2022 2nd Quarter Newsletter

On June 15th, the Federal Reserve increased the federal funds rate by 0.75% to fight inflation.
This was the largest increase since 1994, and the third increase of the year. Fed Chairman Jerome
Powell indicated that rates are anticipated to be increased an additional 1.75% prior to yearend.

By Zach, 3 yearsAugust 5, 2022 ago

Financial Planning

“Cheap, Boring Advice for Retirement Savers: Minimize Taxes, Rebalance Regularly” – Neal Templin

In the Barron’s article linked below, Neal Templin features Susan Elser, CFP® and asks what advice she would give to retirement savers. In the conversational exchange, Susan discusses several advantageous elements of retirement planning, including account type utilization, tax efficiency, and the importance of opportunistic rebalancing.

By Zach, 3 yearsApril 14, 2022 ago

Quarterly Newsletter

2022 1st Quarter Newsletter

2021 was a strong year for the market overall, considering the world’s ongoing battle with Covid-19 and the new Omicron variant. Despite these challenges, many key categories saw double digit returns this year.

By Zach, 3 yearsApril 13, 2022 ago

Quarterly Newsletter

2021 4th Quarter Newsletter

2021 was a strong year for the market overall, considering the world’s ongoing battle with Covid-19 and the new Omicron variant. Despite these challenges, many key categories saw double digit returns this year.

By Zach, 3 yearsJanuary 13, 2022 ago

Financial Planning

“Financial Decision Making Worsens With Age. Here’s How to Help Your Future Self.” – Neal Templin

“If you’re in your 60s, you probably don’t do calculations as quickly as you used to. It might take you a bit long longer to learn the nuances of a new investment. Yet when researchers test the financial decision-making capacity of people in this age cohort, they often perform as well Read more…

By Zach, 4 yearsJune 15, 2021 ago

Investment Management

“Coinbase CEO Says Regulation and Cybersecurity Are 2 of the Biggest Threats to Cryptocurrency” – Katie Canales

Many investors have added, or considered adding, digital currency to their portfolios. While it can be a good diversifier to stocks and bonds, there are risks, as with any investment. Before making any investment decisions, investors should educate themselves on the potential risks and benefits. Find the complete article by Read more…

By Zach, 4 yearsApril 14, 2021 ago

Quarterly Newsletter

2021 2nd Quarter Newsletter

Below, you’ll find linked Elser Financial Planning’s 2nd Quarter Newsletter.

By Zach, 4 yearsJanuary 14, 2021 ago

Insurance

“Not Everyone Needs to Buy Long-Term Care Insurance. Here Are Some Considerations.” – Neal Templin

Long-term care insurance can be a sound part of a financial plan, but do you need it? The answer to this question should be tailored to your unique situation and goals. Find Neal Templin’s

By Zach, 4 yearsJanuary 12, 2021 ago

Tax

Schwab: “Reap the Benefits of Tax Loss Harvesting to Lower Your Tax Bill”

With the market decline in February and March, investors with taxable investment accounts have had an opportunity to harvest investment losses that can offset future capital gains and ordinary income, potentially saving them a significant amount in taxes. One of the most important considerations with harvesting losses is reinvesting the Read more…

By Zach, 5 yearsMay 7, 2020 ago

Investment Management

Buffett: Fear makes coronavirus 'look like a piker’

Warren Buffet issued good reminders to investors during Berkshire Hathaway’s annual shareholder meeting – don’t let fear control your investment decisions and don’t invest in stocks for short-term goals. Similarly, Elser Financial Planning adheres to a disciplined, long-term investment strategy and we work with our clients to maintain liquidity for Read more…

By Zach, 5 yearsMay 5, 2020 ago