Our Weekend Word

As Goes January, So goes the Year

There are many strange investing myths out there trying to make sense of the chaos of being an equity investor. The most famous of those being Sell in May and go away, which we’ve addressed before. This year, more than any other, I’ve heard pundits kicking around what you see above: “As Goes January, So Goes the Year”. 

Tax Document Schedule 2023

We’re coming to the end of January, so tax documents are starting to become available. Below is a schedule of when various tax documents will become available online.

Inheriting Debt from a Family Member

Thinking about a loved one’s outstanding debt is the last thing on anyone’s mind when a family member passes away. Unfortunately, many people find themselves dealing with creditors and figuring out how to pay their loved one’s debts as they grieve. To avoid this situation, it makes good financial sense to consider these matters ahead of time.

Secure Act 2.0

 On December 29, 2022, President Biden signed into law the Consolidated Appropriations Act, 2023, an omnibus spending bill that includes the SECURE 2.0 measure (a.k.a. the Securing a Strong Retirement Act 2.0). Broadly, SECURE 2.0 is intended to make retirement saving more straightforward and accessible to a wider range of people. As such, it encompasses many aspects of financial planning and retirement saving.

Capital Gains on a Primary Residence

Most property owners know that when they sell a secondary property, they will have to pay capital gains tax on the amount they have made. Most people, however do not really consider this situation when selling their primary residence.

Social Security Inflation Adjustment

This month the Social Security Administration announced the largest jump in payout since the early 80’s providing an 8.7% increase to benefits for 2023.

If you’re already claiming Social Security, this is a very exciting statement. If you aren’t claiming yet, however this could cause some anxiety. Are you missing this raise if you are deferring your benefits?

Kick or Convert

One of the most popular decisions to criticize the coach for anymore is whether or not to go for a two-point conversion or kick the extra point after a touchdown. Modern analytics have made this a hot topic as they look at the stats and what move will pay off the best. But you never really know if you picked right until the end of the game.

Another conversion that many investors may have on their mind at the moment is the Roth Conversion.

Back to Normal

Maybe the only thing everyone can agree on after the last two and a half years is that we would all love it if things could just get back to normal. Unfortunately, the only thing that has heeded that call to go back in time is the financial markets.


Along with shopping for your new iPhone, fall also means that it’s time to shop for a new, stylish 2023 Medicare plan. October 15th marks the start of the Annual Election Period (AEP) for “Medicare Season”.  AEP runs from October 15th through December 7th and provides Medicare beneficiaries the ability to make changes to their plan, switch plans or drop coverage all together.

Persistent Inflation

One question that investors may have is: “How can inflation be increasing when the Fed is raising rates?” And this is a good question.