Investment Blog Articles

ML&R Wealth Management is committed to helping you run your business or manage your personal finances more efficiently. To help prepare you during your journey to financial success, we maintain a blog written or curated by our financial professionals.

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Tax Planning Tips for Year-End

For many, the fourth quarter is a hectic time of year. But as 2019 comes to a close, avoid treating year-end planning as an after-thought. By incorporating a few strategic tax planning moves into your fourth quarter routine, you can save on 2019 taxes and maximize the value of your retirement nest egg in the long run. Here are some actions to consider before year end...

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Financial Topics We Cover

Our partners, advisors, and associates want to promote awareness of the importance of financial planning and how to improve your wealth management strategy. For this reason, we aim to provide the best educational materials to help you achieve success.

Our investment blog is also a great way to keep you informed on what investment strategies are available to you as you navigate the possibilities for your future.

Our blog covers the following topics, and many more:

  • Social Security & Medicare
  • Roth Conversions
  • Financial Tips for Millenials
  • Estate Planning
  • Teaching Your Children About Money

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Retirement Plan Services: New Hire and Rehire Eligibility

By: Julie Reinhardt, Retirement Associate This article contains some timely reminders on eligibility for new hires and rehires. Please make sure to contact us (retirement@mlrpc.com or (512) 370-3296) with any questions you may have as you administer your plan.   Determining who is eligible to participate in your retirement plan is a critical fiduciary responsibility as a […]

So You’ve Inherited Some Money, Now What?

Many people speak wistfully of winning the lottery and what they would do with a sudden windfall. However, when that windfall is in the form of an inheritance, it may bring with it many unanticipated emotions. Grief takes time and adding an inheritance on makes it more complicated. It’s very common to still think of […]

Employee Stock Options – What are they and how do they work?

Employee stock options (ESOs) are a type of compensation that some employers grant to their employees. ESOs give employees the right to purchase shares of their company stock at an agreed-upon price and future date.

Video: Smart Financial Planning Tips in the Times of COVID-19

Smart Financial Planning Tips in the Times of Covid-19

Sometimes the best thing to do in the midst of high market volatility is nothing at all. As tempting as it may be, we should avoid changing investment plans simply because stocks are down sharply.

Finding the Right Financial Advisor Amidst a Financial Crisis: The Top Two Questions You Must Ask

By: Carli Smith, CFP®, Wealth Management Advisor The first part of 2020 has proven to be a challenging time for everyone and one that might possibly go down in history as the year when time stood still. Our busy lives have come to a screeching halt, many businesses have struggled to remain afloat, and our investment portfolios […]

UPDATED — Retirement Plan Services: Summary of CARES Act

On Friday afternoon, March 27, Congress passed, and the President signed, the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The Act provides sweeping legislation intended to provide much-needed relief due to the coronavirus public health emergency.

Navigating the Emotions of a Financial Crisis

It certainly has been an interesting time for the world. We are in the midst of a global pandemic that has impacted every person in one way or another. We are being told to halt our lives so that we can protect the most vulnerable.

2020 Tax Update

2020 has been a year of changes. Find out what has changed when it comes to taxes.

The Coronavirus and Market Declines

This past Monday, March 9th, marked the 11th anniversary of the crescendo of the global panic that marked the bottom of the bear market of 2007-09. It is wonderful irony that the world has elected to celebrate this iconic anniversary with another epic global panic attack.

Retirement Plan Services: Avoiding Payroll Pitfalls

When you are serving as a fiduciary for your company’s retirement plan, it is critical to have processes and procedures in place. One specific area the Department of Labor (DOL), continues to focus on is payroll processing and timing.

How To Combine Finances When Married

Managing money with your spouse is a challenging but important part of bringing two lives together. In fact, how you go about combining finances when married can play a big role in making or breaking the relationship—with money issues implicated in 22% of divorces. The reason that finance is so central to your success as […]

What Is A Fiduciary Financial Advisor?

When you’re deciding which kind of financial advisor to choose to help you manage your investments or plan for your retirement, it can be confusing to know the differences between the various kinds of professionals and decide which one is right for you. In this article, we will explain what a fiduciary financial advisor is […]

Why Is It Important to Diversify Your Investments?

Investing is more of an art than an impulse reaction, and it’s worth learning about investment strategies to reduce your losses and maximize your long-term gains. When starting out in your journey as an investor, it’s essential that you ask questions like “Why is it important to diversify your investments?” and develop a well-diversified portfolio […]

What Is A Registered Investment Advisor?

When you are looking to invest a substantial amount of money in the stock market, you will encounter several industry-specific terms that are important to understand before you contract the services of a wealth management firm. In this article, we will explain what a registered investment advisor is and list the required qualifications for a […]

Financial Markets and the Coronavirus

On February 19th, 2020 – after a spectacular 44% runup that started the day after Christmas 2018 – the Standard & Poor’s 500-Stock Index closed at 3,386.15.  Just a week later –  on February 26 – the Index closed almost 8% lower, at 3,116.39. We have therefore been invited by financial media to suspect that […]

Estate Planning 101

Although estate planning can be a daunting task, a well-informed estate plan is essential, ultimately providing peace of mind and protection for an individual and the loved ones left behind.

2020 Annual Letter to Our Clients

2019 Year in Review As we begin the new year and decade, we think it’s important to revisit the general principles which govern our philosophy of investment advice. We all need a good reminder of our investment resolutions that we will adhere to not just in January, but for the all the months, years, and […]

The SECURE Act: Highlights of the New Rules that Impact Your Retirement Accounts

The SECURE Act, passes into law new rules primarily surrounding individual and employer-sponsored retirement plans.

