Montgomery Wealth Advisors

10/26/2022

It’s Medicare season! Check out this piece by Jonathan Nida!

Government programs are complicated. Healthcare is complicated. Government healthcare programs are incredibly complicated. Enjoy this simple Medicare overview.

05/18/2022

https://www.nmwealthadvisors.com/blog/risk-review-reinvestment-inflation-horizon-longevity-and-foreign-investment

In the final installment of our risk review, we’ll discuss reinvestment, inflation, horizon, longevity, and foreign investment risks.

04/25/2022

Risk is any situation that involves exposure to danger. Risk is present when dining in a restaurant—the food could be tainted. Risk is present in a morning commute—a poor driver could cause an accident. These risks are known and either accepted or mitigated.

Risk is any situation which involves exposure to danger. Risk is present when dining in a restaurant—the food could be tainted. Risk is present in a morning commute—a poor driver could cause an accident. These risks are known and either accepted or mitigated.

04/21/2022

Many employers offer retirement plans for their employees. These plans allow employees to make pre-tax contributions—lowering their taxable income for the year.

04/11/2022

As tax time approaches once again, many investors are wondering whether they might have planned a more tax-efficient strategy. Effective tax planning begins well before taxes are due in April. Today, we’ll look at the capital gains rates for 2022 and some strategies for capitalizing on those rates.

As tax time approaches once again, many investors are wondering whether they might have planned a more tax-efficient strategy. Effective tax planning begins well before taxes are due in April. Today, we’ll look at the capital gains rates for 2022 and some strategies for capitalizing on those rates...

04/04/2022

Hey HCA Friends! Are you participating in your company's ESPP?

All HCA employees have access to an Employee Stock Purchase Plan (ESPP). The ESPP offers employees the opportunity to have money withdrawn from their regular paychecks (after taxes) to be used to purchase HCA stock.

03/21/2022

Great thoughts on financial rules of thumb!

The 6-month emergency fund. This rule states that one of the first steps to getting a financial house in order is establishing an emergency fund totaling at least 6 months of expenses. Some advisors and gurus even suggest taking this step before (or in conjunction with) investing in work-sponsored r

03/16/2022

Tax season is a great time to evaluate your various strategies. Roth Conversions...yay or nay?

Roth individual retirement accounts (Roth IRAs) are a great tool for investors. They are funded with after-tax dollars and can be grown and withdrawn tax-free. Those who are unable to make a full contribution because of their high income can still utilize a Roth IRA conversion, sometimes called a .....

03/07/2022

What do you base your financial plan upon? What drives the decisions you make between now and retirement? We propose, process-based planning. What's that? Glad you asked!

For the vast majority of investors, return is not the only goal of their financial endeavors, it is a means to the end–reaching their financial goals. Investors look at their willingness, ability, and need to take equity risk and assemble their portfolios accordingly.

02/22/2022

Have questions about inflation?

Inflation has become a very hot topic of late. Fueled by stimulus checks and pent-up buying impulses, we’ve entered a time of inflation after a period when inflation was basically flat for a number of years. This post will discuss what inflation is, what it affects, and how its effects can be miti...

02/14/2022

The most common question in retirement income planning is "What's my number?" This rule of thumb seeks to answer that question...but does it work?

The most commonly asked question in the world of personal retirement planning is: “What’s my number? How much do I need to save in order to fund my retirement?” The 4% rule attempts to answer this question.