By Christopher Aiello | caiello@atlaspwm.com
What would happen if you were mentally or physically unable to take care of yourself or your day-to-day affairs?
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Planning on Call: Interview with Hospital CEO, Mary Ellen Wells
By Tim Hamilton, CFP®, CIMA, CSLP | thamilton@atlaspwm.com
Welcome to ‘Planning on Call,’ a series of podcasts, blog posts, and other content focused on providing medical professionals, and their spouses, the important information they need to know as they plan their future.
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Cybersecurity Awareness with Atlas’ COO
By Kristen Schreer | kschreer@atlaspwm.com
Fraud attempts are a reality for everyone, they are both ever changing and take various forms. Keeping your information secure is a top priority for Atlas.
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Planning for Incapacity
By Christopher Aiello | caiello@atlaspwm.com
What would happen if you were mentally or physically unable to take care of yourself or your day-to-day affairs?
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May You Live in Interesting Times
By John C. Ogle | jcogle@atlaspwm.com
This year has been like no other, and at Atlas we’re preparing for what will no doubt be an interesting few months of political, economic and social give-and-take.
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Fall 2020 Atlas Highlights
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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4 Simple Steps to Start Building a Financial Plan
By Robert Palmer | rpalmer@atlaspwm.com
These first steps are just the foundation of the financial planning process. There are many intricate layers to financial planning such as tax planning implications, investment strategies, life insurance considerations, estate planning and more.
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Life Insurance Awareness… Common Mistakes
By Barry Rings | brings@atlaspwm.com
Wealth Management Advisor, Barry Rings Jr. CFP, shares common misconceptions when considering life insurance
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A market commentary from Atlas’ Chief Investment Officer, John Ogle, as he shares insight on what has been occurring in the markets over the past few months
By John C. Ogle | jcogle@atlaspwm.com
We think that global bank interventions, combined with aggressive fiscal policies have provided a safety net that the markets desired, and then some. We could parse out pieces of these programs, and debate the long-term effects of this level of government intervention in markets, but throughout the Summer… it is evident that investor’s spirits were buoyed.
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Planning on Call: Interview with Dr. Elizabeth Arendt
By Tim Hamilton, CFP®, CIMA, CSLP | thamilton@atlaspwm.com
Welcome to ‘Planning on Call,’ a series of podcasts, blog posts, and other content focused on providing medical professionals, and their spouses, the important information they need to know as they plan their future.
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Introducing ‘Planning on Call’ Blog
By Tim Hamilton, CFP®, CIMA, CSLP | thamilton@atlaspwm.com
Welcome to ‘Planning on Call,’ a series of podcasts, blog posts, and other content focused on providing medical professionals, and their spouses, the important information they need to know as they plan their future.
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A market commentary from Atlas’ Chief Investment Officer, John Ogle, as he shares thoughts on what we witness in the market during an election year
By John C. Ogle | jcogle@atlaspwm.com
It’s important to bear in mind that historically, the markets don’t convey much information about the election other than the immediate three month period before the election. While market participants are watching the direction of current polling data and the possible outcome, markets are currently being much more influenced by factors such as the economic and financial impacts of the Coronavirus
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Understanding Roth Conversions Webinar
On August 18th, 2020, clients and community members had the opportunity to watch our live “Understanding Roth Conversions Webinar.” Recent legislation has significantly changed the landscape of retirement planning. Learn about the potential benefits and impacts to consider from these new provisions in the recording of this webinar, now available for on-demand viewing.
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Q2 in Review – 3 months off the low. What now?
By John C. Ogle | jcogle@atlaspwm.com
The second quarter of 2020 was a historic one by almost any economic metric. But, while we saw the worst economic decline in most of our lives, we also witnessed the current willingness of governments to act quickly to curtail economic decline and the resulting resiliency of the markets.
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Atlas Community Highlights – Summer 2020
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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A New Perspective
By Barry Rings Jr, CFP® | brings@atlaspwm.com
As I have gotten older, I have tried to be diligent about expanding my knowledge by reading books on a variety of topics including nature, finance, psychology, and more. I think there is something to be said for being well versed in a multitude of different areas.
