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Oct 08 2020

Q3 2020 Investment Letter


INTRODUCTION

“It makes no sense for individual investors to jump in and out of the market. People who trade in that way rarely die rich, whereas the patient investor often does.” – Philip Carret

Human beings’ “fight-or-flight” response was the result of an evolutionary process taking place during a very different time.  It was effective at keeping primitive man or woman safe in the face of a predator, but it makes the average person a bad investor.  While everyone understands that buying low and selling high is important to achieving investment success, too many do just the opposite in practice.  Fear causes us to sell when prices are depressed and greed encourages us to chase securities that have recently performed very well. [Read more…] about Q3 2020 Investment Letter

Written by Jon Heagle · Categorized: Investing, Market Commentary

Sep 25 2020

Who We Serve And What We Do Best

By Jonathan Heagle, CFA® 

People often assume that financial planning is all saving and sacrifice, but it’s not just about the numbers—it’s about your life. It can be difficult to know where to start and how to create a plan that reflects your values, personality, goals, and circumstances. 

[Read more…] about Who We Serve And What We Do Best

Written by Jon Heagle · Categorized: Financial Planning, Investing

Aug 24 2020

Why I Became A Financial Advisor:
Michael Riolo

By Michael Riolo

When a client thanks me for my guidance, expresses confidence in the plan we develop, or feels a renewed optimism about their financial future, I am reminded of why I became a financial advisor. Helping people is important to me and it’s gratifying to know my advice makes a positive difference in my clients’ lives. While financial advising was not my first career, my way into the industry was a natural progression from the work I was already doing as an attorney.

[Read more…] about Why I Became A Financial Advisor:
Michael Riolo

Written by Jon Heagle · Categorized: Financial Planning

Aug 06 2020

How to Evaluate Rental Property

There are numerous reasons why real estate can be a fantastic investment.  Benefits include the generation of passive income that should increase with inflation over time, numerous tax benefits and access to cheap financing.  All of that being said, not all properties are created equal, and it is important for investors to do their homework to separate the good deals from the bad. [Read more…] about How to Evaluate Rental Property

Written by Jon Heagle · Categorized: Financial Planning, Investing, Real Estate

Jul 24 2020

Self-Employed Retirement Plans

Along with wages and healthcare, the ability to participate in a retirement plan, usually a 401(k), is a key component of a company’s employee compensation package.  410(k) plans offer employees the ability to defer the taxation of contributions until the money disbursed from the 401(k).  The employee benefits from a reduction in taxable income in the year of contribution, as well as the compound growth over time of the amount that would have been paid to Uncle Sam.  Furthermore, about half of employers offering 401(k) plans match employee contributions, with the average being about 3.5% of salary.  After paying down expensive debt and building a safety fund, maximizing contributions to a 401k plan should be high on any savers “to do” list.

401(k) plans are a great retirement savings vehicle for employees of large businesses, but what do you do if you are self-employed or an independent contractor?  Fortunately, there are low cost, easy to administer options for the self-employed as well.  [Read more…] about Self-Employed Retirement Plans

Written by Jon Heagle · Categorized: Financial Planning, Retirement

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CALIFORNIA
Mountain Vista Wealth Management
555 Mountain Drive
Santa Barbara, CA 93103
(805) 225-6559
jon@mountainvistawealth.com
NEW YORK
Mountain Vista Wealth Management
118 N Bedord Rd, Suite 100
Mount Kisco, NY 10549
(646) 779-5552
michael@mountainvistawealth.com
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ADV 2A & 2B (Firm Brochure) | Privacy Policy

Mountain Vista Wealth Management, LLC (“Mountain Vista”) is a registered investment advisor offering advisory services in the States of California, Connecticut and New York and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Mountain Vista in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Mountain Vista, unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness.  All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

 

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