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Dollar-cost Averaging 03.05.2021

We hear people say it all the time. “I’m just waiting for the stock market to pull back, and then I’ll invest more” or “I’m going to build my cash for awhile and then invest it,” or “Things are too uncertain, or scary, or unpredictable right now – I am going to wait to invest for the time being.” Perhaps you have heard friends or colleagues say these things. Perhaps you have said them yourself?

When I hear people say things like this, I immediately think of the possible opportunities that person may miss out on by not taking more immediate and decisive action. This kind of investor behavior, while common among inexperienced or fearful investors, or among those who are not following a disciplined plan, can be problematic, but fortunately, easily improved upon by implementing a dollar-cost averaging strategy.

Watch this video, Dollar-cost Averaging, from our Sacramento Wealth Advisor and CPA to learn how the use of dollar-cost averaging helps overcome emotional investing and is one of the best ways to grow and protect your portfolio over time.

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Student Debt: Tackle it Now!

Student Debt | You’ve graduated college, there is so much to look forward to and be excited about! Your first professional job, making money, traveling to new places, meeting new people, and no more studying! But for 44 million Americans, there is one part of college that unfortunately sticks with them for quite awhile: student loans.

Among the Class of 2019, 69% of college students took out student loans, graduating with an average debt of about $30,000. Most people believe that if they pay more than the minimum monthly amount, they won’t have extra cash for travel, nice things, and possibly even to invest. However, with the average student loan interest rate of 6%, it might sound crazy but it’s true: Even if you did invest that extra money, you might not break even!

Watch this video from our Sacramento Wealth Advisor and CPA, Matt Regan, to learn how making sacrifices and staying motivated can help you pay off your student debt sooner, save you money, and achieve greater peace of mind and full financial freedom.

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Rental Passive Activity Losses

Do you invest in #rentalrealestate? Are you considering doing so? You have heard about the potential #taxdeductions and benefits, right? Not so fast!

Watch this quick video from our Wealth Advisor, Matt Regan, to learn more about the passive activity loss (PAL) rules associated with owning rental real estate, and message us with any questions that are on your mind.

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Funding a “Backdoor” Roth IRA

Do you have the enviable problem of NOT being able to contribute to a tax free Roth IRA every year because you make too much money?

Click to watch the video below from our Wealth Advisor, Matt Regan, to learn how you can go through the back door and still fund a *tax-free* Roth every year!

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Cryptocurrency – Wait, I Have to Pay Taxes??!!

Do you own/trade cryptocurrency? Interested in investing in BitcoinEthereum, or any of the other 4,000 cryptocurrencies currently available to own and trade?

If so, it is important you understand the income tax consequences of owning crypto.

If you are thinking about buying, selling, or trading cryptocurrencies, watch this quick video from our Wealth Advisor, Matt Regan, to learn the tax consequences of doing so.


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Suitability vs. Fiduciary

When hiring a financial advisor, you expect him or her to always act in your best interests, 100% of the time, right? Unfortunately, this is not always the case. Click below and watch a quick video from Matt Regan, and learn about the important difference between the fiduciary standard and the suitability standard, how they can impact your financial and wealth management plan, and ultimately, your success in growing and protecting your net worth and assets.

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Rich vs Wealthy

Would you rather be rich or wealthy? Do you know the difference? The small financial decisions we make today will have a huge impact on our future. Click below and take 60 seconds to watch Matt Regan’s video message!

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Coffee At Home – Investing early

Investing early and making intelligent incremental monetary decisions usually leads to BIG THINGS, it just takes time and discipline.

Click below and take 60 seconds to watch Matt Regan, CPA, MBT – Wealth Advisor‘s most recent OneMinuteTaxTip video to learn how a simple change in your financial lifestyle, such as making coffee at home, can end up having a huge impact on your longer-term net worth and your ability to retire when you want to!

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Retirement Account Rollovers | One Minute Tax Tips

This week’s One Minute Tax Tip – old 401(k) and retirement account rollovers! Many people have a retirement account held with a previous employer, but oftentimes don’t know what to do with these assets. Watch this quick video to learn more about the four options available to you.

Feel free to email us at info@towerpointwealth.com to discuss your circumstances further.