News & Press Releases

Learn more about Capital Advantage through our latest news, press releases and recent media coverage.

July 2019

The Shift in the Fed’s Stance Fuels Equity Gains

An expanding economy, falling bond yields, and a Fed that is poised to cut interest rates have pushed the Dow, NASDAQ, and S&P 500 Index to new highs, countering… Read full article

Where Should My Kids Apply to College?

If you believe the hype, families these days have their kids applying to 10 or more schools, and acceptance rates are at record lows What’s going on? Lynn O’Shaughnessy,… Read full article

Divorced-Spouse Social Security Benefits: 8 Rules with Examples

When Social Security was first instituted in 1935, most women did not work So, in 1939, as part of a sweeping series of amendments, the system made spousal benefits… Read full article

June 2019

Time to Refi? Economic Volatility Drives Mortgage Rates Below 4%

As the bond market drives yields down because of the economic turmoil, mortgage rates moved in concert, dropping below 4% for the first time since January 2018, according to… Read full article

Bay Area Housing Slump: Home Sales Drop, Prices Turn Flat

Price sluggishness, sales declines strike most of Bay Area housing market

The Bay Area housing market turned noticeably sluggish during April, according to a report released May 30 that sketched… Read full article

What Does the House Retirement Bill Mean for You?

A House bill would make it easier to convert retirement savings into a steady lifetime income

The retirement bill the House of Representatives passed on May 23 includes an assortment… Read full article

May 2019

What Does 'Inverted Yield Curve' Mean?

Question: What is a yield curve, and what does it mean when it’s inverted?

Answer: In simple terms, the yield curve shows the price of borrowing money in the bond… Read full article

Reboot, Rewire or Retire: Personal Experiences with Phased Retirement and Managing a ‘Life Portfolio’

This article provides insights from my personal experience with phased retirement and that of friends and others, and about what has made retirement work well for us, as well… Read full article

Choosing Health Insurance Options at Retirement: A Primer

Maintaining adequate health insurance as you transition through the various stages of retirement plays a key role in the retirement decision

While you are working, you generally have employer-sponsored insurance… Read full article

April 2019

Emotional Investing: What it Costs, and What to Do About It

In a recent Journal of Financial Planning article, I analyzed the costs and implications of selling investments during downturns By my estimates, and others in the field, the cost… Read full article

Medicare For All: What's In It for Seniors?

Run an internet search for “Medicare for all and seniors,” and you’ll see plenty of posts explaining just how harmful single payer health care would be for retirees

The Medicare… Read full article

Your RMD Amounts are More Conservative Than You Might Think

We know this: Affluent retirees love to hate their required minimum distributions

Taxes are the major reason The amounts that people who are age 70 1/2 or older must begin… Read full article

February 2019

How to Invest When Markets are Down (For Those Who Don't Remember)

It has been nearly 10 years since US stocks were in a bear market Time to brush up on some proven techniques

Many investors might have forgotten (or, for the… Read full article

What You Can Learn from Your 1099 Forms

The current tax season–for the 2018 tax year–is likely to be pretty different from years past

The key reason is that changes in the tax code that went into effect… Read full article

The 2019 Retirement Landscape

What’s the best way to get more people to save for retirement on the job?

In 2019, a large national experiment will take shape that tests two very different approaches… Read full article

January 2019

The Biggest Danger to Your Long-Term Investment Results

What is the Biggest Danger?

Here’s a trick question: what is the biggest danger to your long-term investment results? If you answered something like “market downturns” or “downside volatility,” you’re… Read full article

Your 2019 Tax Fact Sheet and Calendar

The year 2018 ushered in seismic tax-code changes that you’re likely to see reflected on your 2018 return: notably, the end of personal exemptions as well as higher standard… Read full article

IRS Announces Higher Estate and Gift Tax Limits for 2019

The Internal Revenue Service recently announced the official estate and gift tax limits for 2019: The estate and gift tax exemption is $114 million per individual, up from $1118… Read full article

November 2018

What is Asset Location? And Why it is So Important.

While many investors are focused on asset allocation – finding the right mix of asset classes for their level of risk tolerance, goals and investment time frame – smart investors… Read full article

Bunching Deductions to Take Advantage of the New Tax Laws

The newly raised standard deduction means taxpayers need to get strategic to reap tax benefits from their deductions and charitable donations Here’s how

The Tax Cuts and Jobs Act has… Read full article

2019 Retirement Calendar and Checklist to Keep You on Track

Most retirees just want to visit Oahu and pamper their grandkids, but there are critical financial tasks to handle throughout retirement Here, we round up the important dates and… Read full article

October 2018

Why is October the Stock Market's Most Volatile Month?

There is an ancient Chinese curse – “may you live in interesting times” The saying has a sort of wry truth to it After all, quiet and persistent growth… Read full article

Fit Travel to Personality

Where should you go on your next vacation? Your satisfaction and enjoyment level may depend on who you are, according to psychologist Joshua Jackson, associate professor at Washington University… Read full article

Handling Large IRAs Under the New Tax Act: 3 Things to Consider

IRA distribution planning is entering a new world, a departure from the days when simply dropping dollars into a traditional IRA was the sensible thing to do With the… Read full article

September 2018

The Generational Financial Divide

If some random person off the street handed you $10,000 in cash, no strings attached, and would pay the taxes on this windfall, what would you do with it?

Researchers… Read full article

New Tech, New Jobs

It’s interesting to watch economists and tech prognosticators go back and forth over whether artificial intelligence, robots and other thinking machines will kill or create jobs  Most recently, the… Read full article

3 Free Ways to Pay Your Mortgage Faster

Paying extra on your mortgage can be a good idea It can shave years off your home loan and save tens of thousands of dollars in interest charges

The one… Read full article

August 2018

Qualified Charitable Distributions

If you are age 70½ or older, IRS rules require you to take required minimum distributions (RMDs) each year from your tax-deferred retirement accounts This additional taxable income may… Read full article

The Growth Spike

Recent reports about the US economy were a case of good news and bad news  The good news is that, in the second three months of the year, the US… Read full article

The Alarming Truth About American Healthcare Costs

In all the debate over how or whether we need affordable care, state registries, guaranteed coverage despite pre-existing conditions etc etc, few Americans realize that our US healthcare system… Read full article

July 2018

How the Two Roth IRA 5-Year Rules Work

Two 5-year rules are the benchmarks that determine whether distributions from a Roth IRA are subject to income tax and/or the 10% early distribution penalty

A Roth IRA is funded… Read full article

Three Swords to Slice Through the Bonds of Procrastination

The Greeks called it akrasia—so that’s just how long we humans have been failing to follow through on good intentions—and getting filled with regret! Modern science offers three surprisingly effective,… Read full article

18 Facts About Women's Retirement

In the last 50 years, women have made unprecedented strides toward equity in work, family, and social settings Yet when it comes to securing a financially safe retirement, they… Read full article

June 2018

New Ways to Give to Charity While Getting the Best Tax Breaks

In 2017, the standard deduction was $6,350 for individuals and $12,700 for married couples However, as a result of the Tax Cuts and Jobs Act (TCJA) of 2017, the… Read full article

A Better Place

A recent global survey of more than 18,000 adults in nine countries asked a simple question: “All things considered, do you think the world is getting better or worse, or… Read full article

States vs. SALT

Each year, thousands of professionals use their creativity and ingenuity to try to figure out the best ways to lower your federal taxes  You know you’re living in interesting times… Read full article

We’d love to start a conversation with you. Call or request an appointment today.

capital advantage logo

Big city credentials without the commute.