Insights | KAR

Tax rates are projected to rise and could remain higher for a longer time period. A low tax rate environment presents unique timing for clients to evaluate whether a Roth IRA conversion may be a beneficial wealth preservation tool. Converting part or all of the balance of a Traditional IRA or Rollover IRA to a Roth IRA at current lower tax rates could potentially shield more wealth and lower future tax obligations.

Conversions allow high net worth individuals who have compensation income above

Insights | KAR

We believe a good wealth management strategy prepares for planned and unexpected liquidity needs. In our experience, one of the most flexible liquidity options may be borrowing against the value of your own taxable non-retirement investments versus selling appreciated assets that may trigger an unwelcome taxable event. Securities based lending (SBL) and margin accounts allow investors simple, convenient access to a line of credit using their investments as collateral at what are typically lower

Insights | KAR

Identity theft can be damaging and unsettling. Protecting and safeguarding your financial and personally identifying information is the best way to prevent identity theft and fraud. Act today using the following tips:

We use computers daily to conduct a myriad of tasks and personal business. Take time to secure your digital accounts with the highest levels of security.
• Make sure your computer has strong anti-virus protection1
• Use a long pass phrase including letters, numbers, and symbols fo

Insights | KAR

There are many life lessons parents provide children. One of the most important may be teaching kids about money and investing.


Financial education for kids doesn’t have to be complicated. In fact, it is better to keep it simple and start early. You can help young children understand the value of money with a piggy bank in that they can add money to it and observe its growth over time. Allow them to purchase something with their savings so they understand how money is used and how much money

Insights | KAR

The second quarter of 2022 continued to pose a challenging environment for investors with the S&P 500 Index entering official bear market territory and both stocks and bonds declining for two consecutive quarters. Spikes in inflation were felt around the world with gas, energy, and food prices increasing. In a response to combat inflation, the Federal Reserve enacted a rate hike in June with an expectation set for additional increases to come. A slowdown and/or a recession is becoming increasing

Insights | KAR

What Happens Next?

Financial market observers study historical events and look for parallels that may portend similar outcomes to present day scenarios. Inflation is the current past-to-present market obsession that investors have not had to address for decades. This time, however, comparing inflation past-to-present may not be the most useful historical parallel to determine what comes next.

Where We Are Now

Today’s inflation emerged from the pandemic, which caused lockdowns, supply chain ch

Insights | KAR

After a brief rally in July, equities declined at the end of August following another Federal Reserve announcement to continue to raise interest rates. The S&P 500 Index declined 4.08% in the month, while the Russell 2000 Index of small capitalization stocks dropped 2.05%. Growth stocks declined for the month, with the Russell 1000 Growth Index underperforming the Russell 1000 Value Index. The level of uncertainty remains elevated for the global economy until there is more clarity on inflation,

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