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Webinar | Atlas Advisor Briefing: FAQs
Atlas Wealth Management Advisors Discuss Investment and Financial Planning Considerations During the Coronavirus Pandemic
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A breakdown of the most recent IRS Notice 2020-51 and what it might mean for you… Atlas’ Tax Team weighs in
By Brendan Walsh, David Ralph| bwalsh@atlaspwm.com
The IRS has extended the rollover deadline for RMDs taken from IRAs or company plans in 2020. The IRS has stated that any unwanted 2020 RMDs may be repaid via rollover to the original IRA or company plan by August 31, 2020.
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How the landscape of IRAs has changed prior to and during coronavirus… Atlas’ Director of Financial Planning, weighs in…
By Robert Palmer | rpalmer@atlaspwm.com
As planners, we often navigate with our clients the various outcomes that can arise when making Roth contributions and Roth conversions.
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A message from Atlas’ executive leadership…
By Gregory R. Britton, Toby Potterton, Kristen Schreer | gbritton@atlaspwm.com
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Relief rally and market commentary with Atlas’ CIO… John Ogle, shares insight on the past and current state of the market during COVID-19
By John C. Ogle | jcogle@atlaspwm.com
In April, the Bureau of Labor Force Statistics put the unemployment rate at 14.75%,[3] and it is expected to reach nearly 16% during the third quarter. Questions we have to ask… is the market detached from the economic reality? And what business does the stock market have in rallying, anyway?
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Questions and Commentary with Atlas’ CIO… John Ogle, shares deeper insight on questions raised during the COVID-19 market
By John C. Ogle | jcogle@atlaspwm.com
I’ve used the analogy of hiking across a valley… we know that we’ll be able to get to the other side because we can see it, but what we don’t know is exactly what the terrain will be like between here and there. There might be streams to cross or rough patches to deal with along the trail.
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Student Loan Specialist on Staff!
Timothy Hamilton CFP®, CIMA®, CSLP® | thamilton@atlaspwm.com
We’d like to congratulate Atlas’ Senior Vice President, Tim Hamilton CFP®, CIMA®, CSLP® on earning his Certified Student Loan Professional (CSLP®) designation.
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Beware of Elder Abuse and Financial Fraud
By Toby Potterton, CRPC® | tpotterton@atlaspwm.com
Elder abuse can take several forms, including but not limited to physical, emotional, passive neglect, and increasing in prevalence is financial exploit.
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ESG and Socially Responsible Investing
By John C. Ogle | jcogle@atlaspwm.com
ESG (Environmental, Social and Governance) and SRI (Socially responsible investing) are themes that are becoming more prevalent in the investing world. As a firm, we at Atlas recognize this, and have developed a considered approach to the issue.
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The markets: An exercise of patience makes good practice… John Ogle, CIO, shares thoughts for consideration
By John C. Ogle | jcogle@atlaspwm.com
We believe to the extent an investor is properly positioned now, patience rather than force will prove to be a prudent strategy. With that, I offer the following…
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The markets: A forward looking mechanism… John Ogle, CIO, shares Atlas’ approach
By John C. Ogle | jcogle@atlaspwm.com
There is a well-known body of research that suggests that at any point in time, current market prices reflect all currently known information…
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Estate Planning During the Novel Coronavirus… Chris Aiello, Director of Trust & Estate Planning, shares considerations for any age
By Christopher Aiello | caiello@atlaspwm.com
Conventional wisdom says that only people who are older or wealthy need to create one of these or worry about estate planning in general. However, even people who are young and have modest amounts of assets should have a plan for when they die.
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Four Ways the CARES Act May Provide You Financial Relief… Robert Palmer, Director of Financial Planning, weighs in
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Cutting through the noise on COVID-19 and government response… an update on the financial landscape from John Ogle, CIO
By John C. Ogle | jcogle@atlaspwm.com
Financial markets hit their highest pessimism levels in mid-March, on nearly the same calendar day that Bear Stearns collapsed 12 years ago. The difference is the response times. Policymakers are responding quicker and with more force now as compared to 2008.
