Articles

New Reports Highlight Continuing Challenges for Social Security and Medicare

Most Americans will receive Social Security and Medicare benefits at some point in their lives. For this reason, workers and retirees are concerned about potential program shortfalls that could affect future benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release lengthy annual reports to Congress that assess the health of these important programs. The newest reports, released on June 5, 2018, discuss the current financial condition and ongoing financial challenges that both programs face, and project a Social Security cost-of-living adjustment (COLA) for 2019. 

The Importance of Tax-Efficient Portfolio Rebalancing

In recent years, investors have been fortunate to experience strong returns from equities. With the S&P 500 being up about 70% from this same point five years ago, there’s a lot for investors to be happy about. While being content with a surge in asset values, many investors are facing tough decisions on how to free up liquidity in their taxable brokerage accounts without being hammered by capital gains tax. This brings up the question, how can I free up liquidity while remaining true to my desired asset allocation and limiting capital gains tax?

The Value of a Financial Advisor

At D3, we strive to provide as much value to our clients as possible. The Essential Advisor by Bill Crager and Jay Hummel quantifies the value a financial advisor can bring to your overall financial health.

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