The tax-code has favorable rules for those with realized losses in taxable accounts by allowing them to offset realized capital gains and ordinary income.

Any losses realized in excess of capital gains can reduce one’s ordinary income by up to $3,000 annually and can be applied to future gains and ordinary income.

When the market falls, investors receive an opportunity to generate tax savings and potentially rebalance their account at a discount.

The first six months of 2022 have been painful for investors, but there are some silver linings to the market’s selloff.

It is important to maintain perspective when it comes to the financial markets; even with the selloff this year, most investors have benefited from past gains.

Investment success is determined by how one reacts to turmoil and market selloffs; maintaining composure gives the best odds of getting through a downturn.

Investors are grappling with two contrasting worries that inflation is too high, and the economy will weaken.

The challenge for central bankers is to cool inflation without upsetting the economy, which has been difficult to achieve in the past.

When the market hits a rough patch, it’s important to stick to your plan. It may also be worth looking for opportunities for tax-loss harvesting or a Roth conversion.

Investor sentiment is sitting at lows last seen in the global financial crisis as inflation, geopolitics, and China’s Covid-19 policy have consumed markets. In turbulent times like now, our emotions can cloud our rationality. Time in the market is more productive than timing the market. Investing success comes from focusing on what one can control, particularly asset allocation and investment strategy.

There were few places to hide in the first quarter. Stocks and bonds both declined while commodities spiked. The recent experience in bonds has been one of the worst on record. But does that mean we should give up on bonds? We offer our thoughts on navigating the bond market rout.

Russia’s invasion of Ukraine is likely to be the most significant war in Europe since World War II. Historically, the stock market has weathered global conflict well. While the human toll is tragic, the conflict has created opportunities for those willing to take a long view.

January was a bruising month for global stocks, particularly U.S. indices, with markets focused on uncertainty around monetary policy. Given recent steady gains, volatility feels unnerving, but it is important to remember that volatility is part of a normal, healthy financial market. Higher interest rates are not a bad thing for stocks; stocks performed well in past periods of higher rates. In times like these, it is important to remain anchored in a long-term investment strategy.

2022 brings several key changes that may affect financial planning. Changes to key contribution limits, income phaseouts, and required distributions for IRAs, 401(k)s, and health savings accounts (HSA) could impact you. Inflation was a hot topic in 2021. As a result, social security benefits also saw a noticeable bump this year.

2021 was an odd year. The stock market looked through all the worries, returning double-digits for the third straight year and finishing at a “cheaper” valuation than at the beginning. A rise in bond yields and a lower valuation on stocks implies better-expected returns, but anything can happen in a year’s time. There is usually at least one 10% correction in stocks every year. That may cause indigestion, but it shouldn’t upset your financial plans.

A media blitz reporting a breakout of the new Omicron variant triggered a selloff in stocks and risky assets in November. The bond market isn’t concerned with long-run high inflation. This is in contrast to the latest inflation reports in the media. The bout of inflation seen today is largely a result of a jump in the price of goods relative to services. We believe it’s unlikely to continue.