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Making sense of the Fed’s new facilities and the Stimulus Package… an update from John Ogle, CIO
By John C. Ogle | jcogle@atlaspwm.com
On a more practical level, we view the recent market activity as an “event driven” correction rather than either a “cyclical” or “structural” selloff. Given this, along with our preference for history rather than hysteria, we are working to cut through the current chatter.
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Our effort to “flatten the curve”… an update from Atlas’ President and CEO, Gregory R. Britton
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COVID-19 and government efforts to cushion the economy… a market update from John Ogle, CIO
By John C. Ogle | jcogle@atlaspwm.com
This week Congress is working to develop what could be a massive fiscal stimulus package. Some are labeling this package “the bazooka,” after a much more modest aid package was announced last week.
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COVID-19 and evolving market events… an update from John Ogle, CIO
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The Coronavirus and the Markets… an update from John Ogle, CIO
By John C. Ogle | jcogle@atlaspwm.com
As you are probably aware, over the last week the U.S. equity markets have sold off, losing over 10% from their recent highs. This is being driven by concerns that the Coronavirus (COVID-19) will continue to spread, negatively impacting global commerce and the potential for accelerated economic growth.
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2019 Year End Letter
By John C. Ogle | jcogle@atlaspwm.com
At this time of year I find it satisfying to take account of the year past. I enjoy reflecting on goals achieved and plans that changed, expectations fulfilled and those that failed to turn out. Surprises – yes, there are always surprises. Markets sometimes surprise me too.
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Tax Planning for Capital Gains
By Brendan Walsh | bwalsh@atlaspwm.com
As stock shares generally appreciate in value over longer periods we should know that eventually, we will have to pay taxes when we sell the shares. The question then becomes, what are some strategies to lower the capital gains hit?
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Atlas Community Highlights Q4 2019
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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In a Time of Rising Healthcare Costs, Are You Getting the Most out of your HSA?
By Robert Palmer, CFP® | rpalmer@atlaspwm.com and Sara Casale | scasale@atlaspwm.com
A health savings account (HSA) is a tax-exempt vehicle that can be used to pay or reimburse certain medical expenses. An HSA can be especially helpful to offset medical costs in retirement, which is usually a retiree’s largest expense.
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The Bond Market and Income Generation in the Future
By John C. Ogle | jcogle@atlaspwm.com
As we all are aware, interest rates are at historic lows. In fact, rates have been coming down rather consistently for the last thirty-five years. In the mid-1980’s, one could invest in a 30-year U.S. Treasury bond and receive a rate of over 14% for the next three decades.
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Atlas Community Highlights Q3 2019
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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Year-End 2019 Tax Planning Webinar
On December 3rd, 2019, clients and community members had the opportunity to watch our live “Year-End 2019 Tax Planning Webinar.” The Tax Cuts and Jobs Act has created a host of opportunities for tax savings. Learn how to maximize the opportunities under the current tax laws by reviewing Atlas’ webinar, now available for on-demand viewing.
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Estate Planning – Is a Trust Right for You?
By J. Christopher Aiello | caiello@atlaspwm.com
There are many different types of trusts. There are almost certainly a few trusts that could benefit you (which ones depend on your personal goals and life circumstances). To identify and then implement an appropriate trust, a basic understanding is necessary.
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Don’t Let Volatility Derail Your Long Term Plans
By John C. Ogle | jcogle@atlaspwm.com
A hope for a better future for ourselves and family. Our retirement. Our financial security. Our investments. Economic and political uncertainty. Headlines. Twitter. CNBC. Market volatility.
