Twelve points Blog

January 2021 Market Outlook

Hello friends, welcome to the December 2020 market outlook. We hope this letter finds you well and your families enjoyed a wonderful Thanksgiving. Obviously, this year was different from a variety of ways. But with the holiday season upon us, we’re approaching the end of a dreadful year. Here’s to 2021 being a major improvement. Let’s dive in.

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Market Outlook

First and foremost, I hope this note finds you, your families and loved ones healthy and well. These are trying times but we will get through this together. Social distancing is imperative right now, especially since it seems to be working.

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Is This a Good Time For a Roth IRA Conversion?

Whether you are in the early stages of building your retirement nest egg or you are lucky enough to have already accumulated a significant amount of assets in tax-preferential accounts, this could be a good time to consider having some of the funds located in after-tax or “Roth” accounts.

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How Rising Interest Rates Affect You

When you hear about the Federal Reserve it may be hard to imagine that their actions have a direct affect on you. The truth of the matter is that their policies, including those related to interest rates, are felt all the way down to the consumer level, for better or for worse.

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3 Tax Tips to Save Your Spring

Filing taxes can be an intimidating process and in the stress of it all, sometimes we can forget to do the obvious or skip over the basics, making it even harder on ourselves. If you file your own taxes the following three simple tips can save you time, headaches and even money in the long run.

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A Financial Year in Review: 2017

In order to best summarize the 2017 financial year, we will walk through each quarter through the perspective of equity and then fixed income investors. Throughout each we will highlight key points and developing trends

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Alternatives “Did Their Job” in August

No other slogan defines Bill Belichick’s coaching philosophy better than “Do Your Job.”   Every player on the team, from stars to bench players, has a defined and complementary role.   When everyone executes their roles at the highest level, and Does Their Job, the team achieves ultimate success.

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