Posts by Mo Mozuch
Investing for Beginners
Overweight vs. Underweight Stocks: Pros and Cons, Examples
When building an investment portfolio, understanding the concepts of overweight and underweight stocks can significantly impact your strategy and returns. These terms refer to how investors or fund managers allocate assets relative to a benchmark index. An overweight position means you hold more of a particular stock than the benchmark suggests, indicating confidence in its… read more…
Retirement Planning
Is There Anything Better Than an Annuity for Retirement?
Annuities are often marketed as a retirement solution because they offer guaranteed income streams that can last a lifetime. However, there are several factors to consider whether an annuity is truly the “best” option. It depends on your financial situation, income needs, risk tolerance and long-term goals. For many, the most effective strategy may combine… read more…
Retirement Planning
5 Strategies to Convert Retirement Assets Into Income
Saving for retirement is only half the battle. Once you leave the workforce, you’ll need a plan for turning your assets into a reliable income stream. Managing how you draw down your nest egg can be just as important as building it. For many retirees, creating sustainable, tax-efficient income is a challenge. Especially while adapting… read more…
Retirement Planning
When Can You Retire If You Were Born in 1959?
If you were born in May 1959, you are turning 66 in 2025. This puts you right at the doorstep of traditional retirement age. When you can retire depends on your Social Security eligibility, Medicare enrollment and, most importantly, your financial readiness. While age 66 is often associated with retirement, full retirement age (FRA) for… read more…
Retirement Planning
How Much Money Does a Couple Need to Retire?
Planning for retirement as a couple adds another layer of complexity to what’s already an important financial goal. If you’re asking, “how much money does a couple need to retire?” then you’re likely trying to support a comfortable lifestyle for two. No two couples are alike, but there are benchmarks and planning strategies that can… read more…
Tax Planning
What Is Withholding Tax and How Is It Calculated?
You’ve likely noticed the IRS withholds a portion of your paycheck before it ever reaches your bank account. This is due to withholding tax, a system the IRS uses to collect income tax throughout the year. Whether you’re an employee trying to fine-tune your paycheck or a business owner handling payroll, you should know how… read more…
Investing for Beginners
Bear vs. Bull in the Stock Market: What to Know
The terms “bear” and “bull” in the stock market describe two distinct trends that influence investor sentiment and market movement. A bull market is when stock prices are rising, often driven by optimism and strong economic indicators. In contrast, a bear market signals declining prices and widespread caution among investors. Recognizing the differences between these… read more…
Financial Advisor
On-the-Run Treasuries: Are They Safe?
When investors seek safety in the bond market, U.S. Treasury securities often top the list of considerations. Among these government-backed investments, on-the-run Treasuries represent the most recently issued bonds. These are bonds of a particular maturity and are distinct from their older “off-the-run” counterparts. But just how safe are these popular securities? Investors consider on-the-run… read more…
Financial Advisor
Beneficiary Rules for CD Accounts and Estate Planning
Certificate of deposit (CD) accounts offer a secure way to save money with fixed interest rates. However, many people overlook the importance of properly designating beneficiaries for these financial instruments. If you want an estate plan to avoid the risk of probate, take the time to understand CD beneficiary rules. Unlike wills, which must go… read more…
Financial Advisor
How to Calculate Rental Income for Your Taxes
Property owners need to understand how to calculate rental income. Otherwise, they will struggle to stay compliant with IRS regulations while maximizing their deductions. Rental income can include more than just monthly rent payments. Security deposits, advance rent and even services provided by tenants instead of rent should be recorded. However, there is good news.… read more…
Financial Advisor
5 Popular Investment Types and Strategies for Young Adults
Choosing the best investments for young adults can feel overwhelming for those just starting their financial journey. Yet, the earlier you begin, the more time your money has to grow. Today’s investment landscape offers everything from traditional options like stocks and bonds to newer alternatives such as cryptocurrency. Whether you’re saving for retirement, planning to… read more…
Financial Advisor
5 Roth IRA Investments for Young Adults to Consider
For young adults looking to build wealth over time, a Roth IRA is a smart choice. It offers a powerful vehicle with unique tax advantages that can help them throughout their lives. Unlike traditional retirement accounts, Roth IRAs allow your investments to grow tax-free. Qualified withdrawals in retirement also come with no tax obligations. This… read more…
Financial Advisor
What Are Investment Account Options for Your Kids?
As parents, we have several investment account options to help our kids build wealth. These investment accounts for kids provide financial benefits and powerful teaching tools about saving, investing and financial responsibility. The choices can seem overwhelming, from custodial accounts that transfer to your child at adulthood to education-specific savings plans like 529s. Each option… read more…
Financial Advisor
What Is the Tax Amortization Benefit and How Does It Work?
Understanding the intricacies of financial strategies can be daunting. One concept that often piques the interest of savvy investors and business owners is the tax amortization benefit. At its core, the tax amortization benefit allows businesses to gradually deduct the cost of intangible assets, such as patents, trademarks, or goodwill, over a specified period. This… read more…
Financial Advisor
Comparing Property Taxes in Texas vs. California
If you’re thinking about moving to or investing in Texas or California, property taxes are an important factor. Each state has different tax rules that can affect your finances and business costs. A financial advisor can help you understand how these differences impact your situation. Property Taxes in Texas vs. California Property taxes are a… read more…