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Integrated Wealth Management
Reporting crypto on taxes: big changes for 2025

The IRS has your Bitcoin on their radar - get prepared before the grace period ends on December 31st! There are some big changes on the brink when it comes to how you report Bitcoin on your taxes. This blog presents a summary of what you need to know about changes in Bitcoin (and other digital asset) income tax reporting for 2025.

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Chris Jaccard, CFP®, CFA
Planning Newsletter - October 2024
  • Review your marginal tax brackets for ordinary income and capital gains rates to decide which account to withdraw from.

  • Don’t make the mistake of overfunding retirement accounts at the expense of your brokerage (taxable) accounts. It’s important to have non-retirement assets for flexible spending and savings goals. If you haven’t set up a taxable brokerage account, perhaps this is the next move to make for any money leftover that you haven’t found a home for

  • End of year provides you with the opportunity to think about managing liabilities. Consider the relative advantage to paying down debts with assets. What is the tax impact of doing so? Would it make a difference to your peace of mind?

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Investing Newsletter - July 2024

  • Cycles of US stock outperformance and underperformance vs. International stocks are normal.

  • The international equity outperformance from. 2000 to 2009 was especially painful for US investors because US stocks averaged negative returns for 10 years - now known as “The Lost Decade.”

  • Valuation measures such as price-to-earnings ratios lead some to believe that International stocks may outperform US stocks over the coming yearsmay outperform US stocks over the coming yearsmay outperform US stocks over the coming years

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How to be More Efficient in Making Quarterly Tax Payments

With tax season upon us, many individuals and small business owners will soon be filing their taxes for the 2023 income year. Some will find, perhaps unexpectedly, that they are required to make 2024 quarterly tax payments due to not having enough withheld the prior year via an automatic withholding mechanism (paycheck withholding) or from their other sources of income including 1099 income, business income, retirement account withdrawals, etc.

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Andrew Hoffarth, CFP®
How to cope with Election Angst

Presidential elections have a way of creating angst and anxiety. This happens every four years and we always have many conversations with clients of all political persuasions about what, if anything, they should change in their portfolios due to the upcoming election.

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Jim Freeman, CFP®
Investing Newsletter - January 2024
  • In only six out of 97 years from 1926 to 2022 did the market have an annual return that came within two percentage points of the market’s long-term average returns of 10%.

  • It’s extremely important for investors to understand market volatility so they do not get too excited about a “good year” and too worried by a “bad year”.

  • The allure of trying to be in the market when it’s rising - and out of the market when its falling - is completely understandable. But timing decisions can often result in lower returns and increased stress.

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Market Review Q4 - 2023
  • The US equity market posted positive returns for the quarter and outperformed both non-US developed and emerging markets.

  • US real estate investment trusts outperformed non-US REITs during the quarter.

  • US government debt reached 121% of the value of the country’s gross domestic product (GDP) last year. Many investors have expressed concern over the impact that servicing this level of debt could have on the stock market. But the historical data show little relation between the two.

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