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Atlas Community Highlights Q2 2019
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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Atlas Community Highlights Q1 2019
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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That Holy Grail Called Retirement
By Lissa McNaughton | lmcnaughton@atlaspwm.com
In movies, novels, and even in real life, there are those who dedicate their life’s work to searching and discovering. Whether the search is for sunken treasure, the fountain of youth, a spiritual vortex, a cure for cancer, or the Holy Grail, there must be a calculated plan in place—a map to help guide you to your destination.
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Earnings Watch
By John C. Ogle | jcogle@atlaspwm.com
As we work our way into 2019, the U.S. economy appears to be making the transition from the middle stage to the late stage of the economic cycle. With several geo-political issues in the forefront of the news, we expect to see the growth rates of economic activity decelerate both in the U.S. and across the globe.
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2018: Year in Review
By John C. Ogle | jcogle@atlaspwm.com
With the recent increase in market instability, we have been working diligently to analyze it all and define the path to set for the future. So, we want to take the time to briefly share our views with the hope that we can provide some consolation and guidance as we begin the New Year.
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Year-End 2018 Tax Planning Webinar
On December 5th, 2018, clients and community members had the opportunity to watch our live “Year-End 2018 Tax Planning Webinar.” New tax laws have gone into effect. Are you prepared for these changes? Learn more about your options in the recording of this webinar, now available for on-demand viewing.
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Estate Planning is for Everyone: What You Need to Know
By Justin Bogardus | jbogardus@atlaspwm.com
Advance planning will help you understand how your assets will be transferred and will help ensure your wishes are carried out. It may also assist your beneficiaries and heirs in avoiding unnecessary delays.
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Should I Own Bonds in a Rising Rate Environment?
By John C. Ogle | jcogle@atlaspwm.com
We think that this fear of rising rates is one of the most unsupported and exaggerated investment themes in memory, and we’ll offer some historical evidence that shows that most investors have far less to fear than they think.
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Atlas Q3 2018 Highlights
Each quarter, we provide updates on matters such as Atlas events, community activities, and new associates.
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Webinar: Navigating the College Admissions Process Without Jeopardizing Your Retirement
On October 30, 2018, we held a live webinar for clients and community members that discussed how to plan for college expenses without jeopardizing your retirement. The recording of this webinar is available now for on-demand viewing.
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Atlas Team Community Highlights
Atlas team members have been busy making a difference in the communities they live in, work in, and serve.
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The Responsible Millennial
By Kollin F. Allard, CRPC® | kallard@atlaspwm.com
The oldest millennials are turning 37 while the youngest millennials are now 22. What should young investors keep in mind as they begin their independent financial lives?
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Earnings – The Fuel that Propels the Markets
By John C. Ogle | jcogle@atlaspwm.com
Anyone that studies the markets knows that for equities and certain classes of fixed income securities, it is earnings (or profits) that propel and support valuations.
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Webinar: Choosing Your Retirement
On May 23rd, 2018, we held a live webinar for clients and community members which addressed some of today’s biggest retirement planning decisions. The recording of this webinar is available now for on-demand viewing.
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A New Fed Chair: Should You Care?
By Tim Hamilton, CFP®, CIMA® | thamilton@atlaspwm.com
For the first time in four years, the Federal Reserve has a new chairman. Who is Jerome Powell and how might his leadership impact interest rates, the dollar, and equity markets?
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Atlas Team Highlights
Each quarter, we provide updates on new professionals joining our team, upcoming events, and how Atlas Private Wealth Management is giving back to the community.
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March 2018 Economic and Market Outlook
By John C. Ogle | jcogle@atlaspwm.com
The first quarter of the year has been eventful for the economy and markets, to say the least. We saw a return of volatility in the markets – more than we had seen for many months.
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Webinar On-Demand: Tax Reform Facts, Strategies, and Insights – January 2018
On-demand webinar discussing tax reform and its implications for individual investors and business owners.
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Market Observations December 2017
Teflon was the byword for the markets in 2017. Despite political and social turbulence, many markets have “let it slide,” and have seen a surprisingly steady rise. In the U.S., the rise has come with relatively low interim volatility.
