2021 Tax and Retirement Plan Changes

Every year, the IRS evaluates and makes certain changes to adjust for inflation. Below is a list of which changes you can expect for 2021 for taxes, retirement contributions, and social security. Retirement Contributions 401(k) and IRA contribution limits The basic salary deferral amount for 401(k) and similar workplace plans remains flat at $19,500; the […]

3 Simple Steps to Avoid Estate Tax

The Tax Cuts and Jobs Act (TCJA) of 2018 increased the lifetime estate tax exclusion from $5.45 Million to $11.5 million. The exclusion also doubles for married couple to an exclusion of $22.8 million. As you can imagine, this made the need for estate planning unnecessary for most people. However, these exclusion limits may not […]

The Five Best 2020 Tax Planning Ideas

The Five Best 2020 Tax Planning Ideas 2020 will certainly be a year to remember (or forget). On the tax and retirement planning side of things it has presented us with some unique opportunities. Each one of these tax planning strategies depend upon your personal situation and should be discussed with both your advisor and […]

Biden Tax Proposals

Biden’s Tax Proposals  Below we have compiled several of the critical features of Joe Biden’s tax proposals. We have added commentary to clarify some of the proposals along with the significance of the changes. Please remember these are only initial proposals and there is no time frame for implementation. • Restoring the top marginal income […]

Frothy? Bubbles?

Frothy? Bubbles? No, we are not writing to you about cappuccinos, champagne, or bubble bath. We’re talking stocks. You may have noticed that the shortest bear market in history is over, and markets recently hit new record highs before pulling slightly back again. Will stocks keep going higher? Will they stay volatile? Is another bear […]

Charitable Giving Under the CARES Act

Charitable Giving Under the CARES Act As you are probably aware the government recently passed the CARES Act to help combat the economic downfall as a result of COVID-19. Well, included in the bill are some new tax incentives for charitable donations. Whether you give to regularly or would like to start, this blog will […]

7 Steps to Get Your Retirement Plan Back on Track

7 Steps To Get Your Retirement Plan Back On Track

7 Steps to Get Your Retirement Plan Back on Track 2020 has thrown quite a few wrenches into people’s retirement plans. Here are a few ways you can begin getting back on track in the second half of the year. Make Catch Up Contributions if you can For 2020, 401(k) contributions are limited to $19,500 […]

Studies show that Financial Advice can Boost Your Returns

Financial Advice Can Boost ROI

In today’s world, Robo Advisors and low-cost brokers make paying for financial advice seem futile. However, hard data from research done on the industry seems to side with human advisors in this matter. Here is some data to back that up.  The Studies Vanguard, who is the leader in low-cost investing, released a study titled […]

Markets Rising

Why are Markets Rising When Headlines Appear Ominous?   It was not long ago that many investors were asking how can stocks recover when everything I hear concerning COVID-19 is so dismal? Many are asking the same question regarding the looting and destruction of property occurring in cities across the country. Why are markets going […]

5 Estate Planning Mistakes

5 Estate Planning Mistakes

5 Estate Planning Mistakes 1. No Estate Plan at all It is not uncommon for us to work with people who have accumulated more than enough assets to retire, but do not even possess a simple will. A will provides specific information about who will receive your money, property, and other assets after you pass. […]

Tax-Savvy Withdrawals In Retirement

Tax-Savvu Withdrawls In Retirement

The main purpose of saving and investing is to accumulate enough assets that will both supplement your income and allow you to maintain a comfortable lifestyle in retirement. Doing so requires discipline, patience, and most importantly, a plan.   However, once you’ve successfully reached retirement that does not mean that the planning stops. You need […]

Why now may be the right time for a Roth Conversion

Roth Conversation

A Roth IRA conversion is when you convert traditional IRA assets (paying the taxes now) into a Roth IRA in order to enjoy tax-free growth and withdrawals later. Currently, there are multiple factors converging to make Roth conversions more promising than ever before. Factors The market is well off its highs Although we do not […]

