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Orlando Financial Advisor Firm Named A Best Place To Work Again

By Dan Moisand | April 27, 2020

Orlando Financial Advisor firm, Moisand Fitzgerald Tamayo, Named a 2020 Best Places to Work for Financial Advisers by InvestmentNews Orlando – April 27, 2020 – InvestmentNews has recognized Moisand Fitzgerald Tamayo, LLC as a 2020 Best Places to Work for Financial Advisers. Moisand Fitzgerald Tamayo (MFT) was chosen for the second time as one of…

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Decision making in the face of uncertainty

By Dan Moisand | April 13, 2020

Decision making in the face of uncertainty When markets rise or fall ten percent in a day and your account values oscillate by thousands of dollars along with those shifts, it is easy to become concerned about short term market behavior. Concern would be a perfectly normal reaction. However, what you do with your concern…

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How filing your 2019 tax return can affect your stimulus check

By Dan Moisand | March 31, 2020

File now or in July? The recently passed CARES Act includes a provision to send stimulus checks to eligible Americans and their dependents. Eligibility for stimulus checks is based on your most recently filed tax return. If your Adjusted Gross Income (AGI) was high in 2018, defined here as over $75,000 for a single filer or…

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Why and how markets recover

By Dan Moisand | March 20, 2020

Why and how markets recover Why the stock market has always recovered Since cases of Covid-19 have spread and panic has struck financial markets around the world, we have repeatedly pointed out the simple fact that stocks have always recovered. Today, we want to provide background on why markets have always recovered and what those…

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Can I buy real estate in my IRA?

By Dan Moisand | February 14, 2020

Can I buy real estate in my IRA? You cannot buy a personal residence in your IRA but you can buy other properties. For most people, it is either not practical or not a good idea. Here a few of those reasons: If the rules are not followed properly and a “prohibited transaction” occurs, the…

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Looking back and looking forward

By Dan Moisand | January 15, 2020

Looking back and looking forward The turn of the calendar is a natural time to reflect on the past year and look forward to the new year. We work hard to make this a special place for clients and our team and in 2019 our efforts were noticed more than ever. It seemed like every…

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Should I pay off my mortgage?

By Dan Moisand | December 16, 2019

Should I pay off my mortgage? One of the most common questions we get, especially as people near retirement is, “Should I pay off my mortgage?” From a purely conceptual standpoint it’s simple. If you can earn more on your money than you pay by borrowing, your net worth is better by NOT paying off…

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Can I convert a 401(k) to a Roth IRA?

By Dan Moisand | November 15, 2019

Can I convert a 401(k) to a Roth IRA? Before we look at whether you can convert a 401(k) to a Roth IRA, it is important to consider if a conversion to any type of Roth account is wise in the first place. When you convert to a Roth account, usually all of the amount…

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Moisand Fitzgerald Tamayo wins prestigious national award

By Dan Moisand | November 5, 2019

Moisand Fitzgerald Tamayo Recognized by Schwab Advisor Services with 2019 Trailblazer IMPACT AwardTM   November 4, 2019 – (Orlando) – Moisand Fitzgerald Tamayo, LLC was honored today by Schwab Advisor Services with the 2019 Trailblazer IMPACT AwardTM. The firm was recognized for its efforts to improve the quality of advice, raise the bar for ethics…

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Avoiding financial scams

By Dan Moisand | October 14, 2019

Avoiding Financial Scams People are concerned about cybersecurity and avoiding financial scams. This is of little wonder considering the headlines about data breaches and the rapidly changing technology. The explosion of digital communication has changed the medium but really hasn’t changed the techniques scam artists use. We invest a great deal of time, money, and…

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What does an inverted yield curve mean for your investments?

By Dan Moisand | September 16, 2019

What does an inverted yield curve mean for your investments? The short answer to this question is “almost nothing.” The longer answer is because our clients’ portfolios are well constructed, clients can use this episode to gain more confidence knowing they will make good decisions whenever bad markets arise. What is an inverted yield curve? Most…

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Should I buy or sell foreign stocks given today’s conditions?

By Dan Moisand | August 13, 2019

Should I buy or sell foreign stocks given today’s conditions? Today’s Q&A combines two related questions into one, “Should I buy or sell foreign stocks given today’s conditions?” The first question is from Lou, “I see that the PE ratios on foreign stocks are a lot less than with U.S. stocks. Should I be buying…

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Will the election cause a market crash?

