Understanding Employee Stock Programs (ESOP)

How an Employee Stock Ownership Plan (ESOP) Works By NCEO.org   ESOPs Provide a Variety of Significant Tax Benefits for Companies and Their Owners. ESOP Rules Are Designed to Assure the Plans Benefit Employees Fairly and Broadly Employee ownership can be accomplished in a variety of ways. Employees can buy stock directly, be given it…
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DFA – IPOs: Profiles Are High. What About Returns?

Initial public offerings (IPOs) often attract media and investor attention. New Dimensional research reveals some of the challenges IPO investors face.   Initial public offerings (IPOs) often attract initial public interest—especially when familiar brands become broadly available to investors for the first time. In recent months, investors have had the opportunity to buy shares of ride‑hailing networks Uber…
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Timing Isn’t Everything – DFA

The lure of trying to time the market may tempt even long-term investors. But outguessing markets isn’t as straightforward as it sounds. Over the course of a summer, it’s not unusual for the stock market to be a topic of conversation at barbecues or other social gatherings. A neighbor or relative might ask about which…
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The new paradigm of portfolio construction

Today’s investment vehicles can help better deliver what clients truly seek. – By Evan Cooper @ Investment News 6/13/2019   Current thinking about the best way to construct investment portfolios stems from seminal events in 1952, 1993 and 1605. Yes, 1605. That was the year when perhaps the cornerstone of portfolio construction — the value…
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Estate Planning for the Uninitiated

Estate Planning for the Uninitiated – By Anne Tergesen, Wall Street Journal – 3/29/2019 Gary Altman, an estate-planning attorney in Rockville, Md., recently had a client turn to her brother-in-law to cover bills after her husband died. The client had plenty of money, but she couldn’t readily access it because some of the accounts were…
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