Market Update (corona virus)

Daily market movements have been unprecedented. Movements that typically take a year or longer are occurring in single trading days. The volatility is certainly unsettling, but it is not a time to attempt to time the market, rather it is time to maintain a long-term perspective. We all understand that is has been an awful […]

Economic Stimulus Bill Highlights

Stimulus Bill Highlights The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was approved by the U.S. Senate and is expected to be approved by House and signed into law. This $2 trillion-dollar package was designed to provide relief to individuals, businesses, the U.S. Economy and the U.S. healthcare system among others. Below we […]

5 Things to Remember During These Times

5 Things to Remember During These Times It is no secret that news of the coronavirus has created mass uncertainly through the stock market. Most of which is surrounding the economic slowdown as a result of the virus. If you watch the news regularly, it may seem like this is the end of times. We […]

5 Questions for your Tax Preparer

“You don’t pay taxes–they take taxes.” -Chris Rock Many of you are gathering your W-2s, 1099s, K-1s, and other tax forms in preparation for filing your 2019 tax return. Please remember that we recommend that you wait to file your return until April if not later to account for corrections of 1099s.   Below is […]

The good, the bad, and the ugly of the SECURE Act

Private Wealth Management

Congress passed and signed the SECURE Act to close out 2019. This bill is meant to overhaul certain retirement rules and help the overall landscape for retirees. Was it a success? Only time will tell. Here are what we believe to be the good, the bad, and the ugly of the SECURE Act. The Good […]

How much are fund fees costing you?

Private Wealth Management Near Me

Imagine you are driving down the road and notice the much-dreaded gas light is blinking on your dashboard. You pull up to an intersection and spot a gas station on the left, advertising a price of $2.75/gallon, and another gas station on the right, with an advertised price of $2.45/gallon. Which way do you turn? […]

Your Pre-retirement Checklist

Your Pre-retirement Checklist Here are some steps you can take to prepare for retirement whether you are 10 years away, 1 year away, or even six months away. 5-10 Years away Accelerate Savings-In 2020, you can contribute up to $19,500 to a 401(k), 403(b), 457(b), or the federal government’s thrift savings plan, plus an additional […]

Has the Panic Begun?

Stock Market Growth

Aren’t you happy you didn’t listen to the negative reports of the 2019 media? One of the most celebrated investors of the 21st century Ray Dalio said this, “I believe we are now living in a world in which sensationalistic headlines are what many writers want above all else, even if the facts don’t square […]

2020 Guide to Social Security

Help With My Social Security Plan

Every year the Social Security Administration looks at the cost of living to adjust monthly benefits. This guide will highlight the changes for 2020 as well as provide some strategies to maximize your benefit.   Changes COLA Increase Based on the increase in Consumer Price Index (CPI) from the third quarter in 2018 to the […]

2020 Contribution Limits

contribution limits

New IRS Contribution Limits 2020 How much can you save for retirement in 2020? The Treasury Department has announced inflation-adjusted figures for retirement account savings for 2020: 401(k) contribution limits are up; traditional IRA contribution limits stay the same; almost all the other numbers are up. Workplace Plan Limits The amount you can contribute to […]

The Consequences of Listening to Armageddonists

Private Wealth Management Firms

The Consequences of Listening to Armageddonists When an acclaimed market-watcher, money manager, economist or “stock market expert” sounds the alarm that a recession is imminent, how do you respond? This may be a surprise but the opportunity cost of selling equities for perceived fixed income “safe havens” has not been a successful strategy during the […]

5 Year-End Financial Moves

Private Wealth Management

5 Year-End Financial Moves As we move towards the end of the year, here is a list of financial moves you can make to help lower your taxes, increase your savings, and ensure you are on the right path to retirement. 1. Maximize your tax-deferred contributions Maxing out tax-deferred accounts like 401(k)s, 403(b)s, and traditional […]

