Are Politics Influencing Your Investment Decisions?
Many wealth management firms, particularly those serving high-net-worth clients, can become entangled in political intrigue when designing retirement plans or constructing investment portfolios. Who’s in the White House? Which party controls Congress? What new tax bill might pass? Will new regulations negatively impact my current investments? At Heritage Capital, LLC, we see things differently. If your investment strategy depends on political policy, you’re probably focusing on the wrong driver. The real force behind a substantial part of market movement isn’t […]
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Date: November 24, 2025
Buying Assets, Not Emotions: Q4 Strategic Roth Conversions
Every year, investors experience a mix of optimism and anxiety as markets move into the fourth quarter. Between talk of recessions, “tariff tantrums,” “new highs for the national debt” ($38 trillion and rising), and election noise, emotional decision-making tends to increase, and with it, costly mistakes. At Heritage Capital, we believe the final months of the year are not a time for emotional investment decisions, but rather a time for updating existing plans and creating new ones. Specifically, Q4 is […]
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Date: November 18, 2025
Interest Rates & Your Investments: What To Watch Now
Rising and falling interest rates can affect more than just mortgage payments or savings yields—they can influence the entire structure of your investment portfolio. For high-net-worth individuals, these shifts carry even greater weight. With larger, more complex portfolios, even modest changes in rates can impact long-term outcomes. At Heritage Capital, we have a deep understanding of the markets and interest rate fluctuations, and we’ve spent over 30 years providing financial planning for high-net-worth individuals. Our founder and Chief Investment Officer, […]
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Date: June 16, 2025
Enhancing Social Security With Active Management in Market Volatility
With inflation, healthcare costs, and rising home expenses, including high property taxes, Connecticut retirees struggle to cover their monthly needs with Social Security and pensions. Many are turning to their savings and investments to make ends meet. With so much economic uncertainty, geopolitical tensions, and concerns about Social Security’s future stability, how would a major stock market downturn affect your investments and retirement income? Many so-called financial gurus recommend a static, passive investment strategy that tracks a market index. But […]
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Date: July 29, 2024
Is Your 2024 Investment Strategy Still Aligned With Your Goals?
Today’s virtual world moves quickly, so staying ahead of market trends is crucial. So far, in 2024, we’ve experienced persistent inflation and continued interest rate fluctuations. And, the biggest uncertainty is a presidential election that will reshape the entire tax landscape in 2025. Based on recent market volatility, you may ask yourself if your investment strategy is still aligned with your goals, especially if you will retire in the next few years. As retirement planning specialists in New Haven, we […]
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Date: June 17, 2024
Is Your Retirement Safe in Today’s Bond Market?
Between higher interest rates, inflation, and a tumbling stock market, it may feel like your retirement savings are in danger. So, is this a good time to get (or keep) invested in bonds? The short answer is “Not without doing your homework first.” Let’s take a look at the state of the bond market. Once we have a working knowledge of the pros and cons, you can decide from there if bonds are still a safe investment for your retirement. […]
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Date: November 7, 2022
Should Your IRA Include Real-Estate Investments?
If you have a self-directed IRA, you can hold a variety of different investments, such as stocks, bonds, and mutual funds. In fact, this kind of retirement plan allows investing in all types of real estate, including commercial properties and residential homes. However, before you decide to pursue this option, let’s examine some of the pros and cons of utilizing your IRA this way. The following topics are discussed below: What is a self-directed IRA (SIDRA)? The differences between SIDRAs […]
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Date: September 29, 2022
Make Like a Banker—Stress Test Your Retirement Strategy
You’ve probably heard of stress tests for banks. These are designed to anticipate (and thereby lessen the impact of) worst-case scenarios: What if a stock market crash happens? What if rates go up? But what about your retirement money? Similarly, you should also be thinking about how you would react to adverse scenarios, such as an unexpected medical emergency or the death of your spouse. A retirement stress test can help evaluate how well prepared you are for unexpected events […]
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Date: August 15, 2022
Why “Set It and Forget It” May Be the Wrong Investment Strategy
Please don’t shoot the messenger, but I’m here to tell you that, while setting it and forgetting it (SIFI) can sometimes be a generally helpful strategy, it is not ALWAYS best. In this article, I’ll describe how SIFI works and seven ways it falls short, especially if you manage your portfolio on your own. I’ll finish by showing how a fiduciary advisor can provide the benefits of SIFI without the downsides. What Is Set It and Forget It Investing? […]
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Date: June 28, 2022
Reduce Your Retirement Tax Bill With a Backdoor Roth Conversion
Capital gains and other taxes spike for higher income brackets, so reducing tax liability is crucial in high net worth investing strategies. Roth IRAs present a rare opportunity to accumulate gains and withdraw them tax-free in retirement. However, direct contributions are not allowed for higher-income individuals. If your individual Modified Adjusted Gross Income (MAGI) is $144,000 in 2022 or your joint MAGI is $214,000 in 2022, you cannot contribute to a Roth IRA. However, there is another long-term investing strategy […]
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Date: March 21, 2022
