Blog - Evensky

Market headlines can be overwhelming, especially in times of uncertainty. At Evensky & Katz / Foldes, we understand that economic shifts, policy changes, and market fluctuations can trigger real concerns about your financial future. In the letter below, our Chief Investment Officer, Lane Jones, shares insights on the current market environment, the impact of recent…

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Financial Literacy & Fundamentals Retirement Planning Tax Planning

Turning Age 72 With An IRA Account – What You Need To Know
- Roxanne Alexander
The year you turn 72 is the year you have to start taking distributions from your retirement plans and there are several decisions you will need to make once this process starts. Making sure you do start taking distributions is very important since the IRS imposes a 50% penalty on funds that are not withdrawn…
Family Planning Tax Planning

The Dilemma of Two Homes
- Roxanne Alexander
Downsizing your home is a big decision. What if you find your ideal home but haven’t sold your current one? This can be quite stressful, since you don’t want to lose out on the new property but may not be able to sell your existing property fast enough. The first place you may want to…
Estate Planning Tax Planning

Charitable Capital Gain Harvesting – A Tax Twofer For Those Charitably Inclined
- Taylor M. Gang
It is rare for the IRS to allow two benefits for the price of one, but for those considering charitable giving, here is a strategy to capture just that. Donating appreciated securities, a method we call charitable capital gain harvesting, allows donors to receive a double benefit from charitable contributions in the form of 1) the market…
Financial Literacy & Fundamentals Market Insights

Dangerous Measures: The Fine Art of Calculating Returns
- Harold R. Evensky
The person responsible for translating the math chapter of my book, Wealth Management, into Japanese told me, “You give me much headache.” Welcome to the math chapter. Okay, class, today we’re going to be discussing one of the most common activities for financial planners, namely, the calculation of investment returns. Accounting in some measurable way for changes…
Financial Literacy & Fundamentals Retirement Planning Tax Planning

Should I convert IRA money to a Roth?
- Roxanne Alexander
Should I convert IRA money to a Roth is a complex question. Before 2017 tax law allowed recharacterization (being able to undo a Roth conversion). After 2017, tax law changed and you can no longer undo a conversion. So, before converting an IRA to a Roth, think through your full portfolio and goals. Converting an…
Financial Literacy & Fundamentals

How to Keep Your Personal Information Secure and Avoid Fraud and Identity Theft
- Roxanne Alexander
I received an email from a client stating that he was tied up in a meeting and needed “help” urgently. Instantly I thought this was odd for several reasons: You may feel obligated to help, but I would rather get yelled at for not doing anything than send a client’s money to Nigeria. The email…