The Standard Deduction and Gifting in 2018

Among the many changes introduced by the Tax Cuts and Jobs Act of 2017, some have created great planning opportunities. One planning opportunity that we have reached out to proactively discuss with many of our clients is the significant increase in the Standard Deduction for married couples. We have many married clients who are both […]

Selecting Your Retirement Community

Clients often ask us to help them compare retirement communities and to recommend the one that’s best for them. We subscribe to a wonderful database that is useful in doing this. We also have delved deeper into the questions and helped clients by developing decision trees and timelines and by projecting the financial consequences of […]

Midsummer Mixed Market Messages

The year is half done, and though it does not feel like it, the S&P 500 has eked out a total YTD return of 2.7%. The Dow Jones Industrials are negative YTD, while dividend focused equities have lagged mightily. After hitting new highs at the end of January, broad markets were hit by a correction […]

July 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: July 2018 Newsletter.    Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion […]

Bear Signs?

One of my resolutions for the year is to more frequently post blogs regarding markets, and what we may, or may not, be looking forward to. It appears more and more likely that markets are experiencing a traditional bear phase. Lest we forget, 2017 surprised a lot of observers with an extraordinary rise following a […]

Armor’s New Client Web Portal

Armor’s new client portal is LIVE! New technology has opened up doors for us to collaborate in an unprecedented way. Armor clients can now organize, prioritize and personalize their financial lives through Armor’s secure client web portal. Once we have set up your private site, you can connect all of your financial accounts to build […]

April 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: April 2018 Newsletter    Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an […]

Financial Stress Managers

Eleven years ago when I left the world of technology and joined Walt at Armor, we had long discussions about how to describe ourselves. From a regulatory perspective, we were (and are) Investment Advisers (Not Brokers), but that seemed too technical. We discussed Financial Planner, but it seemed to imply annuity salespeople. We were, of […]

A Correction…Finally

The past week has proven that the old saying, “What Goes Up, Must Come Down”, is once again in play. 2017 represented a relentless, never-ending bull market (or market in Bull?). We are now seeing a reversal of that trajectory, albeit in a very compressed time line. This is typical of how a bull market […]

January 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2018 Newsletter Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion concerning […]