Is Your Advisor Ignoring the Silver Collapse? The Danger of “Parabolic” Advice
A parabolic advance in silver or gold occurs when prices rise at an unsustainable, near-vertical rate. It looks exciting. It feels powerful. It convinces many investors that something “different” is happening this time. But history tells a different story. Parabolic moves rarely end quietly. They tend to unwind just as aggressively as they climbed. Investors who chase the final leg higher often discover too late that momentum can reverse without warning. Unlike passive advisors who simply “buy and hold” through […]
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Date: March 3, 2026
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
End-of-Year Tax Planning for High-Net-Worth Individuals in Connecticut
The end of the year is coming quickly, offering a valuable window to make strategic tax moves before December 31. With economic shifts, ongoing market volatility, and evolving tax laws, waiting until the last minute can leave you scrambling and potentially missing out on meaningful tax savings. Rather than reacting to surprises in the new year, proactive planning now can help position your wealth more efficiently. These final months are critical, whether you’re preparing for retirement, selling a business, or […]
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Date: November 3, 2025
Retirement Planning and the One Big Beautiful Bill
This blog post examines the “One Big Beautiful Bill” (OBBB) and its potential influence on your tax and investment strategies, both currently and in the future. This information is particularly relevant if you are nearing retirement or are already retired with at least $500,000 in investable assets. As you shift from saving for retirement to taking distributions from your retirement assets, various tax liabilities come into play. Your goal should be to preserve as many assets as possible to sustain […]
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Date: August 18, 2025
Heritage Capital Uses Active Management to Help Reduce Investing Anxieties
Are you worried about the potential for market turbulence as we approach the end of the year? If so, you’re not alone. Millions of Americans share that concern due to inflation, a national debt that exceeds $34 trillion, unsettled global conditions, and an election year. You want to lower your concern level and be positioned to take advantage of buying opportunities in case the market overreacts. This is the role of active investment management during turbulent market conditions. You may […]
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Date: June 24, 2024
Confident Retirement Planning in 2024: Overcoming Market Uncertainties
In a climate of rising volatility and speculation about a looming recession in 2024, charting your path to retirement might feel like steering a ship through stormy waters. You’ve worked hard to accumulate a substantial retirement nest egg as a professional, business owner, or executive. Now, you need a comprehensive retirement plan to protect your wealth during your 30+ years of retirement and document how you want your assets distributed to family members. In the short run, you need a […]
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Date: October 9, 2023
Why You Should Regularly Update Your Retirement Projections
Retirement planning is an important process that should become a lifelong habit, especially if you are a high-net-worth individual. Given today’s challenging economic and investment environment, it’s even more important to regularly revisit and refine your long-term projections and strategies. Otherwise, you’re driving blindly into the future. Keeping them up-to-date can help ensure that you are prepared for whatever uncertainties may arise in your post-retirement life. This is good because, unfortunately, car accidents, divorces, and lawsuits lack the courtesy to […]
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Date: January 9, 2023
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
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
5 Common Concerns Investors Have Today
As COVID-19 continues to recede, investors must re-adapt to an investment environment less distorted by the economic effects of the pandemic. Add to this new environment some of the same concerns that existed pre-pandemic, and there’s a lot of fear and confusion about investing today and in the future. To help investors navigate this interesting time, I publish regular articles to the Heritage Capital blog and speak to national and local media outlets. At Heritage Capital, we also created a […]
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Date: June 8, 2021
