Treybourne Blog

Welcome to our blog. Stop by and stay awhile!

The Tough Job of Continuous Accumulation

Every paycheck, you may see a line item reducing your net pay titled pre-tax 401k.  If you are making a ROTH 401k contribution, that net pay looks even lower.  If eligible, you may be contributing to an IRA, a ROTH IRA, or a HSA.  You may be adding money to a 529 plan for your children’s college education.  You may be doing savings into a brokerage or bank account for short-term goals, a business acquisition, and/or for retirement.  You see Social Security and Medicare tax being withheld from your paycheck, and you comply because you must while wondering if those programs will provide any benefit to you when you reach age of eligibility.  On the spending side, you may be making sacrifices to provide for the savings level you have committed to. If you are doing retirement savings while balancing current spending and other savings goals, I have noted the following...
Continue reading

Why Retirees Need Equities

Interest rates have been declining since 1981.  Long-term U.S. Treasury bond yields peaked at 15.21% in October of 1981 and reached a record low of 2.11% in July 2016. In 1960, 41% of private-sector workers were covered by pension plans, but by 2008 only 20% were covered by a defined-benefit pension plan.  Most retirees now need to produce income from tax-deferred accounts or taxable investments in addition to Social Security benefits in order to meet retirement income needs.  Social Security was introduced in 1935 as a program to provide some continuing income after retirement.   However, the estimated average monthly benefit for all retired workers in January 2016 was only $1,341 per month ($16,092 annually).  The Federal poverty level for a family of two for 2017 is $16,240. Retirees are faced with several risks in their retirement years.   The first is longevity risk, the risk of outliving your assets.   Associated to longevity...
Continue reading

Welcoming Timothy Voegele, CFA®, CFP®

You might have seen the news release late last year when we announced Treybourne Wealth Planners (TWP) hired Timothy Voegele, CFA®, CFP®. You are likely familiar with the CFP® (Certified Financial Planner) designation since Stephanie Willison and I are CFP® professionals, and Jessica Beaman is well on her way to attaining this well-known planning designation.  The CFA® (Chartered Financial Analyst) is new to TWP so I thought I would explain to you the reasons we are glad to add Tim to our team.  Tim successfully completed all 3 levels of the CFA® study level process: Level I: Focuses on a basic knowledge of the ten topic areas and simple analysis using investment tools Level II: Emphasizes the application of investment tools and concepts with a focus on the valuation of all types of assets Level III: Focuses on synthesizing all of the concepts and analytical methods in a variety of applications for effective...
Continue reading

Budgeting – It’s Not as Scary as it Sounds

Have you been putting off creating a budget because it seems overwhelming and scary? Creating a budget doesn’t mean that you have to cut out the things you enjoy or track every dollar you spend. Rather, budgeting helps you to align your spending with what you value most. So where do you start? There are many tools available to make budgeting easier. The spending and budgeting feature of eMoney is one valuable tool offered to Treybourne Wealth clients. Using a budgeting tool, like eMoney, allows you to electronically link your spending and saving/investing accounts, and place your transactions into the appropriate categories. eMoney will recognize repetitive transactions and categorize them for you going forward. Once you have transactions categorized, you can see at a glance where your money is going. From here, you can begin evaluating your spending/saving habits and make adjustments when creating your budget. eMoney is not the only...
Continue reading

Year-end Tax Planning Ideas

As we approach the end of the year, we thought we would put together some year-end tax planning ideas for you to consider.  This list is not intended to be exhaustive.  1.)    Mutual Fund Distributions: review the size of planned distributions at year-end. Treybourne Wealth Planners (TWP) is in the process of reviewing the distribution estimates for mutual funds that you may hold.  We are reviewing to see if it might be worthwhile to sell out of the fund before the distribution record date.  This would allow our clients to avoid the distribution and related tax where these funds are held in a taxable account.  We will also avoid purchasing new mutual funds where large distributions are anticipated.  2.)    Capital gains: reduce your liability through tax loss harvesting TWP is in the process of reviewing taxable accounts for holdings where an unrealized loss may exist.  We will analyze whether there is...
Continue reading

2016 Election Results

Mr. Donald J. Trump is slated to be the 45th President of the United States of America.  Mr. Trump clearly won the electoral vote yet lost the popular vote.  Mr. Trump and his party will have full control of the Senate and the House.  Short-term political market reactions should be met with skepticism.  We all experienced the initial impact of Brexit earlier this year, and we all experienced the relatively rapid recovery.  A victory for Mr. Trump was not priced into the markets at their close on Election Day, and it seemed the markets called the election results first with their rapid sharp declines (which did not last) as the results were unfolding. Markets are pragmatic and fundamental and find their way to a fair pricing.  An idea Mr. Trump spoke during his campaign is not an executed idea at this point, and we typically do not see quickly being the...
Continue reading

Tell a Friend

Featured News

Contact Us

609 Treybourne Drive, Suite B
Greenwood, Indiana 46142
Phone: 317-881-6670 (press 2)
Fax: 317-887-5692
This email address is being protected from spambots. You need JavaScript enabled to view it.