Gavin L. DiStasi's blog

And This Too Shall Pass

I was having a conversation with a client earlier this week, and she mentioned to me that what we were living through at present was truly unprecedented, and that no amount of statistics or past reference points could possibly be informative to the current environment, and therefore, all bets were off, when it comes to the markets and investing in the short to medium-term. It’s the kind of statement I’ve heard before, during times of extreme market stress, and it instantly made me think of something that Jarrett says all the time, and perhaps many of you have heard before.

Per Capita vs. Per Stirpes

Much has been written on this blog and in other financial publications, about the importance of beneficiary designations in retirement accounts, and I believe that most clients understand why it’s so important to be sure they have thought this through before choosing their designations. But one aspect of the designation that many do not always have a handle on prior to making their choices is whether, in the case of multiple beneficiaries, they should select the Per Capita or Per Stirpes designations.

Thankful

With the Thanksgiving holiday upon us this week, it is naturally the time of year when you get inundated with the “what I’m thankful for” articles and blog posts. There’s nothing wrong with that, as it’s certainly a good thing to reflect on one’s blessings to be sure. But for whatever reason, we have never done one of those ourselves, until now.

MS Ride Wrap Up

On September 21st & 22nd, for the sixth year running, Team Topel & DiStasi Wealth Management completed the two-day charity ride Waves to Wine 2019 in support of the National MS Society, and we just wanted to pass on a few thoughts and impressions of a great weekend on bikes and in the company of so many nice people all rallying for such a worthy cause.

Roth IRA Conversions - What to Consider

We’ve been getting a number of questions about Roth IRA conversions lately, and although we have covered this issue in the past, we thought it made sense to do so again since it’s been quite a few years. The question most often asked is: “Should I convert some or all of my Traditional IRA dollars to a Roth IRA?”.

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