An Alternative to Mutual Funds

Private Wealth Management

An Alternative to Mutual Funds Mutual funds are often the main component of an advisor’s asset allocation because of their instant diversification. What if there was an alternative to mutual funds that provided the same type of diversification? And, would you be interested in purchasing this alternative at a discount? Mutual funds are priced at […]

5 retirement planning mistakes and how to avoid them

How To Manage My Money

5 retirement planning mistakes and how to avoid them The generation that has begun entering retirement is known as the “baby boomers”. They were born between 1946 and 1964 and were raised during the biggest, most sustained, economic boom in human history. Right now, approximately 10,000 boomers are retiring every day. Unfortunately, planning for retirement […]

7 Frightening Financial Facts for Halloween

Today is Halloween and many are looking forward to a day of activities like trick-or-treating, carving pumpkins, festive gatherings, donning costumes, and eating treats.  In honor of the day, we have put together a list of 7 frightening financial facts: 1. More Americans own cats than stocks52% of Americans report not owning any stocks. 50% […]

The Fall of the 60/40 Portfolio

For nearly 70 years, the 60/40 strategy has been the standard for most investment portfolios. Now, has this approach has become too risky and structurally incapable of meeting its intended objectives? What is a 60/40 Portfolio? Foundations of the 60/40 portfolio emerged from Harry Markowitz’s Modern Portfolio Theory (MPT) work in the 1950’s which won […]

All Signs Point to Trade

Global economic uncertainty continues to drive markets as we enter the 4th quarter. The S&P 500 Index increased by 1.19% for the 3rd quarter coupled with an increase in volatility and trade headwinds. The volatility trend has continued into October however U.S. equities were negative for consecutive days to start the quarter. This has been […]

10 years from retirement

Creating a comfortable retirement is probably the single biggest financial challenge that anyone can face. A GoBankingRates.com study has found that 56% of workers surveyed had less than $10,000 saved towards retirement. Worse yet, nearly one-third of workers age 55 and older reported no retirement savings. The 10 years leading up to retirement is the […]

10 mistakes made with workplace retirement plans

10 mistakes made with workplace retirement plans Your workplace retirement plan is often the largest part of your nest egg for retirement. Yet, some of the biggest mistakes are made in these accounts every year. A workplace retirement plan refers to a 401(k), 403(b), 457(b), or other deferred compensation plans. Here are 10 mistakes to […]

6 reasons why variable annuities are a bad investment for almost anyone

What’s a variable annuity? If you’re unfamiliar with annuities — you give an insurance company your money and in return they pay you an income stream, usually for the rest of your life. The annuity company uses several factors to determine your payment amounts including life expectancy. In essence, you are betting against the insurance […]

SP 500 vs Recession Trends.

Much of the talk in financial media over the past year has market experts and economists predicting whether or not the U.S., and the world, is headed toward a recession. Recession chatter has especially picked up over the past two months as some leading recession indicators are beginning to flash warning signals. U.S. Treasury yields […]

How can you reduce risk in this volatile market?

It’s no secret that the last few weeks have been like a roller-coaster for the stock market. In fact, 8 of the last 13 trading days for the S&P 500 have seen at least a 1% move in either direction including two days of almost 3% drops. Times like this can weigh on investor’s minds […]

Thoughts on the Yield Curve Inversion

Our Thoughts on the Yield Curve Inversion The Trade “war of words” between the United States and China has been yo-yoing markets for the better part of the summer and may continue until both sides come to a finalized agreement. Most analysts agree that the US economy is the best suited economy in the world […]

5 Ways that the SECURE Act Could Impact Your Retirement Savings

bbpwm-website-5 Ways that the SECURE Act Could Impact Your Retirement Savings

With pensions disappearing the responsibility now falls on ourselves to save and invest for retirement. However, there are clearly still flaws in this as almost 1/4th of Americans do not have enough saved for retirement. This has led to the House of Representatives to pass the SECURE Act, which would affect your ability to save […]

5 Things You Should Know About Social Security

For many retirees, Social Security will be their only source of income during retirement. Because of this we find it critical to educate our clients about the benefits that they are entitled to. Below are 5 facts about Social Security that you may not know: Divorced Spouses Can Benefit from Their Ex’s Earnings If you […]

Is a back-door Roth right for you?

