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How Still To Get Charitable Tax Deductions

As a result of the passage of the Tax Cuts & Jobs Act in 2017, taxpayers (especially in California) may find themselves losing some of the deductions they used to get for charitable contributions on their 2018 taxes. Let’s use a simple example to explain this. Suppose you are...



The Wrong Way To Invest In Bonds

Most 529 and 401(k) plans offer a pretty broad range of U.S. stock mutual funds. There are large cap funds, small cap funds, value and growth funds, actively managed vs. passively managed funds, and occasionally even industry sector funds. When it comes to bond funds, however, most plans limit...



Thoughts On Yesterday’s Market Decline

Once again the capital markets are exhibiting a high degree of volatility. Yesterday the Dow fell 799 points, representing a 3.1% decline. The media attributes the loss to new uncertainty over the alleged trade “agreement” reached with China in Buenos Aires last week that had been touted so positively...



Maximize Social Security Survivor Benefits

Prior to the passage of the Bipartisan Budget Act of 2015, Social Security (SS) benefits were quite generous for married (and even for divorced) couples, particularly for those with dual incomes. Spouses were not only entitled to benefits based on their own earnings, but also based on their spouse’s...



Social Security Is Lagging Inflation

Social Security is one of the few retirement pensions whose annual payments increase over time based on actual inflation. Few other private or public pensions provide this valuable benefit. Neither do annuities. Unfortunately, the cost of goods and services that seniors predominantly face has collectively risen faster than the...



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Cognizant Wealth Advisors is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempted.