Bristlecone Value Partners

A very alarming chart... and some tips on how to stay safe online on our website: https://bristlecone-vp.com/blog/a-few-tips-to-keep-you-safe-online

Are you a new French expat or immigrant? Félicitations! As you embark on this new chapter, it's essential to understand the financial landscape and make informed decisions about your personal finances. This guide aims to provide you with an overview of key aspects to consider, from health insurance to retirement planning: https://conta.cc/4dJhISE

Welcome to America: A Guide to Personal Finance / Bienvenue en Amérique : un guide des finances personnelles Congratulations on your move to America! As you embark on this new chapter, it's essential to understand the financial landscape and make informed decisions about your personal finances. This guide aims to provide you with an overview of key aspects to consider, from health insurance to retirement p...

By embracing these tools, you can save time and money and gain better control over your finances. You will also reduce the odds of being the victim of identity fraud. If the list feels overwhelming, start slowly and choose tools that align with your specific financial and privacy goals, and comfort level with technology. https://conta.cc/4bsy2oE

Make It Easier and Safer to Manage Your Finances These 7 Technology Tools Can Help View as Webpage 7 Technology Tools People Should Use To Make Their Finances Easier And Safer To Manage   Dear Jean-Luc, By embracing these tools, you can save time an

When it comes to passwords, simplicity is NOT key.

Your easy-to-remember password may be putting you at risk—from our phones and computers to our emails and financial information, passwords/passphrases guard essential parts of our lives. This , the encourages you to strengthen your passwords and protect yourself and those you love from hackers with good cyber habits, like:

✅ Including special characters in your passwords
✅ Upgrading simple passwords to passphrases
✅ Set up multi-factor authentication for your accounts

Helpful information from a trusted source:

How to Save Big on Your Car Insurance - Consumer Reports CR shows how to save on car insurance and shares what to know about liability coverage, defensive driving, dividend policies, driver monitoring, and more.

"The data are clear: Women are much more likely than men to have a savings shortfall in retirement.

It's more important than ever that women take steps to ensure their retirement savings stay on track. A few well-planned adjustments can significantly help stave off financial hardship in the long term."

5 Steps Women Can Take to Stave off a Retirement Shortfall Use these questions to get started.

Introduced in 1998, the Roth IRA revolutionized retirement saving, offering tax-free investment growth. Over the last 25 years, limits increased, income caps adjusted, and conversion rules eased, making it attractive to savers at all levels. Now, investors have five avenues to leverage Roth accounts for tax-free compounding.

Unlocking the Power of Roth IRAs: Maximize Your Returns with One of the Best Tax Shelters! Introduced in 1998, the Roth IRA revolutionized retirement saving, offering tax-free investment growth. Over the last 25 years, limits increased, income caps adjusted, and conversion rules eased, making it attractive to savers at all levels. Now, investors have five avenues to leverage Roth accounts...

It pays to do your homework before:

Retiring Before 65? Make Sure to Know Your Healthcare Options Leaving work four years before starting Medicare can drain $100,000 or more from retirement savings. It pays to consider all the possibilities.

Retiring abroad does create complex personal finance issues regarding cross-border payments, investments, taxes, and healthcare decisions. This 2-part article highlights the broad financial implications and some of the potential pitfalls: https://bristlecone-vp.com/blog/retiring-abroad-what-are-the-financial-implications-part-1

Contact Us | Bristlecone Value Partners Ready to start planning for your financial future? We are here to help, so please feel free to reach out with any questions or to get started!

On behalf of everyone at Bristlecone Value Partners, we would like to wish you and your family a happy and healthy holiday season.

Here’s to a peaceful 2024 that shines bright for us all!

Want to lower your car insurance costs? Check where your favorite car ranks:

Ram, Tesla and Subaru Have the Worst Drivers | LendingTree Our analysis uses QuoteWizard by LendingTree insurance quote data to determine which car brands have the worst drivers.

Check out the top three blog and social media posts that really resonated with our readers and followers in 2023: We covered topics like maximizing the tax benefits of giving to charity, gaining insights into the wide array of services offered by financial advisers, and ensuring a worry-free retirement without outliving your assets. Here's to a prosperous 2024!

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Our 3 Most Popular Posts of 2023 View as Webpage Our Most Popular Posts of 2023 Check out the top three blog and social media posts that really resonated with our readers and followers in 2023! We covered topics like maximizing the t

Wondering how much can you spend in retirement without running out of money? Before answering, consider these four primary factors.

How Much Can I Safely Spend from My Portfolio? Wondering how much can you spend in retirement without running out of money? Before answering, consider these four primary factors.

A timely review of your Medicare options from the New York Times. Open enrollment ends on December 7th!

Medicare Enrollment Guide: 2024 Edition (Gift Article) Open enrollment for Medicare plans began on Oct. 15 and ends on Dec. 7. Here’s what older Americans need to know about shopping for health insurance.

Don't miss out!

Don't Miss Out on HSA Account Tax Benefits During Open Enrollment For high-income investors, the high-deductible healthcare plan/HSA combo is close to a no-brainer.

A useful checklist for, whether you’re 25 or 95, to make it more likely that you can grow old the way you want to:

A simple checklist to plan for your old age, today Four not-so-scary steps to take to give yourself peace of mind.

