Aveo Capital: Beermann-Rorick

12/20/2023

How many ways can you pay for college? Loans, grants, savings and investments, to name a few.

This calculator can help you estimate how much you should be saving for college.

12/18/2023

The savings rate is the government’s estimate of how much U.S. households are saving.

What can be learned from the savings rate?

12/18/2023

Markets reacted positively last week to cooler inflation and the idea of potential rate cuts next year, adding to the gains of the market’s year-end rally. The Dow Jones Industrial Average rose 2.92%, while the Standard &...

12/15/2023

Do you know how much you’ll spend during your retirement? The answer may be more complicated than you’d expect. Learn more here.

It can be difficult for clients to imagine how much they’ll spend in retirement. This short, insightful article is useful.

12/14/2023

I was recently asked, “What's the difference between shareholder yield and dividend yield?” 🤔

It occurred to me that most people likely don’t know the answer, so I figured I’d share a quick overview.

Dividend yield focuses solely on dividends paid to shareholders. It's calculated by dividing the annual dividends per share by the stock price.

Shareholder yield is more comprehensive. It includes dividends plus share repurchases and debt reduction. Companies can provide value to shareholders through dividends, buying back stock, and paying down debt.

Therefore, in some instances, shareholder yield might give you a more complete picture because it reflects more about what a company is doing for its shareholders.

So, the next time you evaluate a stock, think about looking at shareholder yield as well as dividend yield.

Dividends, stock buybacks, and debt payment plans can be stopped or decreased at any time. If a company experiences financial difficulties, its board of directors and management team may elect to reduce or eliminate any of the three for a period of time and then update shareholders on the decision.

12/13/2023

Mortgage lenders consider many personal factors when deciding whether you can afford a home.

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

12/12/2023

Did you know that once your child turns 18, you can no longer make their medical appointments or speak with their doctor👩‍⚕️, even if they are on your insurance plan? You also might not know that you’ll lose your ability to access their school grades or assist them with money management.

If you want to stay medically, academically, and financially involved after their milestone birthday, here’s what you need to know:

👩‍⚕️ Healthcare:
A HIPAA authorization lets you access medical records and set appointments.
A healthcare power of attorney/healthcare proxy enables you to make emergency medical decisions.

🎓Academics:
A Family Educational Rights and Privacy Act (FERPA) authorization allows you to access your child’s GPA, credits, scholarship status, tuition info, and disciplinary records.

💳 Finances:
Financial Power of Attorney lets you help organize finances, pay student loan bills, cover car payments, check balances, and pay taxes.

Have you had any experience with these? Please share below! 👇

12/11/2023

Compound interest can dramatically impact the future growth of your assets. Learn more.

Use this calculator to better see the potential impact of compound interest on an asset.

12/08/2023

Is your household's inflation rate higher than the national average?

Estimate how much income may be needed at retirement to maintain your standard of living.

12/08/2023

The clock is ticking. 🕰️

Due to the sunset of the Tax Cuts and Jobs Act, the federal gift and estate tax exemption is currently scheduled to drop from $12.9 million for individuals ($25.8 for married couples) to around $5.5 million (adjusted for inflation) in 2026.

Many who had assumed that they might not be subject to estate taxes now need to consider how this could impact them.

While 2026 may seem far away, now is the time to start preparing. There may be a strategy that can help you transfer wealth to your heirs while managing potential estate taxes.

These details are complex, so it’s best to seek guidance from financial and legal experts who can better assess your individual situation. With the appropriate strategy, you may be able to protect your legacy for the people and causes you care about.

12/07/2023

The fears that dragged on the stock market since August evaporated in November as fresh inflation data reaffirmed continuing progress in the fight against rising prices.

The Dow Jones Industrial Average gained 8.77 percent, while the Standard & Poor’s 500 Index advanced 8.92 percent. The Nasdaq Composite, which has led all year, picked up 10.70 percent.1

12/06/2023

Medicare and Medicaid are two terms that seem interchangeable, but aren’t. Learn more here:

The terms Medicare and Medicaid sound similar but are two very different things. Learn the differences in this informative article.