Oak Wealth Advisors produces market updates for its clients…

in addition to the individualized reporting that each client receives. Below we have posted some recent updates that have been distributed to clients.

2018  – You are off to a great start!

2018 – You are off to a great start!

 In 2017, the investment markets delivered better than expected returns. As we begin 2018, the prospects remain good for another year of solid investment results. Corporate profits are growing, unemployment is near all-time lows, and the recent legislation provides additional corporate stimulus in the form of lower taxes and less regulation. We would be surprised if the global stock markets do not deliver double-digit returns again in 2018. That being said, when consumer confidence rises to high levels as it has recently, the corresponding complacency can lead investors to take excessive risks. When you take excess investment risks, you increase your exposure to bigger losses when the s ...

Preparing For Bumpy Roads Ahead

Preparing For Bumpy Roads Ahead

Ever ridden in a car with worn-out shock absorbers? Every bump is jarring, every corner stomach-churning, and every red light an excuse to assume the brace position. Owning an undiversified portfolio can trigger similar reactions. ...

Oak Wealth Advisors’ First 100 Days of 2017

Oak Wealth Advisors’ First 100 Days of 2017

We wanted to update you on the first 100 days of the year at Oak Wealth Advisors. It has been a momentous period that we feel has us well positioned to deliver the best possible client service in the future. The fortune cookies that we opened late in 2016 could not have been more insightful. ...

2017 Social Security Benefits Update

2017 Social Security Benefits Update

– Better than nothing, but just barely… Regardless of whom our next President is, for 2017, Social Security recipients will be getting a .3% increase in their monthly checks.  (That is less than one-third of one percent, not three percent.) Individuals receiving SSI benefits will receive $735/month up from $733 in 2016.  The amount of earnings an individual can make before reaching substantial gainful activity is being increased from $1,130/month to $1,170/month.  The earnings levels are slightly higher for the blind. While benefits will be rising by the smallest of margins, the amount of income subject to Social Security taxation is rising from $118,500 in 2016 to $127,200 in 2017 ...

How Can I Minimize the Taxes  on My IRA Account?

How Can I Minimize the Taxes on My IRA Account?

 IRAs and qualified retirement plans like 401(k)s, 403(b)s, and 457(b)s are among the most tax-inefficient assets to leave your heirs.  Distributions from IRAs and qualified retirement accounts are taxed as ordinary income and can be taxed up to the highest marginal income tax rates.  For wealthy taxpayers, their IRA balances may be subject to the estate tax at 40%.  At their death, if the beneficiaries they have named are subject to the highest (39.6%) income tax bracket, the amount received by the next generation from the inherited IRA account may be only thirty-six cents on the dollar.  Fortunately, there is a strategy available that will help ta ...

End of the Road Coming for Social Security Strategies

End of the Road Coming for Social Security Strategies

The Senior Citizens Freedom to Work Act, passed in 2000, allowed seniors to continue working while receiving Social Security benefits.  This Act permitted Social Security benefits planning strategies that helped couples maximize their retirement income benefits.  These strategies were tied to the concept of a primary wage earner delaying the start of their benefits while a lower earning spouse or disabled child would begin receiving the spousal benefit or disabled adult child (DAC) benefit.  The advantage of delaying the start of benefits is that a higher monthly benefit is paid the later benefits are started. ...

What retirement spending rate is safe?

What retirement spending rate is safe?

When it comes to retirement spending, everyone wants a simple rule for how much of their savings they can safely spend every year.  For some, the goal is simply to not run out of money before they run out of breaths.  For others, the goal is to not spend below some amount they wish to leave as an inheritance.  Regardless of the goal, people approaching retirement seek the simple answer to what is the safe spending rate. ...

Calming Fears About Rising Interest Rates

Calming Fears About Rising Interest Rates

Ideally, wealth creation would proceed on a path of steady growth.  However, investment risks exist which require patience, conviction, and discipline in order for financial goals to be achieved.  While stock market volatility is expected, bond investing is traditionally considered to be less risky.  Ironically, a major investment challenge we currently are facing is the impact on bond investments in portfolios from rising interest rates in the months and years to come.  As interest rates rise, the prices of high quality corporate bonds, U.S. government bonds, and municipal bonds fall. ...

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