Alan’s Financial Tips – Is There a Bond Bubble..

With interest rates for bonds so low and bond prices so high many fixed income experts think that we are in a bond bubble. Some bonds such as the Germany‚Äôs 10 year bond are selling at a negative interest rate. A COMMON MYTH IS THAT BOND INVESTMENTS ARE SAFE INVESTMENTS When interest rates decline the price and principal of the …

Alan’s Financial Tips – Tax Control

How your investments are diversified from a tax perspective will impact your ability to leverage your withdrawals during retirement. Looking at the Tax Control triangle below, there are four ways your withdrawals will be taxed. Moving clockwise from the bottom right, investments are either Fully Taxed at ordinary income, taxed at your Capital Gains Rate, and Never Taxed. A fourth …

Alan’s Financial Tips – Trusts

Advantages of Trusts What is a trust? A trust is a legal entity that is created for the purpose of transferring property to a trustee for the benefit of a third person (beneficiary). The trustee manages the property for the beneficiary according to the terms specified in the trust document. Why you might consider discussing trusts with your attorney : …