For many years the only way to purchase cryptocurrencies such as Bitcoin has been through unregulated private exchanges. And investing in such digital assets has not been for the faint of heart. Aside from the extreme volatility of the assets themselves, the exchanges have suffered a number of high-profile failures. In 2022 alone Terraform, Celsius,…
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After dropping below $800 million at the start of the coronavirus pandemic, the total aggregate credit card balance in the U.S. soared to nearly one trillion dollars as of the end of March this year, according to the Federal Reserve Bank of New York. That’s a new record high and does not bode well for…
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How many times have you heard the phrase “This Time Is Different?” In the context of investing it usually means something fundamental has changed in the way capital markets operate. The implied consequence is that you can no longer rely on the way things worked in the past to make investment decisions about the future.…
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When it comes to equity investing, the difference between luck and skill is primarily a matter of consistency. If you choose to invest in a fund or ETF designed to passively track some stock market index you are practically guaranteed to get market returns. Of course you need to make sure to utilize funds that…
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For those unfamiliar with the term, a Roth conversion involves moving money from a tax-deferred traditional IRA (IRA) to a tax-free Roth IRA (Roth). You’ll pay taxes on the amount transferred but from that point on the amount will grow tax-free for the rest of your life (and even for ten years of a subsequent…
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I’ve written numerous articles over the years about strategies for maximizing your Social Security (SS) benefits. But the number one decision all retirees face is when to start taking payments. Which is better: to start as early as possible or to delay benefits for as long as you can? There will always be claimants who…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
Important disclosure information is also available at: https://adviserinfo.sec.gov/firm/summary/131037 and https://www.investor.gov/CRS.
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