Roth IRAs are typically off limits for many higher-income earners, due to strict income caps on contributions. However, there is another way into a Roth, the back-door method. Using this method, you open a traditional IRA, make a nondeductible contribution and then, at a later date, covert the funds into a Roth IRA. The appeal […]

A look at the last 20 years

The S&P 500 closed above 3,000 for the first time ever on Friday, July 12th. On this same date 20 years ago, the S&P closed at 1,399 while the world was preparing for a computer apocalypse known as “Y2K”. Well, we are still here, and the S&P 500 is now above 3,000 or about 116% […]

Let’s Talk Taxes!

Blue Bell Private Wealth Management

There is only one reason why anyone invests their savings, to earn a return on that invested capital. However not all gains are created equal; in fact, two separate investments, both earning the same 5%, can have very different bottom lines. Why you may ask? Because of taxes. Taxable income and short-term capital gains are […]

5 reasons why people outlive their money in retirement

Every year since 1996 TransAmerica runs it annual Retirement Survey. This report canvases thousands of every day working Americans concerning retirement preparedness. While reading through the 2017 survey I was not surprised to find that the number one fear among Americans concerning retirement was outliving their money.  Running out of money in retirement should be […]

There Is No “Magic Bullet”

A new craze is sweeping across the U.S. following the introduction of new plant-based burgers from both Beyond Meat and Impossible Foods. This has led to widespread fanfare for meatless products from both companies with major fast food chains and retailers piling into the space with new menu offerings. This craze has poured over into […]

Now that you have changed jobs, what do you do with your old 401(k)?

  Ignoring your past employer’s 401(k) can be easy but rolling it over to an IRA could be just as easy and more beneficial in the long run. When you leave a company, you have multiple options with your 401(k). You can roll it over into an IRA, keep it with your previous employer’s provider, […]

What does history say when they sell in May?

Over the past 80 years, there have been 9 times where the S&P 500 had a negative return of at least 5.00% in May. As you can see in the table above, all but one of those times were followed by a market rally in the following months. Keep in mind that past performance should […]

Market Sell-off all about Chinese Tariffs

Market Sell-off all about Chinese TariffsThe market is selling off today in response to the Chinese trade negotiations. On Friday, the U.S. raised tariffs from 10% to 25% on $200 billion of Chinese goods and threatened new tariffs on more than $300 billion worth of remaining Chinese good imported to the U.S. In response China […]

The Six Principles for Long Term Investing

The Six Principles for Long Term Investing The stock market is filled with uncertainty and people questioning how long this economic expansion is going to continue. The reality is that even the world’s most successful investors cannot accurately predict where the market is heading. We must accept that certain things like economic and market conditions […]

Are You Using This Retirement Savings Account?

Are You Using This Retirement Savings Account? Do you make less than $122,000 a year ($193,000 if married)? Do you have children with earned income less than that? If you answered yes to either of these, then are you contributing to a Roth IRA? If you are good for you! If you are not, then […]

2019 Guide to Retirement

  Last Tuesday JP Morgan had its annual call that discusses the changing trends and topics in the retirement landscape. We wanted to put together a summary of the most important points brought up during the call along with some of our thoughts. Market Outlook JP Morgan’s Chief Economist Dr. David Kelly pointed out that […]

4 Ways to Boost your Social Security Benefits

With the disappearance of pensions and longer life expectancy, social security benefits have become an increasingly important part of retirement planning. So, how can you make the most of your social security? Here is a quick list of four ways you can maximize your benefit. 1. Work Longer Nobody likes this idea; however, the fact […]

