Breiter Capital Management - Anna Maria, FL

 

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Tuesday, August 15, 2017

If you watch the news, it can seem like the world is falling apart. The media is known for its sensationalized headlines and negative reporting so it’s easy to get discouraged about where our world is going. But sometimes a...

 

Sunday, August 13, 2017

With over 200,000 financial advisors across the country, how do you know which one will be the right fit for your situation and personality?1 The financial advisor you choose to handle your family’s wealth will have a significant...

 

Tuesday, July 25, 2017

At Breiter Capital Management, we’ve been fortunate enough to experience growth in our business over the years developing relationships with our great clients. Even though we’ve grown and expanded our services, our mission...

 

Wednesday, July 12, 2017

You might have heard the word “fiduciary” in the news lately. The concept of a fiduciary can be confusing, as many people assume that all advisors, whether they are stockbrokers or financial planners, are required to act in...

 

Thursday, June 22, 2017

When it comes to personal finance, the rule that you often hear over and over is to spend less than you earn. But after budgeting and working hard for decades, you may find yourself in the enviable position of accumulating more money...

 

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Wednesday, June 14, 2017

When do you want to retire? When you are 60? 65? 70? Like many of us, you probably have a retirement bucket list and are dreaming about reaching this milestone. But have you figured out how much you need to save to retire when you want...

 

Thursday, May 25, 2017

You may be seeing a lot in the news lately about what to do when the market goes down. For the last several years people have been vehemently predicting a market downturn, but the market doesn’t seem to care. It just ignores them...

 

Monday, May 15, 2017

You likely use GPS and Google Maps to get everywhere you need to go in your car. But what about your financial journey? Will you run out of money? Will you have enough for healthcare costs in retirement? Working on a wealth plan is...

 

Wednesday, April 12, 2017

The stock market is a great place to invest, but it can give investors big ups and downs. One downside is that when markets are down, investors often make poor decisions that hurt their long-term investment outcomes. Alternative...

 

Wednesday, March 22, 2017

Many advisors think they can time the market or predict big economic changes. But research has shown that there is no way to predict when the market will go up or down. At Breiter Capital Management, we use fact-based investing. We...

 

Thursday, February 9, 2017

When most people think of investments, they think stocks and bonds. But there is a whole world of investments out there beyond the conventional asset classes. The majority of investors are simply unfamiliar with the myriad of...

 

Thursday, January 26, 2017

Yale University is well known as one of the most elite and prestigious universities in the entire world. But now they are gaining prominence for a new and unexpected thing thanks to David Swensen, their longtime Chief Investment...

 

Saturday, January 7, 2017

Do you often find yourself worrying about your finances and future retirement? If so, you aren’t alone. Americans’ fears regarding their lifestyle, medical bills, and retirement continue to increase each year. More than 50%...

 

Wednesday, December 14, 2016

Didn’t we just usher in 2016? Believe it or not, we are already approaching the final weeks of this year and heading into 2017! December can be a celebratory time of year as we enjoy the holidays and get caught up in the...

 

Tuesday, November 15, 2016

You probably understand the importance of creating a retirement plan and saving to ensure that you’ll have enough to live on once you retire, but have you ever considered how long you will need those savings to last? How can you...

 

Thursday, November 10, 2016

After a tumultuous and dramatic election season, the results are in. This election was certainly one for the history books. Because both polls and markets had expected a Clinton victory, the markets are reeling from the surprise...

 

Monday, October 17, 2016

Happy Halloween from Breiter Capital Management! What a crazy time it has been recently, with hurricane Matthew and plenty of election drama. Now Halloween is on the way! For many, it’s hard to deny the thrill of carved pumpkins,...

 

Wednesday, August 31, 2016

“Am I on track for retirement?” Every working person has asked themselves this question at one point or another. In 2014, only 18% of workers expressed retirement confidence. That means that the vast majority of people, 82%...

 

Monday, August 15, 2016

Are you confident about your retirement prospects, or does a review of your savings leave you on edge? The Employee Benefit Research Institute’s 2016 Retirement Confidence Survey found that only 21% of American workers are very...

 

Tuesday, August 2, 2016

When the markets are as fickle and confusing as they have been over the past several years, even the most patient investors may come to question the wisdom of the investment strategy they have been following. Not only that, but life...

 

Tuesday, August 2, 2016

When the markets are as fickle and confusing as they have been over the past several years, even the most patient investors may come to question the wisdom of the investment strategy they have been following. Not only that, but life...

 

Tuesday, July 12, 2016

Many of those approaching retirement have not fully considered how their Social Security benefit will affect their overall financial plan. Although Social Security was created during the Great Depression as a retirement safety net,...

 

Tuesday, June 28, 2016

Our role as investment advisors goes beyond providing advice and building financial plans. An integral part of our job lies in our commitment and responsibility to our clients, which involves the experience our clients have in working...

 

Tuesday, June 7, 2016

At Breiter Capital Management, I often help people through financial crises including divorce, the death of a spouse or parent, the loss of a job, or even receiving a financial windfall. During my career, I’ve seen people make...

