Advitica Financial Planning

11/21/2025

Somehow the internet found this excellent series from the 80's. Produced by Milton Friedman, this episode talks about the causes and cure for inflation, with many illustrative historical examples.

Inflation results when the amount of money printed or coined increases faster than the creation of new goods and services. Money is a ''token'' of the wealth...

10/21/2025

Often, but not always, waiting until age 70 to take your Social Security benefits makes sense. That's why it is important to dig in and analyze the numbers, to make sure your claiming strategy is the right one for you.

https://www.cbsnews.com/news/social-security-benefits-90-percent-americans-will-claim-before-70/

Financial pros recommend waiting as long as possible to claim your Social Security benefits. Most Americans say they're ignoring that advice.

05/16/2025

Transfer on death agreements can be a convenient way to transfer wealth, especially when they align with one’s overall estate plan, but they do have limitations and some unforeseen consequences. This article provides an excellent summary of the benefits and challenges of using a transfer on death provision with real estate.

Home equity has ballooned in recent years, but people who use a new way to pass it on can run into trouble

04/20/2025

Trade is important for our economy and to help us maintain high levels of employment. Let’s prioritize good relationships and friendships with other countries - it’s in everyone’s interest.

International economic integration will continue, with or without the U.S. — and China will benefit most.

12/03/2024

This

https://www.instagram.com/reel/DAKj2dxPCcy/?igsh=dmczanFrcXlzNWpp

08/19/2024

This news about USAA is so disappointing. If a company won't go to bat for its customers when fraud is systemic on their platform, it is probably time to take your business somewhere else. https://news4sanantonio.com/amp/news/local/usaa-members-regain-trust-after-recouping-losses-from-growing-bank-fraud-issues-san-antonio-texas-investigation-money-savings

One customer says fraudsters “were playing mind games” with his accounts.

08/10/2024

The Social Security tax torpedo is real but the impact is on a narrow band of income: single individuals with income between $25,000 and $34,000 and joint filers with income between $35,000 and $44,000. A good financial advisor will have software that can model your income to understand if you are effected by this quirk of the tax code and if there are ways you can reduce its impact.

The complicated way Social Security is taxed can catch middle-income earners by surprise.

08/02/2024

Are the recent market market swings a premonition of a big event? The financial press seems to want you to think so. But they don't know.

A better defense than trying to play roulette with stocks is to employ a diverse strategy that is more likely to have resilience in the face of various market environments. Of course with markets, there is no guarantee against loss!

The narrative on Wall Street is shifting.

08/01/2024

The Federal Reserve decided to keep rates where they are at their July meeting; however, the big news is they suggested they are likely to lower rates in September. Could be a good time to review the fixed income part of one's portfolio.

https://www.reuters.com/markets/us/fed-expected-hold-rates-steady-open-door-september-cut-2024-07-31/

The Federal Reserve will keep rates where they are, for now — but the first cut in four years is on deck.

07/11/2024

Charitable Giving would likely be helped if more people could take advantage of the tax benefits like the pandemic above the line deduction.

Did you donate to charity in the past, but no longer do so?

03/21/2024

This documentary does an outstanding job of highlighting some of the most important research in financial science. It should be a foundational part of everyone's investment education.

Thankfully it was done by Academy Award winning documentarian, Errol Morris (Fog of War) who makes it an intriguing and interesting film to watch.

Here's a link to the film, Tune Out The Noise. The password is MARKETSWORK

Tune Out the Noise is a film about how modern finance challenged Wall Street, leading to the founding of Dimensional and the evolution of client-focused advice.

03/16/2024

A very interesting development to how home transactions will play out. This could lead to more transparency in terms of the fees paid and will likely reduce the fees many home sellers pay as they won't be required to pay the buyer's portion of the commission. On the other hand, many homebuyers may be unable to purchase a home due to this additional cost.

https://www.wsj.com/economy/housing/realtor-commision-settlement-new-rules-explained-bc634645 #

Changes come after NAR settlement over claims that real-estate industry conspired to keep commissions high