OJM Team meeting with clients

Do I Really Need an Investment Advisor?

By David B. Mandell, JD, MBA and Robert G. Peelman, CFP® on July 12, 2017

The Nine Reasons Investors Underperform Without Professional Management There are multiple layers to the question: do I really need an investment advisor? Although there are no easy answers for everyone and every situation, data shows that the vast majority of retail investors are better off utilizing the services of an investment advisor as opposed to

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President Trump Announces Sweeping Tax Reform Proposals

By Carole C. Foos, CPA on April 27, 2017

On Wednesday, President Trump announced sweeping tax reform proposals, many of which are in line with those outlined during his campaign. The Administration is proposing what it claims to be the largest tax cut for individuals and businesses in U.S. history, and hopes that this will spur economic growth and increased jobs. Among the proposals

Improving Your After-Tax Financial Efficiency: Two Strategies for Recapturing Dollars Left on the Table

By David B. Mandell, JD, MBA and Carole C. Foos, CPA on March 14, 2017

Unfortunately, many business owners and entrepreneurs do not operate their businesses with optimal after-tax efficiency. In fact, we often see tens of thousands of dollars “left on the table” each year – which can equate to nearly $1 million of lost wealth over the lifetime of a business. The good news is that many business


Republicans Release Proposed Legislation on ACA Replacement

March 8, 2017

Late Monday, March 6, 2017, Republicans released the latest version of their ACA repeal and replacement legislation. The proposed legislation, called the American Health Care Act, was circulated by the House Ways and Means and Energy and Commerce committees, the two committees with primary jurisdiction over health care.   The proposed legislation is expected to

Portfolio Diversification: Why Investors Should Generally Maintain Exposure to International Stocks

By Adam Braunscheidel, CFP® on February 9, 2017

“The math of diversification makes sense. It’s the psychology of diversification that is muddled. The path forward is not to rethink the former, but to accept and think through the latter. It is not a smart alternative to concentrate one’s portfolio in what one predicts will be the hot dot. At the same, it’s also



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