The Do’s and Don’ts of Investing

  What makes a successful investor? The advisors at our firm decided to sit down and write out five things that investors should or should not do to be successful. After comparing our lists, we created the five do’s and five don’ts of investing. The Don’ts Don’t Try to time the market Market timing is […]

New IRS Contribution Limits 2019

As 2018 comes to an end, we like to look back at projections for the S&P 500 index that top Wall St. strategist made for the year and what they are expecting for 2019. The S&P 500 ended the year down 6.24% after one of the worst fourth quarters in history.

2019 Wall St. Strategist predictions

As 2018 comes to an end, we like to look back at projections for the S&P 500 index that top Wall St. strategist made for the year and what they are expecting for 2019. The S&P 500 ended the year down 6.24% after one of the worst fourth quarters in history.

A Year of Uncertainties

INSIGHTS A Year of Uncertainties 2018 has been an historic year for equity markets albeit not for reasons that may seem apparent right now. U.S. equity indices, including the S&P 500, Dow Jones Industrial Average and Russell 2000 all moved into uncharted territory peaking at new all-time highs in late August and September. Since then, […]

Everyone has a plan until they get punched in the mouth

“Everyone has a plan until they get punched in the mouth.” This is a well-known quote by Mike Tyson, who at the time was speaking with reporters that had asked him about Evander Holyfield’s boxing style and strategy prior to a fight. When speaking in 2012 with a reporter about the quote, Tyson explained, “If […]

2018 Year End Distributions

INSIGHT Your online account value may appear lower than reality because of accrued (earned) but unpaid distributions. This does not affect values on your monthly statements because accrued but unpaid distributions are accounted for on them. Tis the start of the holiday season and along with Thanksgiving, Chanukah, and Christmas comes year-end Closed-End Fund distributions. Towards the […]

Midterm Madness

Midterm Madness? As this year’s midterm elections quickly approach, both political parties in the U.S. and the U.S. equity markets are facing uncertainty. The elections present the opportunity for Republicans to maintain control of Congress while Democrats are hoping to take control of the House of Representatives. Similar to equity markets, there are several “experts” […]

October 11th Market Update

If you watch the news or view your investment accounts daily, you will be aware that yesterday was a tough day for U.S. equity markets. All the major indices were in the red with the Nasdaq leading the way down 4.08% on the day. There are several reasons that you may hear in the media […]

10 Years from Financial Crisis

On September 15, 2008, Lehman Brothers, the fourth largest U.S. investment bank, with $639 billion in assets and over $600 billion in debt obligations, filed for bankruptcy. Lehman’s collapse sent global financial markets into chaos. On September 29, 2008, the Dow Jones Industrial Average fell 777.68 points or 6.98% intraday while the S&P 500 fell […]

The Power of Compound Growth

The 10 millionth Ford Mustang recently rolled off the assembly line. 10 MILLION! As amazing as 10 million is, there may be an even better story. The story of the first person to ever purchase the Ford Mustang was School teacher named Gail Brown, now Gail Wise. Gail purchased the car on April 15th, 1964 […]

“Experts” are sometimes wrong about the markets…

As we are now a little more than half-way through the year, we would like to highlight some of the differences in projections for the S&P 500 index that Wall Street strategists have made for 2018. These projections are often used by investors to gauge the sentiment among the top strategists for the outlook over […]

Charitable Donations: Consider Gifting Your RMD

The Tax Cuts and Jobs Act of 2017 that passed through the Senate and House of Representatives this past December will have a wide range of effects on taxpayers. The new tax law is nearly doubling the standard deduction to $12,000 for single filers, $18,000 for heads of households and $24,000 for married couples that […]

