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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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You’ve got this

By Dan Moisand | July 14, 2022

You’ve got this! Key Points: If watching the news gets you riled up, turn it off. If you can’t, try to remember they are stirring your emotions so you will tune in and they can sell more ads. Stocks often start to recover with an initial surge when things look awful. Diversifying among different types…

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Will a stock market decline kill my retirement?

By Dan Moisand | June 13, 2022

Will a stock market decline kill my retirement? Key Points: Those with a sound plan based on realistic goals and expectations who stay diversified, patient, and disciplined have little reason to worry that the stock market decline seen in 2022, or even declines much worse, will radically derail their retirement.   While the exact timing…

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Is now the time to move into dividend paying stocks?

By Dan Moisand | May 13, 2022

Is now the time to move into dividend paying stocks? With costs rising and interest rates up, is now the time to emphasize dividend paying stocks? We like dividend paying stocks as a permanent portion of a portfolio. But the question implies there is some aspect of dividend paying stocks that could make them a…

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Moisand Fitzgerald Tamayo named a “Best Place to Work”

By Dan Moisand | April 14, 2022

Moisand Fitzgerald Tamayo named a “Best Place to Work” Being recognized as among the best financial planners in the country has been a goal since the founding of what is now Moisand Fitzgerald Tamayo, LLC in 1998. Seeing that dream come to fruition is only possible if we give great advice that makes a difference…

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Inflation, interest rates, Putin and your portfolio

By Dan Moisand | March 11, 2022
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Will my tax return be processed quicker this year?

By Dan Moisand | February 14, 2022

Will my tax return be processed quicker this year? The 2021 tax filing season was the worst in memory. There was a slew of legislation creating Covid-related tax provisions that never existed before. Some of that legislation was passed late in the year leaving the IRS scrambling to adapt. This was very difficult given the…

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Emotional investing can be costly

By Dan Moisand | January 14, 2022

Emotional investing can be costly  Emotional investing is inferior to evidence-based investing. It’s a belief of ours that comes up in the very first conversation we have with a prospective client and one we repeat often. Recent times reinforce our belief. In many ways, it has been a rough couple of years. There has been…

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How to achieve and maintain financial independence

By Dan Moisand | December 15, 2021

How to achieve and maintain financial independence If you listen to a few famous success stories, you might get the idea that the best way to achieve financial independence is to start a tech company out of your garage. Who doesn’t like a good rags-to-riches story? Markets have been strong and as a result more…

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What are the new RMD rules?

By Dan Moisand | November 15, 2021

Have RMD rules changed? Required Minimum Distributions (RMD) are back in 2021 after a one year COVID-related waiver in 2020.  No changes were made this year to the Required Minimum Distribution (RMD) rules for IRAs, 401(k)s, 403(b)s and other retirement accounts but changes are coming in 2022. To determine the RMD for a given year,…

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How your tax rates can change

By Dan Moisand | October 14, 2021

How your tax rates can change As we enter the last part of 2021, Congress is debating a series of changes to the tax code. Whether you find the proposed changes disconcerting is largely a function of how the changes affect you specifically. From our perspective as advisors, changes in the tax code can alter…

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Should I invest in rental real estate?

By Dan Moisand | September 15, 2021

Should I invest in rental real estate? Owning rental real estate and collecting income has great appeal to many investors, partly since rental real estate is often presented as easy money. For some, their perception about the experience further adds to their enthusiasm. We often hear statements like, “My dad did well in real estate,”…

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Can I rollover mom’s IRA into my IRA?

