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The election and your investments

By Dan Moisand | June 14, 2024

The election and your investments The season many in our county dread is upon us. Even though most often no damage will occur, it’s hard to stop ourselves from wondering if this will be one of those times when our lives will be altered by outside forces. We’re not talking about hurricane season – although…

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When does the 60-day period for IRA rollovers start?

By Dan Moisand | May 15, 2024

When does the 60-day period for IRA rollovers start? Today’s question comes from Mike in Celebration, FL. “I want to do a rollover from one IRA to another. I read I have 60 days to get it done but no one mentions when that 60-day rollover clock starts. Is it when the check is cut…

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Most Common Investing Mistakes

By Dan Moisand | April 15, 2024

Most Common Investing Mistakes A recent conversation with the son of a client and a new college graduate prompted a question we decided to pose to all our advisors. We asked Charlie Fitzgerald, Ron Tamayo, Derrick Chandler, Mike Salmon, Tommy Lucas, Ryan Osborne, DJ Hunt, and Brad Brescia, all CFP® professionals, “What are the most…

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Important tax changes for 2024

By Dan Moisand | March 14, 2024

Important tax changes for 2024 Every year, there are changes to laws that affect our taxes. In our January newsletter, we outlined the new 2024 tax brackets which are adjusted annually based upon inflation factors. If your taxable income (gross income less deductions) is exactly the same in 2024 as it was in 2023, your…

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How can I get my tax information to my preparer securely?

By Dan Moisand | February 15, 2024

How can I get my tax information to my tax preparer securely? Tax season is upon us once again, and if you use a professional to prepare your taxes, they may have reached out to request your tax information and documents. Your most personal data is on these forms and might include your name, your…

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Do spikes in the national debt cause market crashes?

By Dan Moisand | January 12, 2024

 Do spikes in the national debt cause market crashes? It’s an election year. Hang on to your hats! Every four years, we hear from both sides of the aisle about the terrible things that are sure to happen to us and to our country if the candidate from the other party wins the Presidency.…

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Why true investors don’t worry about their portfolios on Election Day

By Dan Moisand | December 14, 2023

 Why true investors don’t worry about their portfolios on Election Day A recent study by asset management firm Janus Henderson indicated that half of those surveyed are “very concerned” about the 2024 U.S. presidential election. Only a third of those surveyed are highly worried about inflation, the possibility of a recession, or higher interest…

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How do higher interest rates affect personal finances?

By Dan Moisand | November 13, 2023

How do higher interest rates affect personal finances? The most obvious effects of higher interest rates are that savers earn more interest income and borrowers pay more interest due to higher rates on loans, such as mortgages. But how else can higher interest rates affect personal finances? Our team came up with a few notable…

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Moisand Fitzgerald Tamayo, LLC named to list of America’s top 250 independent financial planning and wealth management firms by Forbes

By Dan Moisand | October 27, 2023

FOR IMMEDIATE RELEASE Moisand Fitzgerald Tamayo, LLC named to list of America’s top 250 independent financial planning and wealth management firms by Forbes Orlando, October 26, 2023 – Forbes has named Moisand Fitzgerald Tamayo, LLC (MFT) to its 2023 list of the 250 Top RIA firms in America. MFT serves financial planning and wealth management…

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What do high valuation differences in the market mean for your portfolio? 

By Dan Moisand | October 12, 2023

What do high valuation differences in the market mean for your portfolio?  One way to characterize stocks is by the ratio of its price to earnings. The stock of companies that have high expected growth rates naturally sell for higher prices. These stocks are often referred to as “growth stocks.” However, an investor’s return is…

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Does stock-picking work?

By Dan Moisand | September 14, 2023

Does stock-picking work? Stock-picking, the practice of selecting individual stocks to outperform the market, is far easier said than done. It is mathematically impossible for the average stock picker to beat a buy-and-hold investor in the same stocks. Compared to their benchmarks, most stocks return less and are far more volatile. The empirical evidence is…

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Is there a downside to diversification?

By Dan Moisand | August 14, 2023

Is there a downside to diversification? Which would you have rather owned A or B?  A lost an average of almost 1% per year for the decade January 2000-Decemeber 2009 but returned almost 13% per year from January 2010 through June 2023. Cumulatively, A averaged a 6.84% annual return for the period January 2000 through…

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Moisand Fitzgerald Tamayo marks 25 years!

