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Markets Discussion Video – Q3 2022

Mark, Erin and Louis recap market action over the most recent quarter and discuss what could be in store over the next several months.

Quarterly Investment Commentary – Q2 2022

MARKET RETURNS:  Global markets extended year-to-date declines during the second quarter as the Federal Reserve signaled it would prioritize fighting inflation over supporting economic growth.  Major stock market indexes fell by double-digits, bringing

Quarterly Investment Commentary – Q1 2022

MARKET RETURNS:  Global equities closed out a volatile first quarter of 2022 with mid-single digit declines, partially retracing 2021’s strong upward move despite recovering a bit from their intra-quarter trough.  U.S. large company stocks remained the

The Benefits Of a Home Equity Line of Credit (HELOC)

Overview A home equity line of credit, or HELOC, is a line of credit that is secured by your home. They’re most commonly used to cover the cost of home improvement projects, but they can have financial planning benefits beyond that. Here we’ll look at the

Real Estate Report for San Francisco, San Mateo, and Santa Clara Counties

Bay Area real estate prices have skyrocketed over the past 10 years. With prices having risen so much, many are starting to wonder if the upward trend can continue. In this report we’ll provide a summary of the Peninsula real estate market, covering the

After-Tax 401(k)s & The Mega Backdoor Roth

The benefits of saving in a “traditional” 401(K) can be powerful. By contributing pre-tax dollars you reduce your taxable income and will lower your tax bill (e.g., if you make $100,000 and contribute $15,000 to a 401(k), you are only taxed on

Should I Buy Real Estate with my IRA?

Did you know that it’s possible to buy real estate in an individual retirement account (aka your IRA)? Given that possibility, we’d like to walk through the rules and restrictions, as well as the pros and cons, of this option. The main benefit of

Donor-Advised Funds: Charitable Giving Under New Tax Laws

No matter how the 2017 Tax Cuts and Jobs Act (TCJA) may alter your tax planning, we believe one thing will remain: With or without a tax write-off, many Americans still want to give to charity. After all, financial incentives aren’t usually the main

2018 Tax Reform Summary

The “Tax Cuts and Jobs Act” was signed into law last week. We’ve reviewed the updated tax code and wanted to provide a succinct summary of the changes. Overall, the bill will cut taxes for approximately 75% of filers. But as always, the devil is in the

10 Security Red Flags to Watch Out For

September 2017 Protecting Your Personal Information In light of recent news of the Equifax Credit Reporting security breach, we want to share the following tips for protecting your personal information and recognizing potential financial scams on an ongoing

Reflections on a Happy New Year

January 2018 A Meaningful Year-End Message (2017) As we wish you and yours a Happy New Year, we’d like to take a moment to reflect on the timeless question: What makes you happy? You probably already realize that piles of possessions by themselves aren’t

Financial Best Practices

June 2018 Tax time is over, now what? Happy Spring! If you’re like most people, the first quarter of the year, in terms of your finances, tends to be focused on tax preparation but not much else. Now that tax season is over (whew!), one of the best presents

Summarizing Proposition 19 – Changes to Property Taxes

California voters recently passed Proposition 19. This new law goes into effect on February 16, 2021, and will increase property taxes on some California real estate over time. As a result of the changes we wanted to share a summary so you can plan

How the CARES Act May Affect You

Congress recently passed the Coronavirus Aid, Relief and Economic Security (CARES) Act. It provides more than two trillion dollars to state and local governments, public health institutions, businesses, and individuals, and is the largest economic stimulus in

How the SECURE Act Affects Your Retirement

Congress recently passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act. It changes some important aspects of retirement planning that may affect you. If you’re a client of Opes Wealth Management, we will account for the changes as

Quarterly Investment Commentary – Q3 2020

Market Returns: Global equity markets posted strong gains in the third quarter, coinciding with loosening economic restrictions around the world as many countries experienced improvements in case counts and fatalities from COVID-19. September saw a spike in

Quarterly Investment Commentary – Q2 2020

Market Returns: While the impact from COVID-19 on the economy was sharp and swift this past spring, so too was the sell-off and subsequent rally across many global investment markets. Although job losses have declined with the reopening of certain portions of

Quarterly Investment Commentary – Q1 2020

Market Returns: The economic impact from the COVID-19 global pandemic has been sharp and swift. Social distancing initiatives have been implemented across many countries in the industrialized world leading to immediate economic declines. As of this writing,

Quarterly Investment Commentary – Q4 2019

Market Returns: Global stocks delivered very strong returns in the fourth quarter which led to exceptional performance for stocks in 2019. The tensions brought by the trade war between the U.S and China looked to be easing late in the year which ignited a

Quarterly Investment Commentary – Q3 2019

Market Returns: Stocks delivered mixed results last quarter as international stocks lost ground while U.S. stocks posted gains. Stock price volatility rose in August as renewed trade war fears emerged between the U.S. and China as both threatened new tariffs.

Quarterly Investment Commentary – Q2 2019

Market Returns: Global stocks generated solid results in the second quarter characterized by a negative month of returns in May bookended by positive months for both April and June.  Concerns regarding trade negotiations between the U.S. and China ramped up

Quarterly Investment Commentary – Q1 2019

Market Returns : Global markets rebounded nicely in 2019’s first quarter from last year’s poor performance as investors bid up risk assets on better news. Global stocks surged, led by the U.S. equity markets which were helped by the Fed’s announcement

Quarterly Investment Commentary – Q4 2018

Market Returns: Global stocks generated losses in 2018 as the year was marked by bookend spikes in volatility in both the first and last quarters. Interestingly, the drivers of what caused prices to drop in the first quarter contrasted with the concerns which

Quarterly Investment Commentary – Q3 2018

Quarterly Investment Commentary October 2018 MARKET RETURNS: The third quarter provided U.S. stock investors another period of solid results. The U.S. economy’s forecasted growth rate of 3.8% for the third quarter, although lower than the second quarter’s

Quarterly Investment Commentary – Q2 2018

July 2018 Market Returns: The second quarter of 2018 was a smoother ride for investors after the volatility spikes experienced in the first quarter. The U.S. economy is on solid footing helped by tax cuts, growing consumer sales, and the drop in the

Quarterly Investment Commentary – Q1 2018

April 2018 Market Returns: The first quarter of 2018 provided a bumpy ride for investors with volatility returning after the relatively smooth 2017 experience. Early February concerns regarding increased inflation pressures sent both stocks and bonds lower.

Quarterly Investment Commentary – Q4 2017

January 2018 Market Returns: Global stocks finished the year on a strong note as global economic growth was the broadest across countries in a decade.  U.S. stocks gained 22% on the possibility and eventual passing of tax reform (which included a drop in

Quarterly Investment Commentary – Q3 2017

October 2017 Market Returns: Global stock markets rose in the third quarter, continuing the trend of gains made in the year’s first half, as investors shrugged off geopolitical tensions with North Korea and prospects for tighter monetary policies by the

Quarterly Investment Commentary – Q2 2017

July 2017 Market Returns: Global stocks continued their climb this last quarter, extending gains made in the year’s first three months as economic data supported improved prospects for global growth. U.S. stocks saw positive returns as investors shrugged