Investing

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The Impact of Tax Cuts on Your State Income Taxes and Your Investment Strategy

The Impact of Tax Cuts on Your State Income Taxes and Your Investment Strategy

By: Tim Hayes Financial Advisor - posted in: Investing - Last updated Feb 9, 2019

The big winners from the new congressional tax bill are corporations, which will see their tax rates reduced from 35% to 21% while keeping most of their deductions. However, second but little-talked-about winners are state governments, mainly in those forty or so states that align their tax codes with the federal system.

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Are Interest Rates Heading Up?

Are Interest Rates Heading Up?

By: Tim Hayes Financial Advisor - posted in: Investing - Last updated Feb 5, 2019

The Federal Reserve, a.k.a. “the Fed,” has kept the federal funds rate at zero for seven years now. But after a strong monthly jobs report in October, where the economy created 271,000 new jobs and the unemployment fell to 5%, the Fed may finally be ready to raise it.

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Diversification and Rebalancing: A Retirement Saver’s Best Friend

Diversification and Rebalancing: A Retirement Saver’s Best Friend

By: Tim Hayes Financial Advisor - posted in: Investing - Last updated Feb 9, 2019

Diversification is the proverbial don’t put all your eggs in one basket. So within an asset class like bonds, a diversified investor owns treasury bonds, corporate bonds, high-yield bonds, and international bonds, benefiting from the fluctuations from year to year in returns.

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Don’t Fear the Bond Reaper

Don’t Fear the Bond Reaper

By: Tim Hayes Financial Advisor - posted in: Investing - Last updated Feb 12, 2019

Over the past few years, some highly respected economists have been alarming investors with their predictions that the Federal Reserve’s quantitative easing (QE) program fuels inflation. When inflation heats up, interest rates rise, and investors who own both stocks and bonds see the value of their bonds fall.

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Tim is a financial advisor that knows how to adjust your financial strategy to adapt to the change’s life throws at you.