Fourth Quarter 2018 Review

Fourth Quarter 2018 Review

Overview In the 4th quarter a second correction for 2018 was experienced as stock market investor concerns grew over whether the U.S. economy reached its peak earnings growth potential. Additionally, continued trade negotiations and uncertainty regarding the Federal...

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Tax-Loss Harvesting

Tax-Loss Harvesting

Don’t miss the opportunity to save on your taxes This time of the year, many people start thinking about year end tax planning. An often-integral part of tax planning involves the potential for tax-loss harvesting in your taxable portfolio. What we are going to...

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Third Quarter 2018 Review

Third Quarter 2018 Review

Market Overview We continue to see back and forth trade posturing between the United States and foreign trading partners and expect this to continue throughout the remainder of 2018. With that being said, the U.S. and Canada reached a deal after a lengthy negotiation....

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Contract with the Stock Market

Contract with the Stock Market

Expertly Riding the Waves of Volatility We have prepared this piece to reiterate what we should all know, understand, and believe if we are going to own stocks in our portfolios.  We look forward to continuing to educate you to help you stay well-informed and continue...

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New Rules for 529 Plans

New Rules for 529 Plans

Easing the burden of paying for education The Tax Cuts and Jobs Act of 2017 will expand the use of 529 Plans to allow savers to accumulate money and pay for education on a tax-free basis. Before we discuss the changes let’s review the basics. A 529 Savings Plan is an...

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Second Quarter 2018 Review

Second Quarter 2018 Review

Market Overview The quarter was marked by a continued rally in the U.S. Dollar sparked by strong U.S. growth and economic data, much to the detriment of emerging market stocks and commodities (with oil being the only exception).  The quarter was roiled by tariff...

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NJ Governor signs SALT deduction workaround into Law

NJ Governor signs SALT deduction workaround into Law

New Jersey Governor Phil Murphy signed into law May 4th, 2018 the State and Local Tax Deduction bill that would allow New Jersey municipalities to create charitable funds through which NJ taxpayers can donate in exchange for a tax credit of up to 90% of their donation...

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First Quarter 2018 Review

First Quarter 2018 Review

Market Overview The overwhelming story of the 1st quarter of 2018 was the return of volatility to our financial markets. In the past quarter, investors saw the S&P 500 experience 6 trading days of plus or minus 2% moves; something that did not occur during a...

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2017 – The Year in Review

2017 – The Year in Review

Early Predictions Heading into 2017, many analysts were predicting a modest year for investors. Fresh off the end of 2016 where stocks rallied strong in the fourth quarter to finish up almost 12% (S&P 500) for the year, both Credit Suisse and Goldman Sachs were...

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Forth Quarter 2017 Overview

Forth Quarter 2017 Overview

Market Overview Amidst a backdrop of unusually low volatility, United States and a broad swath of world equity markets rose sharply during 2017, based upon the expansion of 45 separate global economies. The US broad market advanced 20.52% for the year, 6.2% coming...

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Explaining “Backdoor Roth IRAs”

Explaining “Backdoor Roth IRAs”

Learn how higher income earners can contribute to a Roth IRA ROTH IRAS ARE A POWERFUL WAY TO SAVE FOR RETIREMENT Contributions into a Roth IRA are not tax deductible. However, the earnings in the account accumulate tax deferred, and can be distributed completely tax...

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Third Quarter 2017 Overview

Third Quarter 2017 Overview

Market Overview Global markets continued their broad advance during the third quarter 2017. Thus far 2017 has been a year where all major asset classes have advanced with international equities leading the field. Could we now be at an inflection point? Fixed Income...

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CRA Financial Hosts Annual Client BBQ

On July 13, CRA Financial hosted a barbecue at the Atlantic City Aquarium, catered by Nobil Foods. Starting with a tour of the aquarium, a delicious barbecue and cocktails followed outside overlooking Clam Creek, with a performance by Strawberry Jam Band. Clients of...

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