When investing your hard-earned money, it’s natural to have a certain level of anxiety about your decisions. Add to that the proliferation of financial pundits, the constant stream of dramatic digital media headlines known as “clickbait,” and the scare tactics used by the media to grab ratings, and it’s no wonder that investors can easily...

Cindy Alvarez starts each workday with purpose: to help clients access the wealth management resources they need and to support the next generation of the Wambolt & Associate’s team. In her ownership role, Cindy ensures cohesion among team members and clients, aligning priorities and goals and promoting innovative approaches to delivering sound results.“Clients may come...

“The stock investor is neither right nor wrong because others agreed or disagreed; the investor is right because the facts and analysis are right.” ~ Benjamin Graham Recent increases in wages, prices and inflation are receiving a lot of media coverage. What should you believe, and what is a lot of hot air? What should...

Uncertainty has become a usual way of life these past couple of years. But, in the words of Benjamin Franklin, “Nothing is certain except death and taxes.” With that thought in mind, tax planning has become more critical in our ever-changing legislative environment. Proactive tax planning can save tax dollars and help to ease any...

“Far more money has been lost by investors trying to anticipate corrections, than lost in the corrections themselves.” ~ Peter Lynch Many investors are concerned that the current uncertainties affecting the markets will cause a “market correction” and losses in their portfolios. Should you be moving into, or staying in, cash? The market uncertainties are...

According to the Financial Industry Regulatory Authority (FINRA), there are 19,884 registered financial advisors located in Colorado as of October 2020; this number is six times greater than that of Nevada with only 3,301 advisors.   It comes as no surprise to see this elevated number of advisors residing in Colorado since Colorado is ranked #13...

By Cindy Alvarez, Senior Wealth Management Advisor   It is a common myth to believe that any sitting President’s fiscal policies can or will manipulate the barometer of the U.S. stock market, while the truth is, over the past 120 years – the long-term performance of the market has shown almost no correlation with government...

Quick Links:   2019 Income and Payroll Tax Rates  2020 Income and Payroll Tax Rates  Corporate Tax Rate  Alternative Minimum Tax  Kiddie Tax on Unearned Income  Income Taxation of Social Security Benefits  Standard Deduction  Itemized Deductions  Deduction for Qualified Business Income  Capital Gains and Dividends  Deductions for Contributions to Public Charities  Individual Retirement Accounts  Dollar Limits for Qualified Retirement Plans  Required Minimum Distributions  Estate and Gift Taxes  2019 INCOME AND PAYROLL TAX RATES...

Your Competitive Edge Build your business by attracting—and keeping—the best employees In this Guide Introduction  Why Attract, Retain, and Reward Your Top Performers?  Executive Compensation Strategies: Compare your Options  Control and Flexibility: Nonqualified Deferred Compensation (NQDC) Plans  Simplicity and Deductibility: Executive Bonus Arrangements  Affordability: Split-Dollar Arrangements  Conclusion 1. Introduction Your employees are a huge part of what makes your business successful. However, in today’s fluid employment environment, your competitors are also looking for top talent. Executive(1) compensation strategies that use life insurance allow you to put the proper arrangements in place that can help ensure that key players stay where they belong: with you.  1 “Executive” is defined as a 5% or more...

TAKING CONTROL OF YOUR FINANCIAL FUTURE THROUGH THE GENERATIONS Empowering Women: Taking Control of Your Financial Future Through the Generations INTRODUCTION The increase of women in the workplace and as heads of their households has created a paradigm shift from the days where men-controlled family financial affairs. Now more than ever, women are decision-makers in...