December 13th, 2019

What is Your Capital Gains Tax Rate?

This is a simple-sounding question that can be, in the real world of tax planning, very hard to answer. The simplest calculation is that, in 2020, under the just-released tax tables, single taxpayers will pay 0% capital gains taxes if their adjusted gross income is $40,000 or below, while joint taxpayers will pay 0% below … Continue reading “What is Your Capital Gains Tax Rate?”

December 12th, 2019

Debunking Common Retirement Assumptions

Don’t fall for these misconceptions. Financial generalizations are as old as time. Some have been around for decades, while others have only recently joined their ranks. Let’s examine a few.       Retirement means I can stop investing. In the past, retirement was viewed as an “end” in many ways. These days though, retirement is … Continue reading “Debunking Common Retirement Assumptions”

December 5th, 2019

End-of-the-Year Money Moves

Here are some things you might consider before saying goodbye to 2019. What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want to review your … Continue reading “End-of-the-Year Money Moves”

November 21st, 2019

Measuring the Value of a Financial Advisor

A recent study emphasizes that these relationships can make a significant difference for investors. What is a relationship with a financial advisor worth to an investor? A 2019 study by Vanguard, one of the world’s largest money managers, tries to answer that question. Vanguard’s study concludes that when an investor works with an advisor and … Continue reading “Measuring the Value of a Financial Advisor”

November 18th, 2019

Facts About Medicare Open Enrollment

How much do you know about the different coverage options? Medicare’s open enrollment period runs through December 7. If you are enrolling in Medicare for the first time, you will discover that it is much more complex than an employer-sponsored group health plan. Here at Kendall Capital, we want to make sure our clients are … Continue reading “Facts About Medicare Open Enrollment”

November 15th, 2019

Reducing the Risk of Outliving Your Money

What steps might help you sustain and grow your retirement savings? “What is your greatest retirement fear?” If you ask our clients as Kendall Capital, or any group of retirees and pre-retirees this question, “outliving my money” will likely be one of the top answers. In fact, 51% of investors surveyed for a 2019 AIG … Continue reading “Reducing the Risk of Outliving Your Money”

November 13th, 2019

Cybersecurity and Protecting Yourself

Cybercrime affects both large corporations and private individuals. You’ve likely read about the large data breaches in the business world. These crimes are both expensive and on the rise. The U.S. Identity Theft Resource Center says that these corporate data breaches reached a peak of 1,632 in 2017. The response to the growing need for data … Continue reading “Cybersecurity and Protecting Yourself”

November 4th, 2019

Reap Tax Benefits From Giving with a Qualified Charitable Distribution

Montgomery County residents overall tend to be generous people, with the average person donating between three percent and five percent of his or her income to charitable causes each year. However, changes to federal tax law in 2017 that can make it less advantageous tax-wise to make charitable contributions were one factor that led to … Continue reading “Reap Tax Benefits From Giving with a Qualified Charitable Distribution”

October 22nd, 2019

Avoiding Large Losses in Your Portfolio

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett Risk is a factor in any investment decision that you make. Your tolerance for risk is something that you will want to consider when you make decisions alongside your trusted financial professional at Kendall Capital. Your risk tolerance is balanced against … Continue reading “Avoiding Large Losses in Your Portfolio”

October 18th, 2019

The Sequence of Returns

A look at how variable rates of return do (and do not) impact investors over time. What exactly is the “sequence of returns”? The phrase describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do these deviations … Continue reading “The Sequence of Returns”