Major Biden, Dog Training, and Financial Planning If you know me, you know I love dogs. My wife and I have been together 15 years this year, and we have always had a dog, and actually other than for maybe a year total we have always had 2 dogs. Currently we have 2 black labs,...Read More

By David Ruff CFA, Global Portfolio Manager Given the seemingly national obsession with Bitcoin I’ve had to become more of an expert on the king of digital coin and other cryptocurrencies like Ethereum, Ripple, Litecoin, Tether, and Dogecoin.  Equity investing is the heart of my comfort zone, but my colleague Randy Coleman’s commentary Is It Really...Read More

Fear of Missing Out (FOMO) If you ask any of my friends, many of whom are clients and reading this right now, they will tell you I suffer from an extreme case of FOMO. Fear of missing out. I have passed it along to my daughter who will hold her eyelids open rather than go...Read More

Taxes, Taxes, Taxes Do you remember your first job? Mine was at CVS, stocking shelves at first and eventually as a cashier. I remember coming home with my first pay check, absolutely beaming. I opened it with my father, and promptly asked “what the heck is FICA and why is it taking all of my...Read More

There is no such thing as a free lunch We have all heard the saying before, but what does it REALLY mean? This is the first economic lesson I ever remember, and I learned it in my 9th-grade history class with Mr. Quigley. I find myself repeating the phrase to my children constantly these days,...Read More

HELP MY TAXES ARE GOING UP!!! President-elect Biden has been inaugurated and gets a name change. Now he is simply President Biden, and with that comes with it more questions than answers. The major question I keep hearing is more of a statement……” help my taxes are going up!!!” Two weeks ago, I broke down...Read More

Inflation and the Tooth Fairy My 6-year-old daughter (Priya) lost her first tooth yesterday, and couldn’t have been more excited. She proudly held it up for all of us to see, and promptly asked her brother (AJ) how much money the tooth fairy gave him for his last lost tooth. The tooth fairy had left...Read More

Are my taxes going up? In a little over a week this nightmare of an election season will be over. A new president will be inaugurated, with new policies and different views on what is right for America than our last president. You may agree or disagree but there is no changing the inevitable and...Read More

New Year, New You, Same Market The start of January and a new year always brings with it the feeling of a clean slate. A chance to alter the direction of the path you’re currently on. Many will make resolutions like spend more time with family, or drink more water. The idea of a clean...Read More

by ACM Wealth ACM Wealth Administrator The 2017 Tax Cuts and Job Act limited the deductions for state and local income taxes (SALT) to $10,000.  As a result, many taxpayers began to use the “standard deduction” as opposed to itemizing deductions for federal income tax purposes. This further limited the benefit of charitable deductions to taxpayers...Read More