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Cryptocurrencies have entered the mainstream. What began as a white paper written by the mysterious Satoshi Nakamoto in 2008, titled “Bitcoin: A Peer-to-Peer Electronic Cash System,” has morphed into several cryptocurrencies currently valued at approximately $2 trillion dollars. Bitcoin is the first and most well-known cryptocurrency and is gaining momentum worldwide. In fact, The President […]
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Financial Advisor magazine recognizes Clifford Swan in their fifteenth annual ranking of independent advisory firms around the country, ranking Clifford Swan as the 20th largest RIA in California. RIA firms applied for consideration. To be eligible for the ranking, firms must be independent registered investment advisers, file their own ADV statement with the SEC, and provide financial […]
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Here comes the sun. Across the country, Americans are enjoying summer and the relaxation of Covid restrictions. The optimistic mood extends to very positive economic trends. With widespread vaccination and low case counts, the economy is rebounding strongly and on track for annual GDP growth of 6-8%, the best rate experienced in many years. Pent-up U.S. […]
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Take yourself back to 2019 when the year was drawing to a close. Imagine being told:2020 will be the year when our hospitals will be overwhelmed, offices will close indefinitely, scores of workers will be sent home and lose their jobs, and the developed world will be on sporadic lockdown. Now, imagine also being told that […]
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They say nothing in life is certain, except for death and taxes. While neither is avoidable, there may be certain ways to mitigate the impact of taxes at death. President Joe Biden’s recently proposed “American Family Plan” highlights funding the legislation through increased income and capital gains tax on the wealthiest and highest earning Americans.What […]
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We have come a long way in the last twelve months. In response to the coronavirus pandemic, concerned governments around the world closed large portions of their economies, restricting commerce and the socialization of their citizens. The commensurate economic recession was one of the shortest on record, as the monetary authorities (Central Banks), stepped aggressively […]
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It’s no secret that ESG (Environment, Social, Governance) investing is more than a passing fad. ESG investors select companies with a focus on how the business impacts the environment, manages relationships with employees, customers, partners, and communities, and maintains fair and transparent corporate governance. These criteria matter to the investing public, which over the past […]
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Investors in the United States have endured a tremendous amount of turbulence in 2020. We have experienced a large-scale worldwide pandemic for the first time in over a century; a highly contested presidential election; social unrest; a record quarterly drop in gross domestic product; and a sharp, fast decline in stock prices followed by a […]
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Calendar year 2020 is over, and it will be one for the history books. The COVID-19 global pandemic, combined with a contentious presidential race and a polarized electorate, deeply affected our investment markets, economy, political landscape, and personal lives. The past 12 months were exceptionally challenging in many ways, and yet, looking ahead to the […]
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We can all agree that 2020 has been anything but an ordinary year. In March, the U.S. and much of the world went into lockdown due to the escalation of COVID cases, hospitalizations, and, unfortunately, deaths. Consumer and business spending plummeted, and economic growth dramatically declined by 20% during the first half of the year. […]
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The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) that went into effect at the beginning of 2020 aims to expand, preserve, and encourage retirement savings*. Surviving spouse of the deceased owner, Minor child of the deceased owner, Disabled person, Chronically ill person, and a Person that is not more than ten years younger […]
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This is the third quarterly commentary in which the coronavirus takes center stage. The pandemic has impacted our society, economy, health, markets, politics, and all levels of government. We do not know the longer-term impact of the shutdown on businesses, whether additional fiscal stimulus will be provided, the outcome of the November elections, nor the […]
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