Category: Articles


Roth Conversions Are Up In 2024 — But It’s Not Always A ‘Slam Dunk’

Roth IRA conversions have surged in popularity in 2024, with a notable 44% increase year-over-year during the first quarter, according to data from Fidelity Investments. This rise can be attributed to the potential for future tax-free growth, as funds transferred from pretax or nondeductible individual retirement accounts to Roth IRAs grow tax-free. However, as our […]

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Wealth Wisdom: Smart Debt Management

Having debt is not always a negative. Most of us have some forms of debt; however, managing and planning for this debt is essential. Recently, Financial Advisor Catalina Franco-Cicero, MS, CFP® shared her wisdom about smart debt management at our January Wealth Wisdom chat. During the conversation, Catalina discussed topics related to how financial planning […]

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Ultra-Wealthy Turn to Trusts to Plan for Potential Tax Hikes

How have the results of the recent election impacted your financial plan?  Recently, Tobias Financial Advisors’ CEO Marianela Collado was quoted on Fox Business discussing important financial planning strategies to take into consideration. One way she is helping her clients prepare is cautioning them against taking drastic measures and triggering a lot of gains this […]

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Get to Know Edzai Chimedza

Unhu can be translated as “I am because we are.” The significance of community as family and family as community is a deep-rooted value in African culture. The roles of family and community merge into the responsibility of caring for and helping those around you. Nelson Mandela once explained Unhu with the example of a […]

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The Randomness of Global Equity Returns

Investment opportunities exist all around the globe Across more than 40 countries, there are over 15,000 publicly traded companies. If you listen to the news, however, some countries may seem like better places to invest than others based on how their economies and stock markets are doing at the time. Fluctuations in performance from year […]

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5 Ways to Automate Your Savings — a Smart Financial Move

I grew up in Queens, New York. From an early age, I learned a powerful financial principle — and saw that simple concept can make all the difference in lifetime financial success. No matter how much money people were making or what type of job they had, if they automated their savings, they were better […]

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Why Might a Child IRA Be Right for You?

Have you ever heard of a Child IRA? As long as your children are earning income, they can begin to contribute to an IRA and build a solid financial foundation. How Do You Begin? The first step is verifying that your child is earning income. This could be from babysitting, mowing lawns, a summer job […]

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Do You Know How to Be a Fiduciary Parent?

A fiduciary is someone who works in the client’s best interest. If you substitute “children” for “client,” isn’t that what a parent does? As a parent, you are always looking for opportunities that will set your children up for future success.   This article from FiduciaryNews.com, “The Fiduciary Parent: The Ultimate Plan Sponsor Shouldn’t Overlook […]

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What Can We Learn from the 2018 Market and 2019 Forecast?

As we move into 2019, let’s review the last 12 months. Looking back over 2018, we saw market correction, which brings mixed expectations for this year. This uncertainty serves as a reminder to keep focused on your long-range goals, rather than the headlines of the day. Here’s what we saw in 2018. 2018 Overview The […]

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What are the advantages of a CPA financial advisor?

Marianela Collado talks about how our diverse expertise adds unparalleled value to your financial planning strategy. In working with your advisor, you’ve likely noticed that your financial future is more than just a one- number goal. It’s a complex web of different accounts and investments, involving consequential decisions along the way, all designed to get […]

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