Monthly Archives: January 2018

The Dangers of Complacency in Investing: Four Steps to Position Your Portfolio for the Future

When things have been good for a long time in the market, the human mind naturally adjusts and builds its idea of “normal” around the current environment. This “new normal” sets the stage for future decision-making. But beware of this tendency, because it can be deceptive! Since it’s impossible to predict future market movements, investors should base their strategy on a long-term plan, not on the current environment. Read more »

Practical Planning – Understanding Life Insurance

The basic purpose of life insurance is simple: upon your death, a policy will pay out a set benefit (income tax-free and occasionally estate tax-free) to your beneficiaries. When considering life insurance options, however, it can be difficult to determine the amount of coverage your family needs and to understand the terminology and costs/benefits of different policies. Read more »

529 Plan Changes – Should you use your 529 Savings Plan to pay for elementary or high school?

Families saving for future educational expenses were granted an unexpected gift from the Tax Cuts and Jobs Act: up to $10,000 of elementary or high school tuition and fees may now be paid (tax and penalty-free) from 529 savings accounts. (Previously, 529 plans were limited only to college expenses.) In this post, I will address how this change to the tax code affects residents of Oregon and Washington and will answer some of the questions we have been getting here at our office. Read more »

Practical Planning – Advice for New Parents

Like a new year, parenthood brings with it many new experiences. Some are great — the first time you hold your child, the first time they smile, et cetera. Some are not — first diaper changes, the first all-nighter, and so on. The Arnerich Massena team is welcoming three babies in the coming months and we love hearing stories about these firsts from our new parents.

Sometime during those first few sleep-deprived months, most new parents stumble across the same thought: “Since I am now responsible for this other human being, I should probably get my finances and estate in order.” Read more »

Women and Men: A Different Approach to Investing

Perhaps the 74 million-mile distance between Mars and Venus has an influence on why men and women invest so differently. But most actual investment happens on Earth, where it may be advantageous to bring both perspectives to the table. How do men and women invest differently, how can they impact the long-term outcome of a portfolio, and why is it important to find a balance? Read more »