An Asset Manager Embraces Financial Planning

October 2016  By: MALCOLM BUTLER, JD

I have been investing other people’s money for over 36 years. As most of my clients are either saving for retirement or living off of their retirement savings and/or trust accounts, my overriding goal has been to build durable, income-producing portfolios that will enable my clients to live off of the income from their investments during…

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Chasing Good Companies, Not Yield


In the second quarter newsletter, we noted there were more than $10 trillion of negative-yielding bonds around the world. While U.S. Treasury bonds are not in that group, they are pretty close: the 10-year Treasury currently yields 1.6%, compared to an average of 6.5% over the past 50 years. This period of low nominal interest…

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Primer on Individual Taxes

October 2016  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Tax planning to minimize tax liability and maximize after-tax returns starts with an understanding of Form 1040, the tax return filed annually by individual taxpayers. My goal in this article is to give the reader a “primer” on Form 1040 and the key considerations that will impact your tax liability. Status: The first thing you as…

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