Investment Management


The Mega Backdoor Roth IRA

By Thad Ismart  CFP©  Senior Financial Planner Have you heard of a “Mega Backdoor Roth IRA?” If not, you are about to.  The Mega Backdoor Roth IRA takes advantage of the fact that after-tax contributions to a 401k, 403(b), or other retirement plans are treated just like a Traditional IRA in a “Backdoor Roth IRA” (where you make non-deductible contributions to an IRA, then convert those … Continue reading

Index Funds 101

By Joseph Caputo  Chief Information Officer & Associate Portfolio Manager What is indexing? Indexing is a way of representing the change in value or the performance of a particular market or market niche over time. Indexes have been developed to represent virtually any market or market segment imaginable. Some of the most prominent stock indexes include the Standard & Poor’s 500 Composite Index (S&P 500), … Continue reading

When’s the Right Time to Invest?

By Joseph Manfredi | MBA Chief Operating Office, Senior Portfolio Manager Often when our BWFA advisors are sitting down with clients to review their financial and investment management plans, we discuss what to do with accumulated cash.  Invariably, clients have more in cash reserves than what is prescribed in their financial plans.  Given the current surge in stock market indices since the November elections, clients are even more uncertain … Continue reading

Reaching Retirement: Now What?

By Chris Kelly | CPA, CFP®, M. ACCY | Financial Advisor and Portfolio Manager You’ve worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived! But with it comes the realization that you’ll need to carefully manage your assets so that your retirement savings will last.   Review your portfolio regularly Traditional wisdom holds that retirees should value … Continue reading

Mergers and Acquisitions: The BWFA Advantage

By:  Brian MacMillan | Managing Director, Mergers and Acquisitions It has been four years since Baltimore Washington Financial Advisors added Business Services to its core competencies of Investment Management, Financial Planning and Tax Services. The results have been outstanding as BWFA has worked with numerous business owners to help them understand their choices related to selling their business and how those choices impact their personal … Continue reading

Considering an Offer to Retire Early: Should You Take It?

By Robert G. Carpenter   President & CEO What is it? In today’s corporate environment, where cost cutting, restructuring, and downsizing are the norm, many employers are offering their employees early retirement packages. As you near retirement age, you may find yourself confronted with an offer from your employer for early retirement. Your employer may refer to the offer as a golden handshake or a golden … Continue reading

The Markets (as of market close March 24, 2017)

Uncertainty over whether Congress would pass a new health-care law, coupled with the prospects of additional interest rate hikes later in the year, may have weighed on investors’ minds as stocks tumbled early last week. BWFA will look closely at these movements in the markets and have an opportunistic view when possible. As was widely reported late last Friday, the proposed American Health Care Act was … Continue reading

The Markets (as of market close March 3, 2017)

Following President’s speech to Congress last Tuesday evening, stocks soared Wednesday before retreating Thursday and Friday while bond yields soared, possibly in response to Fed Chair Janet Yellen’s indication that interest rates are likely to be raised when the Committee next meets later this month. The price of crude oil (WTI) dropped, closing at $53.20 per barrel, down from the prior week’s closing price of $54.03 per barrel. The price of gold (COMEX) … Continue reading

The Markets (as of market close February 27, 2017)

Most of the benchmark indexes listed here rallied by the close of the market last Friday to finish ahead for the week. The Dow led the way by marking its 11th consecutive day of positive gains, followed by the S&P 500, which has not experienced a daily swing of more than 1.0% since mid-December. Favorable corporate earnings reports and higher oil prices, which boosted energy stocks, helped … Continue reading

The Markets (as of market close February 17, 2017)

Equities closed last week in positive territory, as several of the indexes listed here posted record gains. Some positive economic news, particularly from FOMC Chair Janet Yellen, and favorable corporate earnings reports may have enticed investors to stay in the market. The price of crude oil (WTI) fell, closing at $53.37 per barrel, down slightly from the prior week’s closing price of $53.85 per barrel. … Continue reading

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