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Tax-Loss Harvesting Techniques
Investment losses happen, it’s just part of owning a diversified investment portfolio. Tax-loss harvesting is a way for investors to realize, or “harvest,” these investment losses in order to lower their tax liability.
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The Long Game: U.S. Equity Markets Since 1871
It’s hard to open The Wall Street Journal these days without being reminded that U.S. equity markets are at historic highs. How do these market highs compare to history, and what can we learn from looking at the big picture?
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Year-End Tax Planning Webinar – December 2017
On December 6th, we covered year-end tax planning tips during a LIVE webinar.
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Basics of Financial Planning – July 2017
On July 19th, we covered the basics of financial planning during a LIVE webinar.
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Market Observations June 2017
With the first half of 2017 coming to a close, we’re seeing a shift in equity market leadership, with European large-cap stocks emerging from their doldrums and international stocks generally showing attractive returns.
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How Can Technology Help You Manage Your Money?
Today, there are countless ways technology can help you manage your money, create a better budget, and even save on the purchases you make every day. We believe that each of these can be an important component of a holistic financial plan.
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Digital Deception: Current Trends in Cybercrime
Cybercrime is a growing topic of importance. What tactics are digital thieves using today and, more importantly, how can investors protect themselves? Explore this topic to ensure your hard-earned assets are as safe as possible from cyber threats.
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Saving for College AND Retirement
These days it’s not uncommon for parents to postpone starting a family until both spouses are settled in their marriage and careers. Though this strategy can be advantageous, it can also present a dilemma — the need to save for college and retirement at the same time. Facing this dilemma? Download our four page resource which can help you navigate this challenging scenario.
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Planning for Incapacity
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Understanding Roth Conversions Webinar
On August 18th, 2020, clients and community members had the opportunity to watch our live “Understanding Roth Conversions Webinar.” Recent legislation has significantly changed the landscape of retirement planning. Learn about the potential benefits and impacts to consider from these new provisions in the recording of this webinar, now available for on-demand viewing.
-
Tax Planning for Capital Gains
By Brendan Walsh | bwalsh@atlaspwm.com
As stock shares generally appreciate in value over longer periods we should know that eventually, we will have to pay taxes when we sell the shares. The question then becomes, what are some strategies to lower the capital gains hit?
-
2018: Year in Review
By John C. Ogle | jcogle@atlaspwm.com
With the recent increase in market instability, we have been working diligently to analyze it all and define the path to set for the future. So, we want to take the time to briefly share our views with the hope that we can provide some consolation and guidance as we begin the New Year.
-
Financial Planning, Tax Planning, Nov 1, 2018
Estate Planning is for Everyone: What You Need to Know
By Justin Bogardus | jbogardus@atlaspwm.com
Advance planning will help you understand how your assets will be transferred and will help ensure your wishes are carried out. It may also assist your beneficiaries and heirs in avoiding unnecessary delays.
-
Tax Planning, Blog, Dec 19, 2017
Tax-Loss Harvesting Techniques
Investment losses happen, it’s just part of owning a diversified investment portfolio. Tax-loss harvesting is a way for investors to realize, or “harvest,” these investment losses in order to lower their tax liability.
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Roth IRA Conversions
With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2016 Investment Company Fact Book, 20 million U.S. households (about 16.3%) owned Roth IRAs in 2015.
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Tax Planning, Blog, Dec 13, 2016
The Tax Facts About Year-End Gifting
Tis the season for giving, as the clock runs down on 2016. This is a good time to think about year-end gifting. I’m talking more than the usual presents under the tree.
Currently the individual 2016 and 2017 annual gift exclusion amount is $14,000 per any one individual. You can gift up to the exclusion to anyone (not just family members) and any number of people, without the need to report the gift or incur any gift tax. Married couples can gift twice as much ($28,000) using gift splitting (this requires them to file a gift tax return using IRS Form 709).
We all have a lifetime exclusion. This is the amount above the $14,000 annual limit that we may gift during our lifetime without incurring gift taxes. For 2016, that amount is $5,450,000, and in 2017 it increases to $5,490,000.