 

Thursday, June 2, 2016

Last month, we discussed the costs of long-term care here in Florida. Since almost 70% of today’s 65-year-olds are going to need some form of long-term care1, it is important to have a plan to pay for the costs. For most people,...

 

Monday, May 2, 2016

Our business is different from other businesses in a few ways, but perhaps one of the main differences is how we grow and flourish. Simply put, at Breiter Capital Management, we run on referrals, and we are grateful for them. Your...

 

Monday, May 2, 2016

On Monday, October 24, 2005, Hurricane Wilma caught many Floridians by surprise. Strengthening when it was supposed to weaken, Wilma brought gusts of wind up to 123 mph and several inches of rain. Six million people were affected when...

 

Friday, March 25, 2016

After almost 30 years spent working in the financial services industry, I’ve seen a lot of investment fads come and go. The media gets excited about new ideas and strategies that never seem to stand the test of time. During my career,...

 

Friday, March 25, 2016

Many of my clients have built up a healthy investment portfolio and have confidence in their financial future. They’ve been saving and investing so long that it has become second nature. But what about the young people in your life? Do...

 

Tuesday, March 8, 2016

As April 15th approaches, many of us are scrambling to get the last of our tax documents in order. But don’t forget that you also have until April 18th to contribute to your IRA for tax year 2015. At first glance, IRA...

 

Thursday, March 3, 2016

Health Savings Accounts, or HSAs, offer a way to get special tax treatment towards saving money for medical expenses that are not covered by insurance. It’s important to optimize your HSA to make the most of your tax savings. You...

 

Tuesday, March 1, 2016

In 2003, the government established Health Savings Accounts (HSAs) as a way for people covered under high-deductible health plans (HDHPs) to get special tax treatment towards saving money for medical expenses not paid for by their...

 

Monday, February 8, 2016

With a passion for serving my country and a desire to see the world, I joined the Navy soon after I graduated from high school. After 9 years of service mostly spent on submarines, I felt ready for a change. Having majored in...

 

Monday, January 11, 2016

In retirement planning today, researchers and investors typically consider the accumulation and distribution phases separately. Much of modern retirement planning depends on what is known as the “distribution rate” in retirement, which...

 

Thursday, December 31, 2015

Medical costs are rising, which means that unlike the past 3 years, Medicare Part B premiums are set to increase as well. However, thanks to the “hold-harmless provision,” a law which prohibits a decrease in Social Security...

 

Sunday, December 27, 2015

Energy Related Investments may offer a unique opportunity for investors to diversify their portfolio and take advantage of the current low level of prices. Late in 2015, the S&P Crude Oil Index was down over 45% for the previous year,...

 

Wednesday, December 9, 2015

As we approach the end of the year, it’s a good time to review your financial plan and take advantage of some last-minute opportunities to lower your 2015 tax bill. Some items require action before December 31st, while others can...

 

Sunday, November 15, 2015

Late August and September brought several difficult days for many investors. We saw the worst week in several years for all three major market indexes. These drops signaled the first market correction since 2011 and, as a result, many...

 

Monday, November 2, 2015

The last-minute budget and debt ceiling deal that the House and Senate passed may make significant changes to Social Security benefits. In an effort to decrease spending, Section 831 of the new budget slashes benefits for certain...

 

Tuesday, October 13, 2015

by Tom Breiter - With the stock market near an all-time high and interest rates at historic lows, is there any hope to find consistent returns without incurring too much risk?

 

Thursday, October 1, 2015

by Geoffrey H. Niebaum - I really enjoy the game of golf, both as a player (at least I try) and spectator. The 2015 Tour Championship recently delivered a great conclusion to the PGA Tour season. My focus was mostly on the ultimate winner...

 

Wednesday, September 16, 2015

by Tom Breiter - Business development companies (aka - BDCs) were authorized by an act of Congress in 1980 to promote funding for small and mid-size businesses. Similar to mutual funds, BDCs pool investors’ capital and then invest...

 

Thursday, August 27, 2015

by Geoffrey H. Niebaum - “Shanghai stocks plummet 6% as volatility returns” - CNNMoney 8/18/2015 “Oil meltdown send stocks sinking” - CNNMoney 8/19/2015 “Dow plummets 358 points to close below 17,000 for first time since October” -...

 

Wednesday, August 12, 2015

by Tom Breiter - I think it was famous baseball player and manager Yogi Berra who said “It’s like déjà vu all over again.” That’s how I feel about the current economic expansion compared to the decade of the 1990s. Of course, exact...

 

Thursday, July 30, 2015

by Geoffrey H. Niebaum - We recently made an investment for some of our clients in a liquid alternative mutual fund. You must be wondering two things: One, what is a liquid alternative mutual fund, and two, should you invest in such a...

 

Friday, July 17, 2015

by Tom Breiter - In Parts I & II (maybe place hyperlink here to Part I & II) of this series, we reviewed the process of planning for how much retirement income will need to be generated by your investment plan to supplement Social...

 

Wednesday, July 8, 2015

by Tom Breiter - In the first part of this article I reviewed the beginning of the process for determining the amount of investment capital necessary to create sufficient retirement income to support the lifestyle you desire when your...

