Advitica Financial Planning

This news about USAA is so disappointing. If a company won't go to bat for its customers when fraud is systemic on their platform, it is probably time to take your business somewhere else. https://news4sanantonio.com/amp/news/local/usaa-members-regain-trust-after-recouping-losses-from-growing-bank-fraud-issues-san-antonio-texas-investigation-money-savings

‘It's just a nightmare’: More and more USAA members who lost thousands of dollars are sharing their stories of fraud — say they’ve now lost trust in the bank — Moneywise.com One customer says fraudsters “were playing mind games” with his accounts.

The Social Security tax torpedo is real but the impact is on a narrow band of income: single individuals with income between $25,000 and $34,000 and joint filers with income between $35,000 and $44,000. A good financial advisor will have software that can model your income to understand if you are effected by this quirk of the tax code and if there are ways you can reduce its impact.

Opinion | Think You’ve Planned for Retirement? Beware the Tax Torpedo. (Gift Article) The complicated way Social Security is taxed can catch middle-income earners by surprise.

Are the recent market market swings a premonition of a big event? The financial press seems to want you to think so. But they don't know.

A better defense than trying to play roulette with stocks is to employ a diverse strategy that is more likely to have resilience in the face of various market environments. Of course with markets, there is no guarantee against loss!

Why the stock market is suddenly freaking out — CNN The narrative on Wall Street is shifting.

The Federal Reserve decided to keep rates where they are at their July meeting; however, the big news is they suggested they are likely to lower rates in September. Could be a good time to review the fixed income part of one's portfolio.

https://www.reuters.com/markets/us/fed-expected-hold-rates-steady-open-door-september-cut-2024-07-31/

The Fed sets the stage for a rate cut. What that means for your money — CNBC The Federal Reserve will keep rates where they are, for now — but the first cut in four years is on deck.

Charitable Giving would likely be helped if more people could take advantage of the tax benefits like the pandemic above the line deduction.

Are we actually in the middle of a generosity crisis? — Vox Did you donate to charity in the past, but no longer do so?

This documentary does an outstanding job of highlighting some of the most important research in financial science. It should be a foundational part of everyone's investment education.

Thankfully it was done by Academy Award winning documentarian, Errol Morris (Fog of War) who makes it an intriguing and interesting film to watch.

Here's a link to the film, Tune Out The Noise. The password is MARKETSWORK

Tune Out the Noise | Dimensional Tune Out the Noise is a film about how modern finance challenged Wall Street, leading to the founding of Dimensional and the evolution of client-focused advice.

A very interesting development to how home transactions will play out. This could lead to more transparency in terms of the fees paid and will likely reduce the fees many home sellers pay as they won't be required to pay the buyer's portion of the commission. On the other hand, many homebuyers may be unable to purchase a home due to this additional cost.

https://www.wsj.com/economy/housing/realtor-commision-settlement-new-rules-explained-bc634645 #

What to Know About the New Rules for Buying and Selling Homes — The Wall Street Journal Changes come after NAR settlement over claims that real-estate industry conspired to keep commissions high

Ever wonder where Jack Bogle got his ideas to establish index fund giant Vanguard? This article shares some of the backstory about the researchers that showed the inefficiencies of fund managers and a new approach to investing.

‘Anarchist’ Mac McQuown Started an Index Revolution 50 Years Ago Exactly 50 years ago on July 1, Mac McQuown and his team of academics created the first-ever index fund -- an innovation that would take a sledgehammer to the money-management establishment and evolve into a more than $11 trillion industry.

My furry Valentine!

Want to help your community and have your donation boosted? Give today through Give Local and make a difference!

Organizations like the Student Orchestras of Greater Olympia do a world of good for our kids by giving them an artistic space to develop and grow as musicians!

https://spsgives.org/o/community-foundation-of-south-puget-sound/i/give-local-2023/s/sogo2023

Might not want to buy certain easish to steal used Kias and Hyundais until they get things sorted out. https://apple.news/A8WxefHf1RyOdhQRaxJgWpA

Auto Insurers Drop Coverage of These 2 Vehicles Due to Ease of Theft — TheStreet A social media trend showing just how easy it is to steal these vehicles is forcing insurers to pivot.

Homelessness is a difficult and heartbreaking problem. I am not sure how to best solve it, but I can make an effort to do something. Making gifts to groups like the Union Gospel Mission, Community Lifeline, and Homes First is my way of being a part of a solution.

Today (Nov. 18) is the last day to have your gift proportionally matched by the South Puget Sound Community Foundation.

https://spsgives.org/o/community-foundation-of-south-puget-sound/i/give-local-2022/s/olympia-union-gospel-mission-ie6ackslo

Olympia Union Gospel Mission The OUGM exists to share the good news of life in Jesus Christ by meeting the mental, spiritual and physical needs of individuals in crisis.

https://spsgives.org/o/community-foundation-of-south-puget-sound/i/give-local-2022/s/student-orchestras-of-greater-olympia-noplwqphv

November 7-18 is the Give Local Campaign. Give local is a great way to contribute to local charitable organizations. Your donation is proportionally matched by the Thurston County Community Foundation!

Student Orchestras of Greater Olympia Lead * Inspire * Perform :|| Orchestrating lifelong participation in the arts.

Advitica Financial Planning updated their information in their About section.

Clark Howard has so many great resources for consumers on how to save money. As a NAPFA member, I agree with his recommendation of NAPFA (https://www.napfa.org/find-an-advisor?q=78701) as a great resource to find excellent financial advisors. https://clark.com/personal-finance-credit/investing-retirement/best-financial-advisors/?utm_source=Clark.com&utm_campaign=b9877ddd3a-Clark_Daily_Newsletter&utm_medium=email&utm_term=0_afa92deb83-b9877ddd3a-72549477

The National Association of Personal Financial Advisors The National Association of Personal Financial Advisors is the leading association of fee-only financial advisors. Visit us today to find an advisor near you.

Ways to Make a Difference on Earth Day and Every Day https://adviticafp.com/ways-olympia-residents-can-make-an-impact-on-earth-day-and-every-day/

Ways Olympia Residents Can Make an Impact on Earth Day and Every Day - Advitica How to Make an Impact on Earth Day

Happy Earth Day everyone! Here's a great new website I discovered created by moms that are dedicated to science and the climate. https://sciencemoms.com/

Science Moms We are a group of climate scientists and mothers who care deeply about the planet that our children will inherit. Together, we aim to demystify climate change, talk honestly about how it will affect our children and give moms the facts they need to take action.