Blog

Annual Financial Check-Up: 6 Housekeeping Items to Check Off Your List

Just like getting the oil changed in your car on a regular basis, it’s a good idea to check on your financial house to be sure everything is in order. Here are a few items to review every year to be sure they are working in your favor: Personal spending plan – if you are not following a spending plan yet, create one and follow it. Cash flow is the cornerstone of achieving financial goals such as retirement and funding…

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Journey Tree Plants Trees!

In April the Journey Tree team got their hands dirty planting trees with Friends of Trees on 18th and Oak. They helped plant 10 trees in the area as part of the Trees for Concrete program. The Trees for Concrete program consists of removing big chunks of unnecessary sidewalk, bringing in new soil, and planting trees appropriate for the site. Benefits of trees in the city: Reduce noise Filter the air and water Decrease stress and improve mood Add beauty…

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Market Commentary – June 2019

As of June 26th, all the major indices were up for the year-to-date (YTD), but while Q1 was overwhelmingly positive for all the asset classes, volatility and uncertainty have returned in May and thus far in June. In fact, the only consistent upward trajectory, in terms of price, has been experienced by the two bond indices, U.S. and Global. The stock market had a strong reaction in May to: Brexit – Theresa May indicated at the end of May that…

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Market Commentary – March 2019

What a rollercoaster ride! After dropping nearly 20% from early October to Christmas Eve, the S&P 500 stock market average has dramatically rebounded in the roughly two months since. That leaves the US stock market within about 5% of its all-time high achieved last year and close to its level of a year ago. While the market is not exactly a bargain at this level there are sectors that have become more attractive and better values found in some overseas…

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Qualified Charitable Distributions & Taxes

New tax laws have changed how people can make charitable contributions in 2019. Now that the standard deduction has more than doubled, itemizing deductions no longer make sense for most tax payers. For those over 70 ½, are required to take a required minimum distribution (RMD), and want to make a charitable contribution to an eligible organization might think about making a “Qualified Charitable Distribution” (QCD). A QCD is a charitable contribution made directly from your qualified IRA. Instead of…

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Weathering Market Turbulence

By Irina Pack On a particularly stormy morning (Tuesday, Dec. 18th to be exact) here in Eugene, as the rain poured heavily and the strong wind whipped everything from side to side, I clung to my umbrella with both hands. Despite the fact that I managed to hold on to my umbrella and keep my head and upper body dry, my lower body was covered with rain drops. It occurred to me, as I stepped into the office, that this…

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Market Commentary – December 2018

Navigating the Rapids Our goal with investing for our clients is to help them arrive safely at their destinations in life. It’s a bit like taking a raft trip down a river. You have to read the river and make judgements along the way to minimize dangers. There are tricky rapids to negotiate, boulders to avoid, and placid stretches to be enjoyed. In reading the river today we can see that: We’ve had a relatively smooth ride for almost a…

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The Great Generational Transfer of Wealth

America is in the midst of the largest transfer of wealth in its entire history.  Over the next decade or so trillions of dollars will be changing hands.  To help you make the most of an inheritance here are some pointers on what to do: Take a deep breath – most of the time suddenly finding yourself with a substantial amount of money means that an emotional event has occurred either through loss, divorce, or some other life event.  Take…

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Market Commentary – August 2018

Year to date, US stocks (S & P 500) are up a little under 7%, Real Estate Investment Trusts are up 1%, while US bonds and international stocks are down .84% and 4.52% respectively. YTD The American economy seems to be holding up well as evidenced by much higher corporate profits and lower unemployment. However, the price of many stocks is still elevated and have gotten ahead of earnings.  What is more, there are a number of potential concerns lurking…

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Crime Scene Tape

Identity Compromised?

If you or someone you know has become a victim of identity theft, here are a few steps which should be taken immediately: Check for and clean computer of any malware. Change passwords for all services: email, social media, financial sites, etc. Place a fraud alert with one of the credit agencies: Experian, TransUnion, or Equifax. Contact Journey Tree to make us aware so we can contact TD to have additional security measures added to your accounts. For additional assistance…

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