Year End Financial Planning Tips

Before we move into 2020, take time to review your finances and take action if necessary. Here are some suggested items to look at to help optimize your overall financial well-being.

A Season of Giving

Year-end gifts also offer an opportunity to take advantage of tax deductions and encourage charitable planning for the year ahead.

Retirement Plan Services: Ownership and RMDs

It is critical to understand that the ownership of your firm, and other businesses that the firm’s owners might have ownership in, may very well affect your company’s retirement plan.

Tax Planning Tips for Year-End

By incorporating a few strategic tax planning moves into your fourth quarter routine, you can save on 2019 taxes and maximize the value of your retirement nest egg in the long run.

Defining your Personal Investment Philosophy: Why it’s important and the impact it has on your portfolio

All of us have a value system or a set of beliefs regarding the meaningful parts of our lives. The evolution of your personal investment philosophy is no different than any other set of beliefs or values you have.

Helping Aging Parents with Money and Finances

Women take on many roles throughout their lives- ranging from caregiver to career professional. It’s common for women to prioritize everyone and everything else ahead of their own well-being including retirement.

ML&R Wealth Management Named One of the Top 10 Best Financial Advisors in Austin in 2019

Older Americans have two major benefits to consider as they approach retirement age: Social Security and Medicare.

The Women’s Retirement Gap

Women take on many roles throughout their lives- ranging from caregiver to career professional. It’s common for women to prioritize everyone and everything else ahead of their own well-being including retirement.

Retirement Plan Services: Loans and Distributions

Employees can have access to funds while they are still employed if your plan document includes those provisions. The two most common options are participant loans and hardship distributions.

A Parent’s Guide to Sending Your Child to College

Through the excitement and nerves, many parents lose sight of important steps to take to avoid potentially scary and painful situations.

Social Security & Medicare – an Overview for Retirees

Older Americans have two major benefits to consider as they approach retirement age: Social Security and Medicare.

Five Questions to Ask a Financial Advisor Before You Hire Them

A good Financial Advisor should serve as your financial quarterback in all aspects of your financial life with your interests placed above theirs.

Dollars and Sense: How to Teach Your Kids about Money

Raising financially responsible children starts with basic money principles- from budgeting and planning, to saving and sharing.

To Roth, or Not to Roth: That is the Question – A Practical Guide to Roth Conversions

There are many benefits to converting Traditional IRAs to Roth IRAs. There are also types of clients it makes sense for and some it doesn’t make sense for.

Retirement Plan Services: Who is Eligible?

When you are serving as a fiduciary for your company’s retirement plan, it is critical to have processes and procedures in place. One specific area the Department of Labor (DOL), continues to focus on is payroll processing and timing.

Financial Wellness Through the Ages

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Good Debt vs. Bad Debt

Certain types of debt, such as a mortgage, can actually provide opportunities to improve your financial future.

It’s Tax Season: Let’s Explore Various Planning Strategies

We’ve outlined a variety of year-round tax planning strategies that can help you (and your wallet) prepare for tax season, year in and year out.

It’s Time to Marie Kondo Your Finances: Life Insurance Edition

One way to take control of your life and the hereafter is to organize your life insurance and legacy plan.

2019’s Guide to Achieving your Financial Goals

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Advisor, Vanessa McElwrath, CFP®, CPA, Promoted to Partner

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Are you Prepared for the Next Financial Crisis? Revisiting 2008 Ten Years Later

Ten years ago in September 2008, the global economy stood on a precipice and quickly slid into the worst recession since the 1930s. Fortunately, the stock market downturns of this magnitude are rare, but history tells us that corrections are a normal part of our economy.

Avoid The Most Common Estate Planning Mistake: Do It!

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Back to School: Creating a College Savings Roadmap

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Keys to a Successful Investment Experience: Focus on What You CAN Control

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Planning for a New Baby

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Smart Financial Moves to Make Before Year-End

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How to Teach Your Children About Money

As parents, we continually struggle to pass knowledge to our children.  Unfortunately, sometimes financial knowledge is left off the list or lost in translation.  Here are some tips to help teach your kids about money.

Ways to Properly Prepare for Retirement

Saving for retirement can be overwhelming. It is difficult to know where to start or to have confidence you are on track. Here are five easy tips to help you build your portfolio.

Wealth Management for Gen X’ers

As Generation X becomes known as the sandwich generation, they are struggling with where to focus their time, energy and money. With aging parents and children to take care of, how does an X’er take care of themselves financially?

DOL Fiduciary Rule Update

By: Vanessa McElwrath, CFP®, CPA, Wealth Management Advisor As you may have heard in the news, components of the Department of Labor’s fiduciary rule finally went into effect on June 9th. You can add the date as the latest significant date to the running timeline for the Department of Labor’s fiduciary rule, following: April 6, 2016 [...]

Retirement Plan Options for Businesses Large and Small

By: Vanessa McElwrath, CFP®, CPA, Wealth Management Advisor I spend a lot of time working with business owners, CFOs, and HR Directors to help them determine the right kind of retirement plan for them and their employees. There are quite a few different types of retirement plan options that cater to the particular needs of businesses [...]

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When you keep up with our investment blog, you’ll not only receive educational materials for your next advisor meeting, but you can also keep a pulse on what we’re reading as well. We keep updated on the latest pertinent research and do our best to summarize the aspects that are important to you.

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