Google Trends and Market Sell-Offs

Tuning out the noise of the media and those around you can be hard especially when it comes to your savings. Many people are subject to react to media headlines or recommendations and opinions from friends with their investments. Nowadays, people are inundated with even more news on their mobile devices, computers, TVs, etc. Where […]

Annual Returns and Intra-Year Declines

The recent drawdown in the equity markets may be more “normal” than the 2017 equity markets. This sell-off has been scary for investors and has many people pausing to ask questions about their portfolios and the stock market in general. Should Investors Be Concerned? Although sell-offs or market corrections, defined as a 10% drop in the […]

Our Insights on the Recent Market Sell-Off

Keep everything in perspective: Monday’s headlines were scary if you saw a headline like this: “Dow plunges more than 1,100, largest single-day point drop in history.” Everything about that headline is true and Monday was certainly a miserable day for the markets, however, in percentage terms Monday only ranks as the 108th worst day in history. The […]

Wall St Analysts 2018 S&P 500 Projections

As 2017 comes to an end, we like to take a look back at the projections for the S&P 500 index that top Wall St. strategist made for the year and what they are expecting for 2018. Returns in the S&P 500 were propelled by optimism of corporate tax reform and a strong earnings season […]

Pending Tax Bill: Items to Consider Prior to Year End

Pending tax bill: items to consider prior to year end Both the Senate and the House have passed their own versions of the Tax Cuts and Jobs Act. The differences between the versions must be resolved before the bill can be signed into law. While we do not have a final version there are some […]

Happy Thanksgiving!

Thanksgiving Letter 2017 Happy Thanksgiving, Merry Christmas, Happy Hanukkah, and a safe, healthy and Happy New Year. It may sound cliché, but I feel fortunate to be able to make a living doing what I love. I take very seriously the trust you place in us and please know that you and your family mean […]

Closed-End Fund Year End Distributions for 2017

Your online account value may appear lower than reality because of accrued (earned) but unpaid distributions. This does not affect values on your monthly statements because accrued but unpaid distributions are accounted for on them. Tis the start of the holiday season and along with Thanksgiving, Chanukah and Christmas comes year end Closed-End Fund distributions. Towards the […]

Are You Being Treated Fairly? Probably Not!

Finding a trusted advisor to partner with in managing your savings can be a daunting task, there are several attributes of that advisor and your relationship that should be taken into consideration. One of the most frustrating aspects of the search is the difficulty in determining the answer to the simple question “Will I be […]

How Much Are Fund Fees Costing You?

Imagine you are driving down the road and notice the much-dreaded gas light is blinking on your dashboard. You pull up to an intersection and spot a gas station on the left, advertising a price of $2.75/gallon, and another gas station on the right, with an advertised price of $2.45/gallon. Which way do you turn? […]

Self Employed Retirement Plans: You Have Options!

  We know that self-employed Americans already have a lot on their plate however we wanted to take the time to discuss retirement plan options that could provide increased benefits over traditional retirement accounts. Certainly, majority a of people are familiar with the traditional 401(k) plan, but when considering small-business retirement plans, there are typically […]

The Death of “Death Taxes” in New Jersey

On October 14, 2016, Governor Chris Christie enacted a new law that will dramatically change the role of “death taxes” in New Jersey. “Death taxes” refer to estate and inheritance tax, which are incurred by heirs following the death of a relative. New Jersey, along with Maryland, are the only two states that levy both […]

Department of Labor Fiduciary Rule

You may have heard of the Department of Labor’s (DOL) Fiduciary rule that went into effect on Friday, June 9, 2017 and the confusion surrounding it. This rule requires that anyone who provides advice on retirement assets must abide by new impartial conduct standards. This includes all financial professionals, no matter what they may call […]

Welcome to Our Summer 2017 Interns!

