Is HFT the Coming Way to Invest?

High Frequency Trading has been around for the greater part of the 21st century. Basically, it’s the use of sophisticated technological tools and computer algorithms to rapidly trade securities. And when I say “rapidly,” I’m talking nanoseconds. Before you can blink your eyes, stocks will be bought and sold. The algorithms and the high frequency […]

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The Secret of HSAs

Back in 2003, President George W. Bush signed the Medicare Prescription Drug Improvement and Modernization Act into law. Part of that law included the establishment of Health Savings Accounts (HSA), which are designed to help pay for a long list of covered medical expenses. You may want to consider the advantages this type of plan […]

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Harvest Time

As we approach the end of the year, it’s time to go through your taxable account and begin planning a tax-loss harvesting strategy. The strategy is designed to sell certain investment assets at a loss to reduce the tax liability of your taxable investment accounts. Here’s how it works: In order to minimize the tax […]

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Looking for Pros

If you are an experienced financial advisor working in a stringent environment, I’d love to talk with you. J Benjamin Financial is not like the mega-firms…with rules that don’t help you or your client, with reams of red tape that have to be navigated, and with oversight from a large corporate enterprise that values the […]

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Investment Strategies When the Market is High?

Conservative investors feel comfortable with large-cap companies. They are the established organizations that are positioned to take down turns in the market without major disruptions. They have the capital, the liquidity and the proven business models that calm investor fears even during recessions. Currently, the market is still at or near a historic high. So, […]

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More than Death Insurance

I can list several reasons why people don’t want to buy life insurance. They boil down to a simple argument: Permanent life insurance doesn’t pay off, and you’ll do better buying a term policy and investing the rest. However, if your goal is to minimize or eliminate taxes for your recipients, the money they receive […]

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Doing Well AND Doing Good

One of the pleasures of working with clients who have obtained wealth is that so many want to give back to their community, their state, their country or to people in need around the world. For them, contributing to or creating a 501(c)(3) provides an avenue to do good in a way that is exempt […]

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Foreign Affairs and the IRA

Recently, I encountered a question about whether the beneficiary of an IRA can be someone from another country. If you have a Roth IRA, the answer isn’t quite as complicated as it is if you have a traditional IRA. As you might surmise, if you’re a frequent reader of our blog posts, the Roth IRA […]

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Tales from the Cryptocurrencies

One of the most widely talked about areas of investment these days is cryptocurrencies. The birth of today’s bitcoin and its offspring was 2009, when an anonymous person or group of people, calling himself, herself or themselves Satashi Nakamoto, created a decentralized cryptocurrency called bitcoin. Already, this sounds like a sci-fi story, but bitcoins and […]

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The Cost of Delay

Everyone knows that investing in your future is a good idea. So, let’s start tomorrow. If I may paraphrase Little Orphan Annie, “Tomorrow is always a day away.” I’ve heard all the reasons why “today” is not a good time to invest. “I can’t afford it.” “I want to live now, not when I’m older.” […]

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