Worried about coping with inflation during retirement? This NY Times article does a good job explaining what your options are.

How to Protect Your Retirement From Nagging Inflation (Gift Article) Social Security’s cost of living adjustment, coming next week, helps retirees keep up with their bills, but there are other strategies for coping.

An important reminder!

A Tax Break Worth the Hassles Older Americans can still reap tax breaks from donating to charity, even if they aren’t itemizing deductions. The secret: a ‘qualified charitable distribution’ from atraditional IRA.

In financial services, the landscape can be quite perplexing, with various titles and roles for professionals assisting investors in managing their assets.

Whether you're embarking on the quest for a financial adviser for the first time or have been working with one for years, it's beneficial to grasp the primary categories and what these professionals can offer you:

What Do Financial Advisers Do? Whether you're embarking on the quest for a financial adviser for the first time or have been working with one for years, it's beneficial to grasp the primary categories and what these professionals can offer you.

If you are among the millions of Americans working overseas or deciding to retire abroad, you must incorporate currency considerations in your investment portfolio and financial plans. Few realize it until it’s too late. Yet, some easy-to-implement solutions can help.

Managing Currency Risks When Moving or Living Overseas If you are among the millions of Americans working overseas or deciding to retire abroad, you must incorporate currency considerations in your investment portfolio and financial plans. Few realize it until it’s too late. Yet, some easy-to-implement solutions can help.

QCDs (Qualified Charitable Distributions) are not widely utilized but can be very beneficial to taxpayers aged 70 1/2 or older, who are charitably inclined and carry high IRA balances.

QCDs – An Underutilized Philanthropic and Tax-Planning Tool QCDs (Qualified Charitable Distributions) are not widely utilized but can be very beneficial to taxpayers aged 70 1/2 or older, who are charitably inclined and carry high IRA balances.

Many guides to choosing an advisor focus on asking questions about the advisor: compensation, experience, fiduciary status, etc. While this is important, we agree that the first step in finding an advisor involves understanding the type of help and working relationship you might need. This article provides an excellent guide.

Ask Yourself These 5 Questions Before You Look for a Financial Advisor Understand what you need, so an advisor can meet your needs.

HOW SAFE IS YOUR MONEY?
The funds held by your bank are protected by the FDIC (Federal Deposit Insurance Corp). If your bank fails, you will be made whole, subject to limits and exclusions: 1) The insurance covers checking, savings accounts, money market accounts, and CDs; 2) It covers up to $250,000 per depositor and ownership category; 3) It does NOT cover mutual funds, stocks, bonds, money market funds, and other securities.

Investors also have several layers of protection if the brokerage firm that holds their stocks, bonds, and mutual funds runs into trouble. First, brokerage firms registered with the Securities and Exchange Commission (SEC) must be members of the SIPC (Securities Investor Protection Corp). Again, the coverage has limits and exclusions: 1) It only protects investors in case of insolvency or fraud, NOT against market losses; 2) It covers investors for up to $500,000 in securities and up to $250,000 in uninvested cash per type of accounts (IRA, Roth IRA, etc.); 3) It does NOT cover investments not registered with the SEC.
Next, the SEC has strict rules about segregating your securities. In a bankruptcy, the firm's creditors would have no claim on your assets. Finally, brokerage firms frequently purchase "excess" coverage to increase the amount insured.

Timely advice...

Advice | Four money rules when financial news is making you nervous Bank failures. Higher interest rates. High inflation. All this can make you lose your financial balance. But panicking can make things worse.

A startling new research study has found that simply talking to a financial advisor may be enough to dramatically boost people’s savings rates.

Will financial advice help me save more for retirement? New research shows a dramatic impact on savings rates after speaking to a financial adviser.

Lower penalties but an illustration of the importance of remembering to report your foreign accounts for all of you dual citizens out there!

Supreme Court Rules In Taxpayer’s Favor On FBAR Penalties Alexandru Bittner, a Romanian–American dual citizen, made a mistake when he failed to report his foreign accounts. But how much he should pay for that mistake? The answer to that question is $50,000 or $2.72 million—depending on who you ask.

Forewarned is forearmed

A Basic iPhone Feature Helps Criminals Steal Your Entire Digital Life The passcode that unlocks your phone can give thieves access to your money and data. “It’s like a treasure box.”

Portugal joins clampdown on ‘golden visas’ for wealthy Lisbon follows Dublin in scrapping right of non-Europeans to claim residency in return for investment

As a U.S. citizen living abroad, you are subject to U.S. income tax on your worldwide income as if you were living in the States (...) Often overlooked, however, is the requirement to keep filing a state tax return from overseas...

What You Should Know About State Taxes Before Moving Abroad As a U.S. citizen living abroad, you are still subject to U.S. income tax on your worldwide income. Often overlooked, however, is the requirement to keep filing a state tax return in some cases.

These are the 3 blog or social media posts most popular with our readers and followers during 2022... Here's to a prosperous 2023! https://conta.cc/3Cd7ad5

Our Most Popular Posts of 2022 View as Webpage Our Most Popular Posts of 2022 These are the 3 blog or social media posts most popular with our readers and followers during 2022. Not surprisingly, they had to do with reducing the im