Insights

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Roth Conversion as an Estate Planning Tool

A Roth conversion allows an investor to convert a portion of a pre-tax Individual Retirement Account (IRA) into a Roth IRA. Income taxes are due on the conversion amount. However, all future growth in that account is tax free. In addition to Roth conversions with IRAs, some 401(k) plans allow for after-tax contributions inside the [...]

By |2022-01-14T10:35:11-05:00January 14th, 2022|Financial Planning|

2022 Market and Investment Outlook

We begin this year's market outlook by providing an introduction to a newer topic: the crypto economy. As we discuss, this advancement begins to open the door to financial transactions that occur directly between individuals or corporations - without the need for a financial intermediary. The past year produced another year of broad equity market [...]

By |2022-01-13T15:01:19-05:00January 13th, 2022|Investment, Markets|

Tax Numbers For 2022

The IRS has released its annual inflation adjusted tax numbers for 2022. Below we have highlighted some of the most relevant updates for tax brackets, retirement contributions, and estate and gifting limits, as compared to 2021 figures. Individual Income Taxes Income Tax Brackets – Single Tax Filer 2022 2021 10% Up to $10,275 Up to $9,950 [...]

By |2021-12-16T13:50:14-05:00December 16th, 2021|Financial Planning, Retirement|

CMH Supports Swim With a Mission

Each year, CMH Wealth supports a non-profit doing important work in the area. For 2021, we were proud to support Swim With A Mission, Inc. through their K9 With a Mission Veterans Day Campaign.  The campaign raised money to support two local organizations: Operation Delta Dog and Hero Pups. These organizations match trained dogs with [...]

By |2021-12-14T15:48:13-05:00December 10th, 2021|Charitable|

Tipping the Balance of Power in Asia

In the early 1970’s, China and the United States seemed like an unlikely match. No formal communication or diplomatic ties had existed for 25 years. Henry Kissinger laid the groundwork for formal ties with a series of secret meetings in 1971. Richard Nixon then formally ended the public silence with a historic visit to China [...]

By |2021-01-19T13:59:15-05:00January 19th, 2021|Markets|

2021 Market and Investment Outlook

In our annual investment outlook, we reflect on the year that was. This includes a stock market that soared more than 60% off March lows and a 10-year government note with a yield that remained below 1% most of the year. Certain segments of the market embraced three to five years of technology advancements in [...]

By |2022-01-13T09:43:46-05:00January 13th, 2021|Investment, Markets|

Tax Numbers for 2021

The IRS has released its annual inflation adjusted tax numbers for 2021. Below we have highlighted some of the most relevant updates for tax brackets, retirement contributions, and estate and gifting limits, as compared to 2020 figures. Individual Income Taxes Income Tax Brackets – Single Tax Filer 2021 2020 10% Up to $9,950 Up to $9,875 [...]

By |2021-12-13T17:06:34-05:00November 24th, 2020|Financial Planning|

Estate Planning: Protection During Your Life

The topic of estate planning naturally leads to thoughts of how property and assets will be distributed after death. A visit with an estate planning attorney may begin with a discussion on establishing or updating a will or trust. A will outlines your wishes for probate assets, not held in a trust, to be distributed [...]

By |2020-11-24T15:16:51-05:00October 13th, 2020|Financial Planning|

Can a Greek Paradox Inform Thinking on Financial Planning?

The Ship of Theseus There is an ancient thought experiment centered on The Ship of Theseus. Greek Historian and writer Plutarch paints the scene based on Theseus, the King and founder of Athens. After many famous conquests on a ship, Theseus returns to Athens, where his ship becomes a museum piece. In the coming years, [...]

By |2020-11-24T15:11:49-05:00September 14th, 2020|Financial Planning, Investment|

Money Market Funds in the News

March 24, 2020 Earlier this month, the Federal Reserve announced some measures to support certain segments of the money market fund sector. This raised investor concerns about the safety of money market funds. As a result, we wanted to provide some clarity on the money market funds we use for our clients. For a little [...]

By |2020-11-24T15:11:53-05:00March 24th, 2020|Investment|
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