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Zach Harney, Financial Planning: The power of direct indexing
At its core, direct indexing gives investors ownership of the individual securities that make up an index rather than owning a fund that owns them. Advances in technology and declining...
Zach Harney, Financial Planning: What about international stocks?
Investors who focus solely on the U.S. stock market may be missing a crucial piece of the diversification puzzle: international equities. While U.S. stocks have delivered strong long-term returns, global markets...
Zach Harney, Financial Planning: The SALT tax deduction: history, limits and the OBBBA
The state and local tax deduction is a federal income tax provision that allows taxpayers who itemize deductions to subtract certain state and local taxes — chiefly income, property and...
Zach Harney, Financial Planning: How to do a ‘money autopsy’
A money autopsy has one purpose: to help you make clearer choices going forward.
Zach Harney, Finanical Planning: Financial habits worth keeping — and dropping
The most meaningful financial changes rarely feel dramatic. Financial progress doesn’t require a fresh personality or iron willpower.
Zach Harney, Financial Planning: Why predicting the next market crash is so dangerous
Market crashes are dramatic events. The 1987 crash, the dot-com bust, the global financial crisis of 2007-09 and the sudden COVID-19 crash in 2020 all sit vividly in our collective...
Zach Harney, Financial Planning: How to best direct assets to charitable causes
As year-end nears, many think of ways to maximize their charitable donations and reduce their taxable income for the year. The following are several strategies to help minimize your taxes...
Zach Harney, Financial Planning: Do I really need a trust?
Ultimately, creating a trust is about clarity and control. It helps ensure your estate is handled efficiently, privately and according to your personal values.
Zach Harney, Financial Planning: Don’t forget about your retirement plan
The biggest cost you may face is in missed investment opportunities.
Zach Harney, Financial Planning: What really matters in your personal finances
When people think about saving money, they often start small. They skip the morning latte, pack lunch for work and cancel a streaming subscription. These steps aren’t wrong, but focusing...