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Moisand Fitzgerald Tamayo, LLC
Invest, don’t speculate. We have made that admonition more than a few times over the years and it is usually followed with information or insights on investing. But today, we want to talk about speculation and more importantly, what effect speculation has on one’s financial security. “Invest, don’t speculate” is a simple mantra yet…
Read MoreWith two one-day declines of 1,000+ points in the Dow Jones Industrial Average recently, the media is full of people asking and answering the question, “What will the market do now?” It is an intriguing question, but for true investors, it is not a question that requires an accurate answer. What will the market do…
Read MoreMaking Sense of the New Tax Laws That’s right “laws.” Plural. A bill was passed last fall (and largely overlooked in the media) which was written specifically to help anyone in areas affected by hurricanes Harvey, Maria or Irma. If you pay to repair damage from those storms by the end of 2018, tell…
Read MorePros and Cons of 529 College Savings Plans Paying for the college education of a child or grandchild is one of the most common goals of families we serve. There are several ways to fund this effort, but one of the most popular is a Section 529 College Savings Plan. 529 plans are named…
Read MoreWith so much uncertainty surrounding tax proposals, many are asking, “How can I do tax planning when the tax code is about to change?” You might also enjoy these tax related posts for year-end planning: Year-end financial planning An outline of the basic strategy mentioned in the video above. Should you donate shares or cash? For the…
Read MoreWith hurricane Irma in the rear-view mirror, it is once again clear there is value in being prepared for rough times. And since we’ve experienced hurricanes many times before, we know what to expect and how to prepare. A week before the storm, we start to pay close attention to the “cone of uncertainty”…
Read MoreWhat to do about the Equifax data breach While many of us were dealing with hurricane Irma, Equifax had its own disaster affecting 143 million Americans. Equifax is one of four credit reporting agencies which collect and report information about your bill payment history, current debt, known addresses and other financial information. Apparently, hackers accessed…
Read MoreClient Service Manager/Receptionist • Provide customer service support and serve as a point of contact for wealth management clients of a financial planning firm. • Process and oversee all aspects of client relationship: opening accounts, account maintenance, requests for funds, and account transfers/rollovers and maintain client contact database. • Direct incoming phone calls and greet/assist…
Read MoreMost people own more than one home during their lives. How is the sale of a house taxed? Making News… We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and others. Here is a sampling from the last three months. How an investment loss reduces…
Read MoreMoisand Fitzgerald Tamayo, LLC Again Named an Elite Firm by the Financial Times: We are pleased to share that for the second straight year, the Financial Times has named Moisand Fitzgerald Tamayo, LLC as one of America’s top 300 independent Registered Investment Advisor firms. We take pride in the quality of our team and find…
Read MoreOrlando Fee-only Financial Planning and Wealth Management Firm Recognized for Its Investment Advice Operations FOR IMMEDIATE RELEASE June 27, 2017 (Orlando, FL) – The Financial Times named Moisand Fitzgerald Tamayo, LLC a fee-only financial planning and wealth management firm in Orlando and Melbourne, Florida to its list of the Top 300 independent Registered Investment Advisors…
Read MoreHow to avoid gift taxes We have received several inquiries this year from clients who want to make a financial gift to a family member but were concerned about gift taxes. For most U.S. citizens, even if the gift is large, the answer to the question, “How much is the gift tax?” can be “not…
Read MoreExchange Traded Funds (ETFs) receive a lot of coverage from the press covering markets but are ETFs any good? Making News… We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and others. Here is a sampling from the last three months. Lump sum pension or…
Read MoreAssessing the “Trump Bump” – What to Do Now Recently, several clients have called to ask something like, “The markets have run up a lot. Should we have more in stocks?” Since the election, stocks have had a nice run. The typical explanation for this is that President Trump campaigned on change and the market…
Read MoreHow do currency fluctuations affect investments? Politicians have been promising to make America stronger long before Donald Trump was born. Sometimes these calls for strength are applied to our currency in the form of strong dollar policies. “Strong” sounds better than “weak.” Yet, President Trump has been vocal about his distaste for the Chinese efforts…
Read MoreIRAs can be great for accumulating funds for retirement and knowing the rules can give their use even more impact. Making News… We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and Investopedia among others. Here is a sampling from the last three months. When retirement…
Read MoreLooking back at 2016: A Year to Remember Donald Trump is going to be president and the Chicago Cubs are World Champions. And once again, financial markets did some notable things as well. 2016 will be hard to forget. 2016 provided several fitting examples of why we preach against trying to move money around in…
Read MoreFee-only financial advisor and fiduciary for all clients at all times As a fee-only financial advisor and a fiduciary for all clients at all times, we eliminate the most pervasive conflict of interest in financial services…receiving compensation from third parties. This fosters trust, something we need more of these days. Wow! That was quite an…
Read MoreIRAs can be great for accumulating funds for retirement but distributions often cause taxation. For retirees that are charitable, IRAs can be a tax smart source of funds. Making News… We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and Investopedia among others. Here is…
Read MoreAs we have taken on new clients over the years, many have come to us in part because their expectations regarding their investments were not met. It would be easy to simply say, “No problem. Our firm can do better.” But that approach is flawed because unless we can diagnose why the client’s expectations…
Read MoreWhen a reporter asked renowned bank robber, Willie Sutton, why he robbed banks, Sutton famously quipped, “Because that’s where the money is.” We at Moisand Fitzgerald Tamayo, LLC invest a considerable amount of time and money on our systems, processes, and procedures to keep your information secure. It is important to note should our…
Read MoreDoes your estate plan need more than just a will? Many people think estate planning is for the rich so a simple will is adequate. Making News… We frequently produce Q&A columns for Florida Today, Investopedia and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine and Nerd Wallet among others. Here is a sampling from…
Read MoreBefore we get into what Moisand Fitzgerald Tamayo thinks about the Brexit vote, we wanted to share some news. We are pleased to share that the Financial Times has named Moisand Fitzgerald Tamayo, LLC to their FT 300 list as one of America’s top 300 independent Registered Investment Advisor firms. We take pride in the…
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What financial records should be kept and for how long?