Financial Planning
How we calculate long-term financial planning assumptions
We build multi-decade financial projections for each of our clients to help quantify the long-term impact of near-term decisions. Doing so requires us to make long-term assumptions for equities, fixed income, and inflation.
How we develop a cash plan for each of our clients
We recommend that everyone have a specific plan to manage the cash balances in their bank accounts (“cash plan”). At Geometric, we work with our clients to create such a plan at the start of every new engagement.
Inflation’s impact on your portfolio and balance sheet
With inflation in the headlines, some might be wondering about its impact on their portfolio or overall financial situation.
Why all investors – even those in their 30s – should own bonds in their portfolios
The majority of our clients are at least a decade away from retirement, and most are still 20+ years out. Yet all of our clients have at least a small portion of their portfolios allocated to bonds (via low-cost, passively-managed, diversified bond mutual funds or ETFs).
Charitable Giving – You’re (Probably) Doing it Wrong
If you make all of your charitable donations using your credit card, you are almost certainly leaving money on the table. Whenever possible, you should donate appreciated securities, typically stocks, mutual funds, or ETFs that have increased in value since you purchased them (and that you have held for at least a year).
Discounted mortgage rates (via Bank of America Private Bank) now available to Geometric’s clients
We are excited to announce a partnership with Bank of America Private Bank that provides Geometric’s clients with discounted mortgage rates and flexibility in loan structure.
Is buying a house a good investment?
Attached for download (click on the image below) is our whitepaper that analyzes both the financial and intangible benefits – and drawbacks – of homeownership. Editorial Note: This paper was published by the Association for Financial Counseling & Planning Education (AFCPE) in their 2nd Quarter 2017 Newsletter (Link).
The election’s impact on your investment plan
Earlier this week, we emailed our clients to discuss how the election results should (or should not) affect their investment plans. Figuring that others might appreciate our viewpoint, below is the entirety of that email.