The financial services industry has a bad habit of using terms that can seem vague and confusing to clients. There is probably no place where this confusion is greater than how an advisor is compensated. Additionally, the term fiduciary is tossed around by the media quite a bit. However many investors don’t fully understand what […]
A January reminder on how we make decisions when markets are uncertain — and why coordination matters most when pressure increases. The past year was a reminder that markets rarely move in straight lines. Narratives shifted quickly, volatility resurfaced at times, and investors were repeatedly challenged to decide whether to react or remain disciplined. We […]
As part of recently enacted federal tax legislation, several important updates are taking effect over the next few years. Many of these changes impact retirees or those approaching retirement, and we wanted to highlight the provisions most relevant to our clients. Overall, the new law makes many of the 2017 tax rules permanent, introduces a […]
As you approach age 65, Medicare becomes a major part of your retirement healthcare planning. The rules can feel confusing at first — especially around enrollment timing, what’s covered (and what’s not), and how Medicare works if you’re still employed. Below is a clear, practical overview to help you understand the essentials before making any […]
In recent weeks, the Federal Reserve made its first move of this year, cutting interest rates by 0.25%. Markets expect additional cuts in the coming months as inflation trends lower and signs of a cooling labor market emerge. The economy, however, continues to show resilience. Equities: U.S. stocks remain near record highs, supported by strong corporate […]
As we close out summer and look toward the remainder of 2025, now is an ideal time to pause, review your financial picture, and make adjustments where needed. Markets have been active, interest rate expectations are shifting, and personal circumstances often evolve as the year goes on. By taking a thoughtful look at your investments […]
When people think of estate planning, they often jump straight to wills or trusts. But one of the most overlooked—and most impactful—parts of an estate plan is simply how your accounts and assets are titled. Beneficiary designations and legal titling on accounts/ property take precedence over what’s written in your will or trust. That means […]
Market swings can feel like a rollercoaster, but they can also unlock hidden opportunities. Recent volatility has left many investors uneasy, yet it opens the door to strategic moves like tax-loss harvesting—selling losing investments to offset taxable gains. This technique can lower your tax bill and boost your aftertax returns, strengthening your portfolio for the […]
A Message from Canty Financial Tax season is in full swing, but tax planning isn’t just about filing—it’s about long-term strategy. Whether you're still working or fully retired, making smart moves now can reduce your lifetime tax bill, minimize investment drag, and preserve more of your wealth for the future. Below, we outline key tax […]
Managing investment risk is one of the most critical elements of building and maintaining long-term wealth. At Canty Financial, we don’t see risk as something to avoid entirely; rather, we view it as a factor to balance based on your financial goals, time horizon, and comfort level. This article explains how we approach investment risk […]
As the year winds down, it's the perfect time to reflect on your financial progress and take advantage of key opportunities that can help you optimize your financial health. Year-end planning is not just about organizing your finances; it's about setting yourself up for success in the coming year. In this edition, we’ll guide you […]