 

Tuesday, June 30, 2015

by Tom Breiter - The primary goal of saving and investing during our working years is to accumulate a sum of dollars which can be bridged into an income stream in our retirement years. Of course there are other goals that vary by family,...

 

Wednesday, June 17, 2015

by Geoffrey H. Niebaum - Parents are faced with the daunting task of calculating how they will cover the ever increasing costs of a higher education for their children. According to The College Board’s Trends in College Pricing...

 

Wednesday, June 3, 2015

by Tom Breiter - The latest fad in investment advice is the use of automated, computer driven strategies to keep your portfolio in balance through constant adjustment initiated by the system and not requiring any human action. The term...

 

Friday, May 8, 2015

by Geoffrey H. Niebaum - Recently a friend asked me if I thought there was any truth to “selling in May and going away?” For those that may not know, the Wall Street adage, “sell in May and go away” refers to selling all equity...

 

Wednesday, April 22, 2015

by Tom Breiter - Since the end of the financial crisis of 2008 and 2009, the U.S. stock market has provided better performance than the average international market. Of course, there is always an isolated country here or there that ends...

 

Thursday, April 2, 2015

by Geoffrey Niebaum - Tax season is here. As a taxpayer you are in one of three camps: 1) A diligent and organized individual who has already filed, 2) Too busy and/or waiting patiently for 1099’s, or 3) Overwhelmed / or possibly a...

 

Thursday, March 12, 2015

by Tom Breiter - The six year bull-run for stocks here in the U.S. has lifted valuations to levels that are best described as “full”. The length of an uptrend does not in and of itself mean it has to end, but I don’t...

 

Tuesday, February 24, 2015

by Geoffrey Niebaum - “In the long run, it’s not just how much money you make that will determine your future prosperity. It’s how much of that money you put to work by saving it and investing it.” – famed...

 

Wednesday, February 11, 2015

by Tom Breiter - After long periods of steadily rising markets, like we’ve experienced for most of the last 5 ¾ years, there is a predictable theme that comes to the forefront of investment conversations. The concept of...

 

Friday, January 30, 2015

by Geoffrey Niebaum - When considering dividends, three common questions arise. Do dividend payments from stocks matter? Are dividends an important part of an investor’s overall returns? Is the compounding effect of dividends over...

 

Monday, January 5, 2015

by Tom Breiter - I believe the chart displayed below is very important in putting stock market returns in perspective. The expectation that most investors have about the potential for stock market returns is based on the long-term trend...

 

Tuesday, December 16, 2014

By Tom Breiter - Most investors have a distinct choice in their retirement plan savings efforts. Selecting the correct choice can yield a larger after tax income in retirement. However, making the choice can be complicated by our...

 

Tuesday, December 2, 2014

by Geoffrey Niebaum - I recently attended Charles Schwab’s IMPACT Conference in Denver, an invitation-only annual gathering for registered independent investment advisors. One conference session of particular interest reviewed how...

 

Thursday, November 20, 2014

by Tom Breiter The debate about whether the stock market faces a big decline or has the potential to move higher continues on a daily basis in the media. With the current bull market over 5 ½ years old, the fourth longest on...

 

Tuesday, November 4, 2014

by Geoffrey Niebaum Personal wealth, whether from career success or unexpected windfall may come with challenges. Hard questions need to be asked and answered. Having a checklist formalizes the approach and helps minimize uncertainty...

 

Wednesday, October 22, 2014

by Tom Breiter Traditional advice leans toward adding a much larger portion of fixed income or guaranteed income sources to your investment plan as you approach and enter retirement. This advice is based on the fact that for much of...

 

Wednesday, October 8, 2014

by Geoffrey Niebaum When tax time rolls around many investors will experience higher capital gains tax bills for 2014 compared to 2013. While stock returns have been modest for 2014, and tax rates were up in 2013, the true culprit will...

 

Wednesday, September 24, 2014

by Tom Breiter Most people love to go on a rant about how bad inflation is. Deep down we just hate not being able to buy a particular good or service for what we bought it for just a few years ago. Of course, we never complain about...

 

Tuesday, September 9, 2014

by Geoffrey Niebaum Change can be challenging. It may push us in a direction that is uncomfortable. In personal finance, we encounter change when we leave a job or a company terminates a retirement plan. A little bit of the right...

 

Tuesday, August 26, 2014

by Tom Breiter Investors have options when choosing a financial advisor to help them develop and implement their investment plan. Some of these are quantitative differences (how the advisor gets paid) and others more qualitative...

 

Wednesday, August 13, 2014

by Geoffrey Niebaum Market uncertainty can be an emotional roller coaster that tests investors’ confidence. The fear of losing money, and the corresponding desire to gain wealth, manipulates our decision making. These emotions are...

 

Friday, July 25, 2014

by Tom Breiter Five years ago in the wake of the 2008 – 2009 financial crisis Wall Street trumpeted that the best days for stocks and bonds were over, that investors needed to include “alternative investments” to have any hope of...