Biden's Capital Gains Tax Hike Will Increase Demand for AnnuitiesBy "Chaim" Victor Schramm, CFS®, AIF® The Biden administration announced its intention to seek higher Capital Gains taxes on high income households today. 1 This has been discussed since the day after his win in November 2020 in wealth management circles- I can't tell you how [...]
By Victor Schramm, CFS®, AIF®An Introduction to Fixed Annuities If you google "Annuities" right now, you'll see a lot about Variable Annuities. Even on Chaim Investment Advisors, you'll see Variable Annuities discussed far more than Fixed Annuities. This is largely because the Variable Annuity is one of the more flexible investing vehicles out there in [...]
An Introduction to Factor InvestingBy Victor Schramm, CFS®Introduction Take a look at your brokerage account, IRA, or 401(k). Do you see anything in there with Large Cap, Value, Growth, or Small Cap in the title? If so, you're already investing with Factors. A very large proportion of American households use investments based on Factors but [...]
Inherited IRA's America is currently at the beginning of the greatest wealth transfer in human history. 1 Increasing numbers of young people will be inheriting Individual Retirement Accounts (IRA’s) from parents and grandparents, as the past decades have seen Americans relying more on their individual savings and investments. As anyone with an inherited IRA knows, they [...]
