If you have an investment account at a brokerage firm, chances are you’ve encountered a risk tolerance questionnaire. Such a document purports to determine how comfortable you are with investment risk. Questions range from the simple – “Are you investing primarily for income or for growth?” – to the sublime – “If you are offered…
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Conventional wisdom has it that young investors should allocate a large portion of their savings to stocks – a high return, high risk asset class – when they first start investing their savings, and then slowly reduce their stock allocation as they approach and then surpass retirement age. By the time they reach their eighties,…
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Since we’re approaching the end of another fiscal year, this is a good time to start developing your tax strategies. Here are five tips to consider. Try to avoid selling investments that you have held for less than one year. The gains on such investments are taxed at the short-term capital gains tax rate, which…
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I received a call last year from a woman who’d sounded desperate. “I was just offered an early-retirement package from my company,” she’d said, the words rushed from anxiety, “and I’ve got two weeks to make a decision. Can you help me?” I had groaned inwardly, imagining the late nights ahead struggling to collect the…
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You’re probably familiar with mutual funds. They are arguably the most common type of investment choice for 401(k) and other retirement accounts. Exchange Traded Funds (ETFs), by contrast, have only been around since the early 1990s, and have not yet found their way into very many retirement plan menus. But they are widely available for…
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The Federal Reserve just released its quarterly financial accounts report. Household net worth – which includes Americans’ home values and savings, less liabilities such as mortgages and credit card debt – rose to $74.8 trillion. We are now, according to this measure, wealthier than at any point in history. And we’re $6.7 trillion wealthier than…
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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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