "qualified" dividends which are taxed more favorably as capital gains but this is something to continuously track. Derivative income funds that track indexes might be taxed 60/40, you have to check.

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Random Roger's Retirement Planning

MAY 15, 2025

We talked at length in 2022 and into 2023 when managed futures was booming and people were coming out of the woodwork to suggest huge weightings to managed futures which I said was a bad idea back then and is a bad idea right now in terms of constructing a portfolio. In that light, 20% or 25% makes no sense to me.

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Management Accounting Clients Taxes 64

Random Roger's Retirement Planning

JANUARY 26, 2025

Isolating the returns of the diversifiers in 2022, but taking out OSOL and AMPD because they weren't around the whole year, you can see that only Bitcoin had a rough time, several were flat (which is good for a year like 2022) and several were up a lot.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

We spend a lot of time here on how to diversify to try to smooth out the ride and how to hold up better when markets have a year like 2022 or 2008. Early on, the MCW and Quality versions outperformed VBAIX slightly, probably just due to having a little more equity exposure and all three of them significantly outperformed in 2022.

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Random Roger's Retirement Planning

NOVEMBER 9, 2024

Investors of course love dividends but share buybacks and debt reduction are more tax efficient than dividends which are taxed at ordinary income rates. In addition to what is shown above, in 2022 SYLD only dropped 6.12%. LBAY was up 22% in 2022 and I'm not sure if that is repeatable. versus 4.5% Now as a diversifier.

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Investments Investing Taxes Portfolio 52

Random Roger's Retirement Planning

MAY 22, 2025

The 2022 tech selloff and subsequent recovery periods would have hit XLK particularly hard due to this concentration. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. There was a little more but the above gives you the general idea.

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Taxes Numbers Marketing Marketing 59

Random Roger's Retirement Planning

MAY 28, 2025

Portfolio 1 was way ahead in 2022, way behind in 2023 and 2024 but it was up nicely those years and this year it is way ahead. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. In 2021 it lagged the index by 12%.

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Portfolio Taxes Numbers Investments 59

Random Roger's Retirement Planning

MAY 14, 2025

We have a couple of different articles about private assets being available or otherwise worked into 401k plans. First is 401k provider Empower starting to rollout private equity, credit and real estate into plans they offer, ranging from 5-20% allocations. trillion market for 401(k)-type retirement plans as crucial to this growth. "

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Random Roger's Retirement Planning

MAY 3, 2025

2022 gives a good test for stagflation as Slok sees it because rates went up and stocks went down. In 2022, that blend was down 89 basis points so some drag (PRPFX did worse than BLNDX that year) but not problematic. The Permanent Portfolio allocates 25% each to stocks, gold, long bonds and cash.

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Portfolio Management Taxes Investments 59

Random Roger's Retirement Planning

JULY 1, 2025

Obviously all four were much better in 2022 but not this year at the April lows. The max drawdown numbers all hit in August, 2022. MBB's max drawdown by itself came a little later in 2022 down 16.91%, the AGG max drawdown that year was 17.38% and iShares 10-20 Year Treasury ETF (TLH) bottomed out down 32%.

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Random Roger's Retirement Planning

MAY 20, 2025

Both exchange portfolios held up much better in 2022. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. There are some interesting numbers in the Claude basket related to volatility and Sharpe Ratio. I'm not saying AI's role is nothing.

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Random Roger's Retirement Planning

NOVEMBER 18, 2024

The three alts looked nothing like VBAIX in 2022 which was a good thing and they look nothing like VBAIX in the other years which is the challenge of having huge allocations to negatively correlated alts and why I talk all the time about small exposures to diversifiers. In 2022, the red bar was down 54 basis points.

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Taxes Investments Marketing Marketing 52

Random Roger's Retirement Planning

NOVEMBER 21, 2024

It did decline about 5% in the 2020 Pandemic Crash and in 2022 it was up 1.36%. I put together the following that just looks at 2022, when investors needed the uncorrelated streams; There are 15 different return streams there in addition to VOO and VBAIX. The USAF backtest and RAAX don't really look too similar to me.

Asset Allocation 52

Asset Allocation Management Portfolio Taxes 52

Random Roger's Retirement Planning

JANUARY 23, 2025

There will obviously be future bear markets and the extent to which they cause real damage to a financial plan depends on whether any steps are taken to mitigate the full brunt of a decline that. The 5% weighting to managed futures helped by 167 basis points in 2022. It's very simple.

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Management Portfolio Financial Planning Taxes 52