Twelve points Blog

12 Tips to Traverse the 2017 to 2018 Tax Transition
Since the passing of the Tax Cuts & Jobs Act, there have been a number of comprehensive articles summarizing the year over year changes. While these pieces are informative, they often lack clear calls to action – specific planning tips that should be considered under the new

It Pays to Stay Risk Averse Despite Strong Market Returns
As the stock market roars on, skeptics might take money off the table and invest in more value oriented assets. More often however, fear of missing out on future gains along with recently strong returns keeps people invested in the market and seeking out speculative opportunities.

Paying Down Debt vs. Investing
People are often faced with the difficult choice of how they should use their money, whether it be choosing between investing, paying down debt early, or deciding which debt to pay down first.

Strategies to Minimize Your Tax Contribution
Learn strategies to minimize your contribution to the government as we explore the topics of paycheck savings, FSAs vs. HSAs, job changes, charitable donations, child-care reimbursement, avoiding the marriage tax in a given year, and renting vacation homes vs. owning them.

Central Banks Start to Diverge
You can’t talk about Europe without including the European Central Bank in the discussion. The ECB, which conducts monetary policy for all of Europe, is continuing with their aggressive Quantitative Easing in the form of a large bond buying program.

Wall Street’s False Truism: Is Buy and Hold Always Better?
I’d like to talk to you about Wall Street false truisms regarding buy and hold investing. “Buy and hold has always been better” is a very institutional mindset. It works really well for endowments