By Dan Moisand | July 12, 2019

Will the election cause a market crash? On June 18, no one in our Orlando office came to work. They didn’t go on strike or play hooky – their absence was planned. Why would we not have anyone in the office? Because we were encouraged to stay away from downtown due to the increased traffic…

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Estate planning documents needed regardless of net worth

By Dan Moisand | June 14, 2019

Estate planning documents needed regardless of net worth There are several estate planning documents needed regardless of net worth. For the last few decades, the topic of estate planning has tended to focus on tax minimization. Just the word “estate” can evoke images of wealthy families making heirs “trust fund kids.” However, estate planning has…

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What do I do if I miss my required minimum distribution?

By Dan Moisand | May 15, 2019

What do I do if I miss my Required Minimum Distribution? Required Minimum Distributions (RMDs) are just that – required. The penalty for failing to take a RMD on time is 50% of the amount of the RMD. That’s one of the harshest penalties in the tax code. Miss a $20,000 RMD and you’ll owe…

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Orlando Financial Advisor Firm Named A Best Place To Work

By Dan Moisand | April 15, 2019

Orlando Financial Advisor firm, Moisand Fitzgerald Tamayo, Named a Best Place To Work for Financial Advisors by InvestmentNews Our firm has been fortunate to earn a number of accolades over the years. We’ve appeared multiple times on lists of top advisory firms by the likes of Financial Advisor magazine and the Financial Times. We’ve made…

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Managing investment taxes

By Dan Moisand | March 12, 2019

Managing investment taxes Managing investment taxes is an essential part of any good financial plan. For most clients, by far the largest expense incurred during their investment lifetime is income taxes. The goal of one’s tax planning should not be the avoidance of paying taxes per se, as few can do that. The goal should…

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Why is my charitable donation taxed?

By Dan Moisand | February 15, 2019

Why is my charitable contribution taxed? Well planned and executed charitable donations should result in tax savings. To get the maximum benefit, you must know the rules and how the accounting for donations works. This video Q&A is a great example. The inquirer knew the rule but not the reporting requirements. Making News… We frequently produce…

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What to expect from financial markets

By Dan Moisand | January 14, 2019

One of the keys to successful investing is understanding what to expect from financial markets. 2018 marked the first calendar year the Dow Jones Industrial Average dropped since 2015. On Christmas Eve, the S&P 500 Index (S&P) was 20% lower (excluding dividends) than its high point. The S&P tracks so-called “blue chip” stocks, stocks of…

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Five financial articles you should always ignore

By Dan Moisand | December 14, 2018

Five financial articles you should always ignore Quite simply, the best way to deal with the financial news media is to ignore them. This is easier said than done since the media is designed to provoke interest and build urgency. But interesting is not the same as important. …interesting is not the same as important.…

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Should I buy gold to protect against a dollar collapse?

By Dan Moisand | November 14, 2018

Should I buy gold to protect against a dollar collapse? No, you should not buy gold for fear of a dollar collapse. As the video discusses, this pitch is rubbish. Heck, you probably shouldn’t buy gold aside from coin collections and jewelry for personal use. Many unbiased experts don’t even consider gold an investment. Once…

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Introducing the MFT App for mobile devices

By Dan Moisand | October 12, 2018

Introducing the MFT App for mobile devices It wasn’t that long ago one would’ve needed to use a stack of printed statements and a financial calculator to determine the return on an investment. And, to find out how the market or an investment had behaved in the past, a trip to the library for historical…

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Lessons from the 2008 financial crisis

By Dan Moisand | September 14, 2018

Lessons from the 2008 financial crisis In September 2008, the brokerage firm Lehman Brothers collapsed due to risky trading in poorly designed securities. This kicked off one of the more dramatic financial crises in American history and what is now referred to as the Great Recession. The 10th anniversary of this event is a natural…

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With interest rates low, should I buy dividend paying stocks instead of bonds?

By Dan Moisand | August 14, 2018

With interest rates low, should I buy dividend paying stocks instead of bonds? No. Dividend-paying stocks are stocks not bonds and cannot be counted on to provide the stability good quality bond holdings have provided. Dividend paying stocks are every bit as risky as the rest of the stock market. Why? Dividend-paying stocks are a minority…

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