A Personal Solution to a National Problem

It is no secret that college students today are graduating with unprecedented levels of student loan debt. According to Forbes, the total student loan debt currently sits at just over $1.3 trillion, with the average student from the Class of 2016 holding $37,172 of that debt. With no clear signs of tuition rates stabilizing in …

A Word from the Investment Department: Should I Own Company Stock?

Many companies as part of their retirement plan options allow for employees to buy company stock, whether through their 401(k) plan, and Employee Stock Options Plan (ESOP), stock options, Employee Stock Purchase Plan (ESPP), or through restricted stock units (RSUs). While this can be an attractive way to “invest in what you know” there are …

A Word from the Investment Department: Control What You Can

“What do you think about the election? Who do you think will win, Trump or Clinton? How will the election affect my investments?” We have been hearing these questions more frequently from our clients and prospective clients over the past few months. While the media is paid to bring your attention to the short-term whims …

When Should I Change My Asset Allocation?

One of the most important decisions any investor makes is what their asset allocation should be. B&C Financial Advisors works with our clients to arrive at the appropriate asset allocation based on their circumstances and goals. We are often faced with the question from clients of whether to change their asset allocation and, if so, …

Tax Loss Carryforwards

This time of year, most everyone is busy preparing and filing their tax returns. While this is a painful process for some people, B&C Financial Advisors does our best to manage taxable gains in our clients’ taxable portfolios. When you invest money wisely, you are likely to create capital gains and income. Capital gains and …

Fasten Your Seatbelts!

Slight turbulence to be expected If you watch the business news channels, you’ve seen a lot of ups and downs in the stock market to kick off 2015. It seems everyone has an opinion on why the market fluctuates, and that opinion changes on a daily basis.

Happy New Year!

We are welcoming in a new year, and everyone is forecasting what lies ahead. As we all know, a forecast is just a prediction of what we think will happen in the future. Unfortunately, nobody has a crystal ball to help us with our investment decisions. The future is not set in stone. Market returns …

How Smart Investors Limit Their Tax Obligation

When you invest money wisely you are likely to create capital gains and income. Capital gains and income will increase your tax liability, but there are things you can do to limit the amount of taxes you pay.

How to Cope With Market Volatility

When you’re watching your favorite financial guru on TV and he says “the markets are up” you are happy. But when he tells you the markets are down you are not so happy. These may be normal reactions for some people, but when you know your goals and have established your strategy, you can turn …

How to Diversify Your Assets in Fixed Income

In a previous post, we discussed how to diversify one’s assets in equities.  B&C Financial uses a top down approach to invest in companies across many different industries, which gives you a small amount of exposure in each of those industries to ultimately achieve proper diversification. Now we will discuss how to diversify your assets in fixed …