By Dan Moisand | August 16, 2021

Can I rollover mom’s IRA into my IRA? Only a surviving spouse may rollover a deceased’s IRA account into their own IRA. After the SECURE Act of 2019, most non-spouse inheritors whose benefactors die in 2020 or later have only one requirement – the inheritor must take all the money out of the Inherited IRA…

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Every day is Independence Day at Moisand Fitzgerald Tamayo

By Dan Moisand | July 12, 2021

Every day is Independence Day at Moisand Fitzgerald Tamayo At the heart of the meaning of the word “independent” is the concept that one is free from the control of another. When we say we are independent, that is precisely what we mean. The firm receives all of its income directly from clients. There is…

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Six common misconceptions empty nesters have about retirement

By Dan Moisand | June 15, 2021

  Six common misconceptions empty nesters have about retirement We have been advising retirees and aspiring retirees for over 20 years. Recently a conversation occurred about what lessons retirees could teach aspiring retirees, especially those empty nesters who are zeroing in on retirement. What resulted from that conversation was a list of six common misconceptions…

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How do I protect my portfolio against inflation?

By Dan Moisand | May 17, 2021

How do I protect my portfolio against inflation? We pay more than double for most things we buy these days than we did 25 years ago. This loss of purchasing power, otherwise known as inflation, is a reality that investors must deal with prudently. Inflation is a fact of life. Inflation seems to be getting…

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What you do makes the difference

By Dan Moisand | April 14, 2021

What you do makes the difference One of the topics that comes up when we take on new clients is how they fared during prior market declines. The basic characteristics of their experiences are consistent, with differing degrees of fearfulness, anxiety, confusion, or other unpleasantness expressed. Each one of us was affected by COVID-19 in…

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How to make a lot of money in the financial markets – fast!

By Dan Moisand | March 11, 2021

The lure of making a quick buck playing the markets is strong and has been tempting people for centuries. From the irrational prices and speculative frenzy over tulips in 17th century Holland to day trading tech stocks in the late 90’s, the temptation to speculate is irresistible to some people. It seems relatively harmless. When…

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What does the recent stimulus package include?

By Dan Moisand | February 12, 2021

  What does the recent stimulus package include? The Taxpayer Certainty and Disaster Tax Relief Act of 2020 (TCDTRA) aka “Coronavirus Stimulus 2.0” passed Congress on December 21, 2020, as part of the 5,000+ page Consolidated Appropriations Act of 2021. It extends and amends various expiring tax provisions and has a number of provisions that…

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Moisand Fitzgerald Tamayo Appoints Kevin McDermott, CPA as Tax Manager

By Dan Moisand | February 10, 2021

FOR IMMEDIATE RELEASE Moisand Fitzgerald Tamayo Appoints Kevin McDermott, CPA as Tax Manager Will manage tax department of Orlando financial planning firm Orlando, February 10, 2021 – Moisand Fitzgerald Tamayo, LLC (MFT) announced today the appointment of Kevin McDermott, CPA to the position of Tax Manager. McDermott will join a team that prepares and files…

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Why 2020 was remarkable, yet normal

By Dan Moisand | January 14, 2021

Why 2020 was remarkable, yet normal  2020 was a year we will long remember for its remarkable events. We were affected by a global pandemic, a hard shut down of the economy, civil unrest, and one of the more emotionally charged elections in memory. From our investment management perspective, however, 2020 did not present anything…

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Tax planning for a Joe Biden presidency

By Dan Moisand | December 15, 2020

Tax planning for a Joe Biden presidency After every presidential election, attention turns to changes the new president wants to make to the tax code and how that may affect financial markets, as well as our clients’ specific financial situations and tax planning. With the results of the Senate still to be determined, uncertainty reigns.…

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Can Social Security be fixed?

By Dan Moisand | November 13, 2020

Can Social Security be fixed? Despite the fears stoked during an election year, Social Security is not going away. However, there is a need to shore up the system’s finances because according to the latest report from the Social Security and Medicare Boards of Trustees, the trust fund that supports retirement benefits is expected to…

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Tax-smart charitable giving

By Dan Moisand | October 19, 2020

Tax-Smart Charitable Giving Our clients are generous, and their charitable giving reflects their generosity. We love the opportunity to help clients reach their philanthropic goals while using tax-smart charitable giving strategies whenever possible. 2020 has presented hardships for many people and non-profits are stepping up to help. However, many charities are struggling because of fewer…

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