Category: Wealth Strategy

Often, one of the first things an investor will do when meeting with an advisor is to take a risk tolerance assessment or questionnaire. You’ll fill out a few questions about your attitudes toward risk and your comfort with volatility, and you’ll receive a “risk tolerance score,” intended to indicate how much risk—or equity exposure—you [...]

When it comes to investing, one of the most common questions we hear is: “Should I change my investment mix as I get older?” A recent article by Nick Maggiulli from “Of Dollars and Data” explored this topic, and we wanted to share our perspective, building on some of his insights while highlighting how we [...]

No one sets out in life hoping for divorce. As we grow, relationships change, and sometimes divorce can be a path toward a life that better fits your needs. It’s a big decision, and you don’t have to make it alone. As a single mom who divorced thirteen years ago, my life has changed for [...]

Investing is both an art and a science, shaped by our life experiences, personalities, and preferences. But did you know that research reveals some notable trends in how men and women approach investing differently? Understanding these differences can help all investors, regardless of gender, strike a more effective balance in their financial strategies. Key Gender [...]

Women’s financial power is greater today than it has ever been. With more women in leadership positions and staying in the workforce longer, the amount of wealth women control will only continue to grow. Often, women’s financial management needs differ than those of men. Women have many unique challenges: they live longer lifespans but often [...]

In the start of this new year and new administration, many LGBTQ+ investors are wondering what the future holds. In this time of uncertainty, it might be the perfect time for LGBTQ+ couples to ensure their financial world is current, accurate, and best serving. Without federal protections ensuring equal rights to those in the LGBTQ+ [...]

Your teenager may have had their first job working at the snack shack last summer, and their W2 just arrived in the mail.  Or perhaps you collectively decided to sell some of the gifted Microsoft stock from their custodial account so your teenager could purchase their first car.  Now you’ve received a 1099 and wonder [...]

The Beatles taught me my first lessons about taxes when I heard the song “Taxman” as a teenager. Years later, George Harrison’s lyrics about taxes frame a lot of my client conversations, as George was not joking when he wrote, “Let me tell you how it will be: there’s one for you, nineteen for me, [...]

How does an advisor add value for the fees that you pay? The value that a financial advisor brings to the table can extend far beyond the quantifiable. Coldstream’s work to integrate financial planning and investment management is multi-faceted and often reaches into many areas of our clients’ lives. In this brief, we examine recent [...]