Craig’s Insights2020-01-13T08:21:08+00:00

Insights, Opinions and Information

Investment Advisory Information
Form ADV: Part 2 A&B Click Here.

Reevaluate Your Beneficiary Designations

Hello from Sycamore,

Are your beneficiary designations current?

Over time, events may arise that necessitate a change in beneficiary information for your qualified & taxable brokerage accounts. It’s important to periodically check the beneficiary status of your investment accounts. Accounts that are lacking beneficiary information, or contain information that is not up to date, could create an issue for your survivors. It’s […]

By |October 31st, 2019|

Maximizing your 401(k) Match

Hello from Sycamore,

Retirement accounts such as a 401(k), 403(b), 457(b), etc., can be useful wealth building tools. These plans can help you achieve your dreams of retirement. Choosing to sign up and contribute to a retirement plan is step number one, ensuring you are getting the full benefits of the plan is step two.

Retirement plans are typically set up in […]

By |June 27th, 2019|

Performance Update – January 2018

Hello from Sycamore,

“Well 2017 has come to a close and we think you’ll agree that it was a very good year.  Our Growth and Income Composite gained a bit more than 21% for the year. In fact we had enough gain in 2017 to equal two very good years so we’d not be surprised to see the pace slow significantly […]

By |January 25th, 2019|

The Low Down on Retirement Accounts

Hello from Sycamore,

It’s that time of year again – if you are over 70 ½ and haven’t taken your Required Minimum Distribution (RMD) for the 2018 tax year, you can expect to be hearing from us!

What is an RMD?

An RMD is the minimum distribution you must withdraw from your retirement account each year.

When do I have to begin taking RMD’s?

You […]

By |December 5th, 2018|

The Market is Volatile – Is this Normal?

Hello from Sycamore,

If you have been watching the news lately, you have likely seen that the markets have been volatile. What should you do you ask? We believe it is best to stay the course. These recent, large single day declines may seem a bit spooky, but when we look at the big picture, these are to be expected with […]

By |November 13th, 2018|

Qualified Charitable Distributions – Summer 2018

Hello from Sycamore,

Qualified Charitable Distributions (QCD), a gift to charity may also be a gift to you:

A qualified charitable distribution is an otherwise taxable distribution from an IRA that is paid directly to the qualified charity. With the recent tax law changes and elimination of many itemized deductions, this may be the right year to ask us how this could […]

By |June 28th, 2018|

Tax Cuts and Job Acts – Spring 2018

Hello from Sycamore,

There are tax law changes that went into effect on 01/01/2018 and are set to expire on 12/31/2025. Sycamore, although not tax professionals, would like to point out some items that could have material affects to you. Below are some of the changes that may impact you – please consult a tax professional for advice and confirmation:

INCOME TAX […]

By |April 17th, 2018|

We Don’t Want To Brag but…

Hello from Sycamore,

Building the wealth of our clients means we focus on essentials and generally avoid the clutter associated with marketing ourselves as a firm. But sometime the news is so good that it becomes a genuine occasion to celebrate with our friends. We just had one of those moments.

In 1990 we began to manage separate accounts for our clients […]

By |May 5th, 2016|

Questions During The Bull Market

Stock prices have advanced significantly over the last few years causing several indexes to reach new all-time highs. This has generated a couple of questions that we have been discussing frequently with clients.

Question: Should you consider selling because the overall market indexes are making new all-time highs?
Answer: We don’t think so. Near the time that I started in this business […]

By |June 4th, 2014|

Reflecting on Recent Progress of Economy

As a general rule progress comes in very small increments. Whether we’re talking about the economy or learning to play a piano, often the day-to-day gains are barely measurable. We are primed to want “more…better…now” and as time passes we reassess our long-term investments, asking “what have you done for me… lately?” Frequently the best way to appreciate a financial […]

By |August 8th, 2013|

Diversification – June 2013

Asset Class Allocation

In March 2009 the market hit a low point (I’ll bet you still remember). Since then it has risen about 100% so we’re all feeling much better except for those ‘nagging memories’. During the last few months, as some markets have reached new all-time highs, we’ve had a lot of questions about valuations. “Is the market to high?” […]

By |June 7th, 2013|

Diversification – March 2013

More Good News

Recently the US Labor Department released the February ‘Jobs’ report and it shed additional positive light on our growing economy. The US private sector added 246,000 new jobs in February while the public sector lost 10,000 leaving a net gain of 236,000…more than anticipated. This helped reduce our nation’s unemployment rate to 7.7% and while that’s not yet […]

By |March 19th, 2013|

Fiscal Cliff Tax Changes – February 2013

Fiscal Cliff Tax Changes

The ‘fiscal cliff’ brought us a last minute tax law that most investors seem pleased with. During the month of January Sycamore’s Growth and Income composite gained nearly 6%. Your portfolio likely performed about as well. Of course we’re all fully aware that this pace will not continue but it’s a wonderful start for what we feel […]

By |February 21st, 2013|

2012 Review – January 2013

Two thousand and Thirteen! Yes it is…just like that another year has passed! And, we’d like to add, a very good year for share prices. It certainly seemed ‘nip and tuck’ for most of the year but the world did not end. Stories abounded throughout the year…Greece, presidential election, Mayan Calendar, and the “fiscal cliff” were all billed as the […]

By |January 20th, 2013|

Indiana Inheritance Tax Repeal

Good news on the tax front if you are an Indiana resident. And better still if you are an Indiana resident’s beneficiary. Indiana’s inheritance tax will be completely repealed by year 2022. Starting in the year 2013, the tax will be reduced by 10% each year until it phases out entirely by 2022.

The current tax rate for Class “A” beneficiaries […]

By |October 10th, 2012|