ATLas Investment Advisors

🚀 We’re Growing! 🚀

We’re thrilled to welcome Mary Jackson as our new Chief Operating Officer! With over 20 years of experience in the financial services industry, along with an MBA and a Master of Science in Finance, Mary brings an incredible wealth of knowledge and expertise to our team.

Mary will be leading our daily operations, ensuring that our clients continue to receive the exceptional level of service they’ve come to expect. Her strategic vision and dedication make her a fantastic addition, and we’re excited to see the positive impact she’ll have on our firm as we move forward into the future. Welcome aboard, Mary!

There are a lot of myths out there about the Traditional vs. Roth retirement account debate! While some folks might champion "always Roth!" without considering all the factors, this article does a fantastic job of explaining everything you need to know. Give it a read!

Why Pre-Tax Retirement Contributions Are Better Than Roth In Peak Earning Years There's a common thinking that those saving for retirement should avoid pre-tax retirement accounts and contribute to Roth – regardless of tax bracket.

The National Public Data breach is a good reminder of why you should freeze your credit.

We recommend credit freezes to all clients to prevent anyone from opening a new credit line in your name. The process is almost painless. You should freeze your credit at all three bureaus:

https://www.equifax.com/personal/credit-report-services/credit-freeze/

https://www.transunion.com/credit-freeze

https://www.experian.com/freeze/center.html

Send a message to learn more

"There simply is no place for certainty in fields that are influenced by psychological fluctuations, irrationality, and randomness. Politics and economics are two such fields, and investing is another. No one can predict reliably what the future holds in these fields, but many people overrate their ability and attempt to do so nevertheless. Eschewing certainty can keep you out of trouble. I strongly recommend doing so."

The Folly of Certainty The impetus for my memos can come from a wide variety of sources. This one was inspired by an article in The New York Times on Tuesday, July 9. What caught my eye were a few words in the sub-headline: “She doesn’t have any doubt.” The speaker was Ron Klain, a former Biden chief of staff. T...

Interesting chart showing how abnormally calm the stock market has been since this most recent correction.

The last time the S&P 500 dropped more than 2% was 512 days ago US stocks have climbed steadily this year, up 19% so far

Happy Fourth of July!

https://www.ajc.com/news/health-news/older-americans-say-they-feel-trapped-in-medicare-advantage-plans/CIBEFK6KL5DZPERTXOG6V2LUHQ/?utm_source=Iterable&utm_medium=email&utm_campaign=campaign_6389749

Older Americans say they feel trapped in Medicare Advantage plans In 2016, Richard Timmins went to a free informational seminar to learn more about Medicare coverage.

https://www.wsj.com/personal-finance/taxes/to-lower-your-taxes-in-2024-make-these-moves-now-40404607

To Lower Your Taxes in 2024, Make These Moves Now New Year’s tax resolutions to unlock savings

https://www.cnbc.com/select/how-529-college-plans-become-more-valuable/

529 plans are now a lot more valuable — here’s how to take advantage of the new benefits In addition to college tuition, 529 plans can now be used for retirement.

Great article from AQR on why we shouldn't invest looking through the rearview mirror.

Driving with the Rear-View Mirror U.S. equities enjoyed a banner past decade. To analyze what assumptions investors need to have about the next ten years to expect a repeat performance, we decompose U.S. equity market excess-of-cash returns into four components – dividend yield, real earnings growth, multiple expansion, and the re...

Wishing you a holiday full of hope, love, and light! Happy Hanukkah!

Grateful for all of the “ships” this group of planners has given us. Here is to friendships, endless mentorship, and growing relationships!

Yesterday was a good reminder of why you cannot time the market. Time in the market is the only thing that matters.

What Happens When You Fail at Market Timing | Dimensional It’s hard to predict the best days in the markets, and the cost of missing them is high.

Great article on why buying high-valued Growth stocks may be a bad idea....

https://www.wisdomtree.com/investments/blog/2023/07/28/performance-after-peak-valuation-navigating-the-tech-sectors-high-multiples

Performance after Peak Valuation Navigating the Tech Sectors High Multiples | WisdomTree Individual investors who register can access dashboard, daily blog posts, latest videos, podcasts and stay current with industry insights. On top of that, Financial Professionals get additional access to the tools, technology, resources and support they need to take the business to the next level.

https://www.morningstar.com/retirement/good-news-safe-withdrawal-rates

The Good News on Safe Withdrawal Rates Our annual study suggests that new retirees can spend more from their portfolios.

Why market timing doesn't work - https://www.cnbc.com/2023/11/08/market-timing-doesnt-work-sp-500-14percent-rally-explained-by-just-8-days.html

Why market timing doesn't work: S&P 500 is up 14% this year, but just 8 days explain the gains The cost of not being in the market on the most important days is devastating to a long-term portfolio.

IRS Delays Mandatory Roth 401(k) Catch-up Rule until 2026

IRS announces administrative transition period for new Roth catch up requirement; catch-up contributions still permitted after 2023 | Internal Revenue Service IR-2023-155, Aug. 25, 2023 — Today, the IRS announced an administrative transition period that extends until 2026 the new requirement that any catch-up contributions made by higher income participants in 401(k) and similar retirement plans must be designated as after-tax Roth contributions.

When was the past time you reviewed your estate plan?

https://www.youtube.com/watch?v=v_qN4JcVCQ4

Wealth, Inheritance, and the $40 Trillion Tsunami | David York | TEDxSaltLakeCity Inherited wealth. Is it a powerful tool or a destructive weapon? David York argues it can be both, depending on how you define and use it. In this mind-expan...