By Dan Moisand | July 14, 2023

Moisand Fitzgerald Tamayo marks 25 years! 2023 marks the 25th anniversary of the founding of our firm. Reflecting back on these years brings a sense of pride for sure but the overwhelming emotion is one of gratitude. Instead of working for a financial services company and getting paid to sell their products, we decided to…

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What “The Sting” Can Teach Us About Scams

By Dan Moisand | June 14, 2023

What “The Sting” Can Teach Us About Scams Key Points: Scams are being carried out in more sophisticated ways. Technology both protects us and makes scam artists more effective. Diligence, proper “digital hygiene,” adherence to processes and protocols, and skepticism remain the primary tools to protect ourselves from scams. Scams have been around a long…

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When are Roth IRA distributions taxable?

By Dan Moisand | May 15, 2023

When are Roth IRA distributions taxable? From Ken in Satellite Beach: I thought once you turned 59 ½ Roth IRAs are tax free but a 63 year old co-worker insists he had to pay some tax last year when he withdrew from his Roth IRA. What gives? Ken, it is possible to owe taxes on…

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Managing risk

By Dan Moisand | April 14, 2023

Managing risk Some of you may have been concerned about the recent failure of Silicon Valley Bank (SVB) and any ripple effects on the banking system and the stock market. Before we get into the risk management lessons of SVB, we want to make sure our clients understand that their assets with us are secure.…

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What you need to know about tax extensions and new tax rules

By Dan Moisand | March 3, 2023

What you need to know about tax extensions and new tax rules Many taxpayers will not file their 2022 tax returns by the April 18, 2023 deadline. Done properly, such taxpayers can receive a six-month extension of time to file and avoid any interest charges or penalties from the IRS. What does “done properly” mean,…

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Was “Always be diversified” the most important lesson from 2022?

By Dan Moisand | February 13, 2023

Was “always be diversified” the most important lesson from 2022? 2022 presented several useful investing lessons. The news was full of reports about high inflation, yet many assets that were supposed to be good hedges against inflation were down. This is an example of how it is wise to expect the unexpected. Nonetheless, while there…

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Everyone is a temporary owner of their assets

By Dan Moisand | January 13, 2023

Everyone is a temporary owner of their assets    We have all heard the adage, “You can’t take it with you.” At some point, everything we own will be inherited by someone. But for as long as we own our assets, we get to choose how they are used and eventually who will be the…

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How inflation may reduce your tax bill for 2023

By Dan Moisand | December 14, 2022

How inflation may reduce your tax bill for 2023 Thanks to inflation, reducing your tax bill in 2023 may be easier than you think. All things being equal, lower inflation readings are preferred but there are aspects of higher inflation readings that work in your favor. And inflation-induced tax savings can help offset inflation’s higher…

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How do I make charitable donations from my 401(k)?

By Dan Moisand | November 14, 2022

How do I make charitable donations from my 401(k)? Direct donations from a 401(k) to charity on a tax favored basis are not possible. However, direct donations to charities from IRAs, called Qualified Charitable Distributions, are permitted. There are a few requirements to make those donations completely tax-free, chief among them is you must be…

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The latest from Washington, D.C.

By Dan Moisand | October 14, 2022

 Before we get to the personal finance related happenings from Washington D.C., we wanted to take a moment to send our thoughts and prayers to our fellow Floridians. The devastation from hurricane Ian is incredible. While the storm weakened as it passed across Florida, it was still quite capable of causing damage. If you…

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Does it matter if we go into a recession?

By Dan Moisand | September 14, 2022

 Does it matter if we go into a recession? Key Points: Determining when an economy goes into and out of a recession is difficult and requires hindsight. Making economic forecasts such as the start and end date of a recession is not likely to improve investment results. Recessions are not problematic for most people…

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With the Fed raising rates, how high will rates go?

By Dan Moisand | August 12, 2022

 With the Fed raising rates, how high will rates go? The media keeps front and center the issue of how many interest rate increases by the Federal Reserve are coming and how high those increases will be. However, no one knows for certain how far up interest rates might go. The interest rates for…

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