Personally Invested In Your Future™

Post-Election Commentary: Impact on the Markets

In the month leading up to the election, we held our Fall Lecture Series of webinars (click here to watch the replays). Now, we want to provide our commentary on what has transpired since Election Day and consider how that might impact the markets going forward. Here are some thoughts about what the election results mean from the perspective of the markets, but

Nov 16
Personal Finance Needs to Be Personalized: Why Rules of Thumb Are Misleading

If you are trying to figure out how much you need to save for retirement or determine how much life insurance you should have, financial rules of thumb can be a helpful starting point. But as your situation becomes more complex and your level of wealth grows, rules of thumb can go from being helpful to detrimental to your financial well-being. For example,

Nov 12
GRATs: A Planning Tool for Business Succession

For today’s business owner, continuation and estate planning go hand-in-hand. Without proper tax strategies, the time, hard work, and money you’ve invested in your business could yield little more than a significant tax bill for your heirs. Fortunately, with careful planning, there are numerous ways of reducing your family’s tax burden while keeping your business intact. Gifting Review You are annually allowed to

Oct 27
5 Key Estate Planning Questions

Estate documents should be reviewed regularly to ensure that they are up-to-date and still adequately express your wishes pertaining to the distribution of your estate. We believe there are five key estate planning questions to consider. Before meeting with an attorney to update your current estate plan, you should consider these strategic questions regarding how you would ultimately like to design an inheritance.

Oct 19
Business Contingency Planning for Small Business Owners

There comes a point in time when almost every small business owner contemplates the future of his or her business. Because the business typically is a substantial asset, an owner must address a number of estate planning issues that will affect the future stability of the company. A business succession plan is a comprehensive look at the estate planning picture that can include

Oct 06
2020 Fall Lecture Series: How the Election Could Affect Planning & Investing

Brown and Company is introducing a new series of webinars this fall where we will consider implications of the upcoming election. We have titled this 2020 Fall Lecture Series: How the Election Could Affect Planning & Investing. Each of our calls will feature a different expert who will address potential changes and considerations for planning and investing going forward. To join an upcoming

Oct 02
Common Problems with Property and Casualty Insurance

Unanticipated loopholes in a property and casualty insurance policy can cause major headaches for investors and claimants alike. Whether it’s ambiguous language in a policy that’s construed against the insurance provider or a miscommunication as to how deductibles will be applied, these problems can be expensive and time-consuming to unravel. What three things should investors carefully analyze when reviewing a property and casualty

Sep 29
Brown & Company In the News

We’ve aggregated the various publications where Brown & Company has been featured in the news in recent months. We are grateful for the opportunities to speak with journalists to help educate readers on timely financial topics. Here are the most recent media interviews we have done: Thanks to Jill Cornfield at CNBC for giving Mark Brown the opportunity to discuss strategies to prepare

Sep 14
Is the 60-40 Asset Allocation Model Obsolete?

Thanks to Brian O’Connell at the for the opportunity to discuss our thoughts on asset allocation (here). Ask any investment specialist, and you’ll get an earful on how determining your asset allocation is one of the most important investment decisions you make. By and large, they’ll say, asset allocation is likely to have a bigger impact on the performance of a portfolio

Sep 01
Employee Spotlight: Meet the Team Member (Justin Cassida)

This is the latest in a continuing series of posts where we feature a member of our team using a Q&A format so you can get to know them a little better – both personally and professionally. This week we’ll be interviewing Justin Cassida, CFP®, who joined Brown and Company, Inc. in May 2007 as a Client Relationship Manager and in 2013 was

Aug 31
3 Estate Planning Strategies You Should Consider Now

Today’s low interest rates are a far cry from the double-digit rates seen in the 1970s and 1980s when even a certificate of deposit (CD) could yield up to 20 percent per year.1 But there are some distinct advantages to a low-interest-rate environment, and now is a great time to look into some tax-saving estate planning strategies. Learn more about how intra-family loans,

Aug 18
The Big Five: What College Football Can Teach Us About the Stock Market

If you’re like a lot of people, you’ve been thinking, “why is the stock market doing so well when the news is so grim and the economy is still struggling?” To understand what’s going on, let’s compare the stock market to college football. Think of the S&P 500 Index as being made up of the Big Five and then you have all the

Aug 17
What Is Tax-Loss Harvesting and Why You Should Care About It?

One way to help boost returns without incurring any extra risk is called tax harvesting, which sounds a lot more difficult than it truly is. Simply put, it is the sale of securities at a loss in an effort to offset your capital gains liability. When Is Tax-Loss Harvesting Most Likely to be Used? While it may be beneficial at any time during the

Aug 04
Brown & Company In the News

  Brown and Company has been in the news several times recently. We are grateful for the opportunities to speak with journalists to help educate readers on timely financial topics. Here are the most recent media interviews we have done:   Mark Brown was quoted in a column by Morey Stettner at Investor’s Business Daily on July 17, 2020. The article is titled,

Jul 28
Executive Compensation: Equity Compensation for Corporate Executives

When it comes to executive-level pay or compensation, financial compensation comes in a number of forms, including salary, bonuses, and other forms of compensation, such as equity compensation. This type of compensation is often used as a way to reward performance as well as entice talented professionals into executive levels in a corporation.1 While equity compensation might be the ideal way to entice sought-after talent,

Jul 20
Pros & Cons of Contributing to Nonqualified Deferred Compensation Plans

Pros of Contributing to an NQDC As with any type of compensation plan, there are both pros and cons of contributing to them. When it comes to the NQDCs some of the advantages that come from contributing include: An Ability to Save More When contributing to a 401(k) or another qualified retirement plan, there are limitations on the amount of money that is allowed

Jul 06
Thoughts on the Market and the Economy

Six months ago, if you would have described a scenario involving more than 40 million people filing for unemployment, plunging corporate profits, and a highly contagious worldwide pandemic all translating to portfolios that are essentially flat for the year, we would have considered that to be highly unlikely. And yet, here we are. State of the Economy While economic numbers are still negative,

Jun 29
Advanced Tax Planning Ideas – Lumping Charitable Gifts

If you are one of the 90% of taxpayers who don’t itemize deductions, you cannot claim a federal deduction for charitable donations. To get past this issue, some people lump their charitable gifts together. Wondering how to claim a deduction for charitable giving? Curious about how clustering charitable gifts together can help? Here’s what you need to know.  Standard Versus Itemized Deduction  Before

Jun 23