What to Consider if You Want to Retire

“Choose a job you love and you’ll never have to work a day in your life” – Confucius. As you set your New Year’s resolutions, consider the steps needed to set yourself on a path for a successful retirement.  While it might seem like a...

Year-End Tax Planning in Light of Proposed Tax Changes

Update as of 12.19.21 With the end of the year rapidly approaching, the Build Back Better Act still faces significant disagreements in the Senate that appear likely to stretch into 2022. It remains to be seen what effect this delay will ultimately have on the...

Charitable Gift Fund FAQs

A Donor Advised Fund (DAF) is a great way to manage donations to your favorite causes while optimizing your tax advantages. With a DAF, you can take a current tax deduction as you pre-fund your future gifts to charities.  Also known as a “Charitable Gift...

Tips for Microsoft Open Enrollment

Open Enrollment at Microsoft begins in early November.  The following is a summary of elections to consider, and as always, please reach out to your Coldstream advisory team if you have questions. HSA (Health Savings Account) If you choose an HSA eligible health plan, you...

5 Easy Ways to Declutter Your Financial Life

April 7, 2021 Decluttering. Thanks to Marie Kondo, meditation gurus and an amazing amount of time at home, we have all had opportunities to declutter our closets, our monkey minds and our “working-from-home” space (formerly known as the dining room).  But what does it mean...

COVID-19 Monitoring Resources

April 03, 2020 As we continue to track the COVID-19 situation and assess its impact on financial markets, we wanted to share some of the resources we’re monitoring on a daily basis.  Useful data is scattered across the internet, so we look at a variety...

The End of the Bull Market

March 13, 2020 First, and most importantly, we hope you are doing well and staying safe. The longest bull market in the history of US equities came to an end this week as the S&P 500 fell more than 20% from its peak in breathtaking...