  We are excited to have our three interns here with us for the summer. Welcome to the Blue Bell PWM team Kevin, Ryan and Pete! Kevin Scott:             Kevin was born in Lansdale, PA, eventually moving to Telford and now residing in Quakertown, Pennsylvania with his parents and older sister. Kevin attended Lansdale Catholic […]

Beware “Hidden” Costs in Mutual Funds

Since the 1960’s, mutual funds have seen an exponential increases in demand. Mutual funds have basically become a “go-to” investment for retail and institutional investors alike. According to Investopedia, over $28 trillion is currently invested in mutual funds worldwide! Today, investors often praise mutual funds for their diversification and professional management. However, what is rather […]

Survivorship Bias

In recent years, professional baseball player Yasiel Puig has served as an inspiration for young athletes yearning to go from “rags to riches.” Puig, a 26 year old migrant from Cuba, has captured the attention of baseball fans with his speed, strong arm, and gregarious personality. His ability and personality helped solidified a seven-year, $42 […]

Hindsight is 20/20

Amazon, Inc. had its initial public offering (IPO) 20 years ago this past Monday on May 15, 1997 and has grown to become arguably the most disruptive force in the retail and technology space today. The stock price has gained an astounding 36% compounded annually since its first day of trading. According to The Wall […]

The Only Thing We Have to Fear is Fear Itself

The CBOE Volatility Index or “VIX” is an index that measures the market’s expectation of volatility over the next 30 days. The actual computation of the VIX is complicated but is based on current S&P 500 option prices and the expected future option price movements. Investors that are worried about large moves in the market […]

“Frexit” Odds Decrease

The European markets and the majority of developed country stock markets are rallying on Monday after the first round of voting in French presidential election. Emmanuel Macron and Marie LePen will now face off on May 7th. This was considered the ideal scenario for the future of the European Union as polling predicts that pro-EU […]

109 Days Without an Accident

I recently walked into a local deli and noticed a sign proudly displayed which read, “78 Days without an accident.” I assume that between the knives, meat slicers and grill, 78 days is quite an accomplishment. The Dow Jones Industrial Average bested that streak going 109 days without a closing drop of more than 1%.  […]

5 Common Mistakes Made When Purchasing Closed-End Funds

Closed-end funds (CEFs) are one of the core investments utilized at Blue Bell Private Wealth Management and we think it is necessary to educate people about the mistakes that are often made when purchasing closed-end funds. Below are the five most common mistakes that we believe occur with investors who purchase CEFs. 1. Buying Closed-End […]

5 Questions You Should Be Asking Your Advisor

Below is a list of questions that everyone should ask their current or potential investment advisor. While this is not a comprehensive list of questions, this can serve as a great starting point. 1. Are you a fiduciary? Your advisor should always be a fiduciary. They are required by law to act in their client’s […]

It’s Not Timing the Markets, but Time IN the Markets

Too often investors attempt to time the market and follow media headlines proclaiming the stock market is either headed for new highs or on the verge of a crash. This has been evident over the past few weeks with headlines reading “Dow Volatile After Losing Streak,” “The Trump Stock Market Rally is Under Siege,” and […]

Plan Now for Less Pain Later

Whether you are approaching retirement or still in the height of your working years, it is always a good idea to review your estate plan and named beneficiaries on accounts. We have discussed in the past the benefits of doing such here and here. Naming beneficiaries can direct your money to your loved ones in […]

Don’t Let Annuities Eat You Alive

This past weekend, Philly.com published two articles discussing fixed-index annuities and the potential harm they pose to elderly people and savers in general. Both articles can be found here and here and we highly recommend everyone read them. We almost never recommend that any of our clients purchase annuities at Blue Bell Private Wealth Management. […]

How Pay to Play May Be Holding You Back

In our previous article, we discussed how President Donald Trump ordered the Department of Labor to review the investor protection rule, otherwise known as the fiduciary rule. The review was to determine if the rule would cause any likely harm to investors, including the price of advice, industry impacts and increased litigation. While many now […]

