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Can I contribute to an IRA?

By Dan Moisand | February 13, 2017

IRAs 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…

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Looking Back at 2016 and Forward to 2017

By Dan Moisand | January 17, 2017

Looking 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…

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How We Show Our Undivided Loyalty to Our Clients

By Dan Moisand | December 16, 2016

Fee-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…

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Why Charitable Giving from Your IRA is Tax Smart

By Dan Moisand | November 14, 2016

  IRAs 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…

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4 Common Causes of Investor Disappointment

By Dan Moisand | October 14, 2016

  As 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…

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Cybersecurity: What You Need to Know

By Dan Moisand | September 13, 2016

  When 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…

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Does your estate plan need more than just a will?

By Dan Moisand | August 11, 2016

  Does 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…

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What Moisand Fitzgerald Tamayo Thinks About the Brexit Vote

By Dan Moisand | July 12, 2016

  Before 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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Moisand Fitzgerald Tamayo, LLC Named One of America’s Elite Firms by the Financial Times

By Dan Moisand | June 30, 2016

Financial Times Names Moisand Fitzgerald Tamayo, LLC One of America’s Elite Investment Advisor Firms FOR IMMEDIATE RELEASE June 30, 2016 (Orlando, FL) – The Financial Times named Moisand Fitzgerald Tamayo, LLC a financial planning and wealth management firm in Orlando to its list of the Top 300 independent Registered Investment Advisors in America. Said FT,…

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Why Many Mutual Fund Investors Get Poor Results

By Dan Moisand | June 14, 2016

The personal finance media likes to celebrate people who have beaten the market – precisely because so few manage the feat. There is little mystery as to why this happens.  No one can buy anything unless there is a seller on the other side of the transaction. All buys are matched with sells but because…

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From which account should I pay off my mortgage?

By Dan Moisand | May 12, 2016

  Many people want to pay off their mortgage. That begs the question, “From which account should I pay off my mortgage?”   Making News… We produce regular Q&A columns for Florida Today 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 the last three months.…

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What if this is a “bad” time to invest?

By Dan Moisand | April 13, 2016

  What if this is a bad time to invest? There are many things happening in the world today which one can be concerned about. The terrorist attacks in Paris and Brussels remind us there is evil in the world. On a more personal level, life can present a myriad of challenges. It is not…

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Which presidential candidates will be good, or bad, for the markets?

By Dan Moisand | March 14, 2016

  We should all treasure our right to vote and exercise that right with great forethought. You, our clients, are intelligent, well-educated, patriotic Americans who want the best for this country. Many of you risked your lives or lost loved ones to preserve our democracy. This election is important. We are confident you will cast…

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What are you telling nervous clients to do now?

By Dan Moisand | February 10, 2016

  With the world’s stock markets having a rough start to 2016, the most common question of late from business and personal finance reporters has been, “What are you telling nervous clients to do now?”   Making News… We produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as…

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Why stay in one fund when another is performing better?

By Dan Moisand | January 13, 2016

  For the last few months, the dominant story in the financial media was predicting when the Federal Reserve would raise its target interest rates. On December 16th, it finally happened and the Fed announced a ¼% increase. Over the last several years, an increase in rates has largely been presented as some evil specter…

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Why rebalancing can help when markets decline

By Dan Moisand | December 15, 2015

Markets are quick to react to change and current events causing them to rise and fall frequently and sometimes substantially. This summer’s double digit decline in U.S. stocks is just the latest example. Such swift declines can add to a sense of chaos and make investors uneasy. As chaotic as markets can be, if we…

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Major changes to Social Security: How do they affect you?

By Dan Moisand | November 13, 2015

Making News… We  produce regular Q&A columns for Florida Today 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 the last three months. Here we discuss major changes to social security. Make a plan before required minimum distributions kick in How to avoid penalties on early…

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Should I be concerned about recent market behavior?

By Dan Moisand | October 13, 2015

Major market related news this quarter included the increased volatility of stocks in reaction to happenings in China and speculation about whether or not the Federal Reserve would raise interest rates. The Chinese stock market had been on a tear. In August, the Chinese government thought the economy was not growing fast enough so it…

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Why investng in global markets is important

By Dan Moisand | September 15, 2015

In times of calm, the rationality of a prudent, long term strategic plan is pretty obvious. However, we can easily be forced out of our comfort zone in the face of unpleasant news. The summer of 2015 is the latest in an extensive list of time periods which provided ample opportunity for short term concern…

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Is it better to leave a 401(k) account with a former employer or roll it over to an IRA?

By Dan Moisand | August 14, 2015

Making News… We  produce regular Q&A columns for Florida Today 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 the last three months. How a mutual fund sale might affect your taxes Is a long-term-care/life-insurance combo better than a straight one? When RMDs start for workers…

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Investments to avoid when interest rates rise

By Dan Moisand | July 13, 2015

  We proactively seek out the best investment vehicles for our clients’ portfolios. To spur new sales, Wall Street is constantly creating new products or repackaging existing ones, so our search is ongoing. Sometimes their products are useful innovations but most of the time that is not the case, such as in the bond market.…

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Can you count on Social Security?

By Dan Moisand | June 12, 2015

Many times in life, we find ourselves riled up about a rumor we hear which may or may not be true. Rumors, not facts, raise our blood pressure and make us angry, fearful or worse.  Headlines such as “Financial Outlook Dims For Social Security” and “Social Security Slipping Closer To Insolvency” may have this effect…

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Can I just live off interest?

By Dan Moisand | May 14, 2015

Making News… We  produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine, the Journal of Financial Planning, and Nerd Wallet among others. Here is a sampling from the last three months. How nonworking spouses can contribute to IRAs Investors, remember, trading is not investing How inheriting an IRA affects…

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6 Tax Planning Strategies for Better Investment Returns

By Dan Moisand | April 13, 2015

A mistake we see prospective clients make is not spending enough time tax planning. Their tax planning is usually done after their taxes are filed, if at all. Taxes represent one of the largest drains on a family’s financial assets so managing its effects is important. “Manage” is a good word for what we do.…

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