

Christopher Lloyd, CFP
- Jan 18, 2021
Roth Conversion Strategies: 3 Things to Know
With the 2020 elections wrapping up, investors are now faced with the financial planning implications of an entirely blue federal government. In other words, what are the chances the Tax Cuts and Jobs Act (TCJA) of 2017 is entirely or partially undone and investors are faced with tax hikes in 2021 or 2022? We feel it is prudent to begin the planning process quickly once the prospects of higher taxes are on the table. While the TCJA of 2017 was forward-looking (i.e. new tax la


Robert Lloyd, CFA
- Jan 5, 2021
Hello Titanic; Meet Iceberg
The current market narrative is dominated by three distinct positive themes: 1. Federal Reserve (“Fed”) Stimulus of $120 billion/month 2. Fiscal stimulus of $900 billion delivered in December 2020 3. Rapid vaccination of the population and a return to normal spending These strong narratives are contributing to a huge bull market in US stocks. However, the looming problem we see ahead for the economy and markets are skyrocketing mortgage delinquencies. Hello, Titanic, meet you