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Monthly Investment Commentary

S&P 500 Posts YTD Gains & Interest Rates Drift Higher

The S&P 500 finished 1.6% lower during the month—it’s first negative month since February A…
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Bob Peelman

Saving for the High Cost of College

Most Americans would agree that money spent on higher education is incredibly important, as assets…
physician computer stethoscope, and iPad showing investments

Investing as a Doctor: 5 Tips for Beginners

As a doctor, you dedicate your life to caring for others and positively impacting their…
financial team reviewing long-term retirement plan
David Mandell

Why Your Long-Term Financial Plan Must Be Flexible

The Greek philosopher Heraclitus is quoted as saying “the only constant in life is change.”…
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David Mandell

Sequence of Returns Risk

As investors age, they should consider the reallocation of their assets into increasingly conservative investments…
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Asset Protection for Doctors: 3 Effective Strategies

Doctors like yourself invest countless years and resources into education and training to provide exceptional…
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David Mandell

Don’t Outlive Your Money

Most investors, when considering their financial future, have a common concern – that they will…
image of someone looking into a financial crystal ball
David Mandell

Have High-Interest Rates Accurately Predicted a Market Correction or Recession?

Many investors have recently been asking their advisors, “Is a recession coming?” This question is…
a beginners guide to financial planning for physicians

Financial Planning for Physicians

If you're a medical practitioner, you probably know that physicians are among the highest-paid professionals…
lawyers shaking hands
David Mandell

The Importance of Asset Protection

Among the various types of liability that physicians may face, including employee claims, HIPAA violations,…
reviewing tax and investment documents
David Mandell

Tax Diversification

Investors often hear the phrase “don’t put all your eggs in one basket,” and interpret…
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Bob Peelman

Silicon Valley Bank Collapse

OJM partners and advisors received several questions related to the failure of Silicon Valley Bank…
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Andrew Taylor

Are You Getting Adequately Paid for Your Cash?

Let’s start by getting to the point. You should call your bank and find out…
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David Mandell

Consolidated Appropriations Act of 2023

The Consolidated Appropriations Act of 2023, enacted on December 29, 2022, includes the Secure 2.0…
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David Mandell

Recent Cases Affect Protection of Assets in LLCs

As we kick off 2023, OJM partner David Mandell provides a high-level update on new…
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Monthly Investment Commentary

Fourth Quarter Gains End Challenging Year for Markets

While it was a challenging year for markets, we did see a nice fourth quarter…
person looking at investment charts and financials
Andrew Taylor

Direct Indexing

If you are an investor who follows the financial media, amid the stories of gloom…
Bob Peelman

Treasury Inflation Protected Securities

Treasury Inflation Protected Securities, aka TIPS, provide investors with a return that is indexed to…
doctor using calculator
Carole Foos

Tax Reduction Opportunity for Medical Practices

As most readers are certainly aware, the Tax Cuts and Jobs Act (TCJA), passed in…
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David Mandell

Tax Diversification

It is not surprising that the top financial goals of physicians and other high-net-worth investors…
financial advisor solutions
Adam Braunscheidel

6 Financial Actions to Take During Uncertain Times

During a volatile market environment like we find ourselves in today, or the steep market…
traditional or roth ira
Bob Peelman

Bear Market Offers Opportunity for Roth IRA Conversions

In May 2022, after several months of volatility across all financial markets, the S&P 500…
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David Mandell

Surviving Market Volatility

KNOWING YOUR TOLERANCE FOR RISK There are no activities that are completely risk free. Whether…
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Andrew Taylor

Why Are Bonds Losing Money?

WHAT ACTIONS SHOULD I TAKE? The Bloomberg U.S. Aggregate Bond Index experienced its worst-performing quarter…
yield curve recession
Monthly Investment Commentary

Is a Recession on the Horizon?

The following is an update to an article we authored in October 2019, just a…
wealth advisor working with client
David Mandell

2 Investment Options: Upside Potential & Downside Protection

Faced with high inflation, potential interest rate hikes and a destabilizing international political environment, today’s…
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Carole Foos

The Current State of Tax Reform

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David Mandell

Long-Term Care Planning

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David Mandell

Tax-Savvy Charitable Planning

HOW TO GIVE AND RECEIVE TAX BENEFITS Both at the end of the year and…
financial advisor review tax strategies
David Mandell

Savvy Strategies to Reduce Taxes on Your Investment Portfolio

Most of us want to reduce taxes wherever possible, especially today when tax increases may…
financial advisor reviewing options
Adam Braunscheidel

Tax-Loss Harvesting

As we approach year end, many investors inquire about ways to reduce their tax obligations…
tax form 1040 eggs in basket
Bob Peelman

Reduce Your Tax Liability with a Mega Backdoor Roth IRA

As recently as this week, there are tax proposals in Congress which, if passed, would…
employees on zoom call
Carole Foos

The New and Expanded Employee Retention Credit

Nearly all taxpayers are looking for legitimate tools to reduce taxes. The Employee Retention Credit…
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David Mandell

Financial Lessons Learned from the Pandemic

Now that we have reached Summer 2021, when over 150 million Americans have been vaccinated,…
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David Mandell

How to Protect Your Home and Home Equity From Liability

Along with retirement and personal investment accounts, the family home (and its equity) is often…
David Mandell

Inflation and Your Investments

Inflation is a popular topic in the financial media this spring. This short article is…