One Reason Why Prices at Your Favorite Restaurant’s Prices Keep Rising

Remember a time where McDonald’s dollar menu actually had items that were a dollar? McChickens, chicken nuggets, and cheeseburgers; each of these could be purchased with a single crisp dollar bill. Those times are long gone. Their dollar menu has ceased to exist; it’s now called a value menu. The price of everything on that […]

Wall St. Strategists 2017 S&P 500 Projections

As 2016 has come to an end, we like to take a look back at the projections for the S&P 500 index that top Wall St. strategists made for the year and what they are expecting for 2017. Returns in the S&P 500 for 2016 were aided by a 4.64% gain following the presidential election and finished […]

Year-End Financial Check-Up

As we approach the end of the year there are a few financial moves you can make that will help you manage your savings accounts to ensure you are on the path to retirement. These include decisions you can make to help lower your taxes for the year 2016 and planning adjustments you may want […]

Investing & Money in Your 50s

When many people reach their 50s, they may come to the daunting realization that they do not have enough money saved for their retirement.  Furthermore, as modern medicine continues to advance, people are living longer and many financial experts recommend preparing to have retirement funds available to last 40 years or more. Lifestyle plays a […]

Closed-End Funds Year End Distributions Explained

****Your online account value may appear lower than what it really is because of accrued (earned) but unpaid distributions****   Tis the start of the holiday season and along with Thanksgiving, Chanukah and Christmas comes year end Closed-End Fund distributions. Towards the end of each year Closed-End Funds (CEFs) must distribute realized capital gains. These […]

Investing & Money in Your 40s

Anyone who is in their 40s and is roughly midway through their career or “work-life” has faced, and hopefully conquered, significant challenges financially and in life and begun focusing on saving for major life events. These can range from the purchase of a new home to planning for a child’s education expenses but retirement planning […]

Investing in Your 30s; The Do’s and Don’ts

In continuation of our discussion regarding certain money mistakes to avoid at the various stages of your investment life, we will continue with those who are in their 30s. With an additional decade of working under your belt, more investment options will arise. Unfortunately, this decade of newfound capital also means more complex expenses to […]

Reaction to the U.S. Presidential Election

Please do not hesitate to pick up the phone and call or email a member of our team regarding the election results and how it affects your portfolio. We want to be sure that you are aware we are here to speak with you individually and address any inquiries you may have regarding your current […]

Investing In Your 20s; The Do’s and Don’ts

When it comes to money, everyone makes mistakes. Luckily, if you are in your 20s you have plenty of time to recover. These years can provide you with important lessons for future decisions, and the amount of time you have before retirement can minimize any investing mistakes you are likely to make. Our goal is […]

Choose the Alternative of Alternative Investments

In continuation of our discussion about which investment vehicles investors should avoid, we will now focus our attention to alternative investments. More specifically, we will discuss the importance of investors excluding Non-traded Real Estate Investment Trusts (REITs), Private Placements, Hedge Funds, Venture Capital Funds, and Private Equity Funds from their portfolios to avoid thwarting investment […]

Steer Clear of Mutual Fund Fees and Closed End Fund IPOs

Last week, we discussed the importance of avoiding Equity-Indexed Annuities which give the illusion of principal protection and growth. This week, we will discuss how investors should ignore and avoid specific Mutual Funds and Closed End Funds (CEF) sold at the Initial Public Offering (IPO) in order to remain steadfast on the path to reaching […]

Could An Annuity Be Hurting Your Retirement Goals?

We have written a lot about what we like to invest in for our clients and what we think investors should be doing to prepare for retirement. Over the course of the next few weeks we will be discussing investments that we feel almost every investor can ignore and avoid with complete confidence. These investments, […]

Will Millennials Be Ready for Retirement?

Most millennials, people aged 18 to 34, are unprepared and under educated on the importance of saving for retirement. A survey found that 40% of millennials do not have a retirement savings account, and nearly 75% do not know their own net worth. This is concerning as they are believed to be one of the […]