Hybrid securities occupy a space between traditional stocks and bonds. These investments combine income producing features of debt with the growth potential of equity. Companies issue hybrid securities to raise capital while maintaining financial flexibility. Preferred stock represents one of the most common hybrid securities. It typically pays a fixed
Financial markets produce a constant stream of headlines that react to daily price movements, economic data, and global events. News cycles and social media amplify this information, creating a sense of urgency that can feel difficult to ignore. However, short term market noise rarely provides useful insight for investors with
Choosing where to hold short term cash plays a critical role in financial planning. High yield savings accounts, certificates of deposit, and money market funds all offer ways to earn interest while prioritizing capital preservation. Each option serves a distinct purpose. A high yield savings account offers accessibility and simplicity.
Many people consider annuities as a way to generate steady income during retirement. A $500,000 annuity can provide predictable monthly payments, but the exact amount depends on several factors. Understanding how annuities work and evaluating whether they match your financial goals is essential before making a decision. How Annuities Work
Many people consider annuities as a way to generate steady income during retirement. A $500,000 annuity can provide predictable monthly payments, but the exact amount depends on several factors. Understanding how annuities work and evaluating whether they match your financial goals is essential before making a decision. How Annuities Work
“We buy a new truck every year to reduce our taxes.” I hear some version of this all the time from business owners. Just the other day, a client called me and said,“Stephen, I’ve got $300,000 of profit I need to write off. What are some good things I can
A Health Savings Account, or HSA, offers families more than just a way to pay for medical expenses. With the right strategy, it can become a powerful tool for long-term wealth building. Many people think of an HSA only as a healthcare account, but it also provides unique tax advantages
Imagine this. You inherit a quarter-million dollars, $250,000, while juggling two kids, $3,000 daycare bills, and a baby due in January. That was the reality for a couple I met with last week. They weren’t popping champagne or shopping for new cars. They were asking a different kind of question:
“What happens to my investments if the world goes sideways?” That’s what Mary asked me last week, right after she finished running a client’s therapy session and doom-scrolling through her three-page news feed. The headlines were bleak, and like many smart investors, she wanted to know what to do when
Every once in a while, I meet an investor who’s “too successful” with a single stock. Maybe it’s Apple, Nvidia, or Tesla — one of those household names that’s grown 10- or 20-fold over the years. It’s an incredible story, but it also creates a problem: how do you diversify