Market Insights

SilverOak Whitepapers

Periodically, SilverOak Wealth Management releases informational whitepapers covering financial topics that are relevant to our clients.  

 

See below for some of SilverOak's recent whitepapers.

Virtual currency is identified as a digital or internet-based asset that functions as a medium of exchange, a unit of account, or a store of value. These currencies, also referred to as altcoins or cryptocurrency, often use tokens or “coins” as their unit. The majority of these virtual currencies exist only in a digital or intangible form, though some have moved into the physical world with the issuance of credit cards. Virtual currencies are mostly unregulated. They are issued and usually controlled by their respective developers, and used and accepted among members of a specific virtual community. The more well-known brands of virtual currency in the market include Bitcoin, Ether, Ripple, Litecoin and Monero. There are currently more than 2,500 versions of virtual currencies in existence as of the printing of this article.  Read more >

It’s been nearly eighteen months since the Federal Tax Cuts and Jobs Act (TCJA) was enacted in December 2017. However, many states are just now getting around to adjusting their own laws in order to comply with the magnitude of changes that the legislation brought about. Taxation at the state level is determined by each respective state, as each state has the authority to adopt the various provisions of the Federal legislation, or choose to enact their own variation of the law. The provisions of the TCJA significantly impacted both business and individual taxpayers.  Several of the provisions took effect for the 2018 tax year, with some beginning in 2019. Read more >

Contributions to a heath savings account (HSA) can be made by, or on behalf of (for example, by a family member) any eligible individual and are deductible by the eligible individual above the line in arriving at AGI. Furthermore, you can then withdraw the money to spend on IRS-approved medical costs – tax free – or you can keep it invested, from one year to the next. The money can also be invested along the way, and eventually used as an emergency fund, or as an extra retirement account. Read more >

SilverOak Wealth Management, LLC (SilverOak) is an independent boutique advisory firm serving individuals and families throughout the United States. Our comprehensive and customized approach to financial planning utilizes the knowledge and expertise of our team by integrating services such as income tax strategies, investment advice, cash flow management, estate planning, and many others. We believe that providing prudent and thoughtful financial advice can only be accomplished by thoroughly understanding our clients’ personal values, beliefs and long-term goals. Our multi-disciplinary team of experienced, thoughtful advisors partner with each of our clients throughout their life’s journey.  The members of our team have achieved a wide range of professional accomplishments and credentials, such as CFP, CPA, CFA, and MBT... Read more >

Health Savings accounts (HSA) are one of the primary investment vehicles to save for future medical expenditures.  However, they also a great source to help build one’s future retirement assets.  The accounts require that participants be covered under a high deductible health insurance plan in order to make qualifying pre-tax or deductible contributions.  For tax year 2019, the self-only HSA contribution limit was increased to $3,500, and the family contribution limit was increased to $7,000.  For individuals age 55 and older, an additional $1,000 catch-up contribution is permitted.  The accounts are set up with the account holder listed as the beneficiary, and a spouse, estate or other individual identified as a designated beneficiary.  Because there can only be one account beneficiary... Read more >

When planning for the future, individuals, many times with the help of their advisors, create financial plans that incorporate a wide range of objectives such as the purchase of a new home, saving for retirement, funding college expenses, etc. The achievement of these objectives is highly predicated on two basic principles:


1) The simple exercise of saving. - - - Although not all objectives in life are financial, those that do revolve around finances will not be achieved unless funds are set aside to meet the specific goal.


2) The growth of saved assets. - - - This is especially important for longer-term financial objectives where the “power of compounding” can be significant... Read more >

 

Socially responsible investing (SRI) has seen increasing interest over the past decade as endowments, foundations, institutions and individual investors have sought to align their capital with personal values and goals. This interest and investors’ increased awareness of global climate change, demographics, resource scarcity, and generational trends are some of the reasons that have brought responsible investing from a niche market and made it one of the fastest growing investment areas ofasset management  According to the 2014 US Sustainable, Responsible and Impact Investing Trends report, there were $6.57 trillion of assets in SRI strategies at the start of 2014 in the United States, which is up from about $2 trillion fifteen years ago... Read more >

 

Recently, there has been a unique market environment that is challenging the discipline of some investors. Passive investing significantly outperformed active management in 2014, compelling many active investors to question their current investment philosophy. Unfortunately, active and passive investing are often portrayed as polarizing philosophies, but they do not need to be. Utilizing both active and passive strategies in the same portfolio is often beneficial, as both strategies have unique advantages and disadvantages. Media attention will likely continue to surround this topic as it continues to be a favorite issue to debate. However, investors should take a step back and consider the active versus passive debate objectively, as there are multiple factors to consider... Read more >

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SilverOak Wealth Management LLC

7650 Edinborough Way

Suite 250  

Edina, MN 55435 

Phone:  (952) 896-5700 

Email:  info@silveroakwealth.com

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