CERTIFIED FINANCIAL PLANNER™ Practitioner in San Francisco Bay Area
city-skyline-during-golden-hour-3584437.jpg

Investment Insights

Investment Insights & Research Commentaries

Certified Financial Planner Board of Standards - 2023 Tax Tables

  • 2023 Single Individuals Income Tax Rates

  • 2023 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2023 Married Individuals Filing Separately Income Tax Rates

  • 2023 Heads Of Households Income Tax Rates

  • 2023 Net Investment Income Tax

  • 2023 Additional Medicare Tax

  • 2023 Long-term Capital Gains Rates

  • 2023 Estates And Non-grantor Trusts Income Tax Rates

  • 2023 Standard Deductions

  • 2023 Retirement Plan Contribution Limits & Phase-outs

  • 2023 Estate And Gift Tax Rates & Exemptions

  • 2023 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2023 Health Savings Account Limits

  • 2023 Education Phase Outs

  • 2023 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 
 

Certified Financial Planner Board of Standards - 2022 Tax Tables

  • 2022 Single Individuals Income Tax Rates

  • 2022 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2022 Married Individuals Filing Separately Income Tax Rates

  • 2022 Heads Of Households Income Tax Rates

  • 2022 Net Investment Income Tax

  • 2022 Additional Medicare Tax

  • 2022 Long-term Capital Gains Rates

  • 2022 Estates And Non-grantor Trusts Income Tax Rates

  • 2022 Standard Deductions

  • 2022 Retirement Plan Contribution Limits & Phase-outs

  • 2022 Estate And Gift Tax Rates & Exemptions

  • 2022 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2022 Health Savings Account Limits

  • 2022 Education Phase Outs

  • 2022 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 

Certified Financial Planner Board of Standards - 2021 Tax Tables

  • 2021 Single Individuals Income Tax Rates

  • 2021 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2021 Married Individuals Filing Separately Income Tax Rates

  • 2021 Heads Of Households Income Tax Rates

  • 2021 Net Investment Income Tax

  • 2021 Additional Medicare Tax

  • 2021 Long-term Capital Gains Rates

  • 2021 Estates And Non-grantor Trusts Income Tax Rates

  • 2021 Standard Deductions

  • 2021 Retirement Plan Contribution Limits & Phase-outs

  • 2021 Estate And Gift Tax Rates & Exemptions

  • 2021 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2021 Health Savings Account Limits

  • 2021 Education Phase Outs

  • 2021 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 

Certified Financial Planner Board of Standards - 2020 Tax Tables

  • 2020 Single Individuals Income Tax Rates

  • 2020 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2020 Married Individuals Filing Separately Income Tax Rates

  • 2020 Heads Of Households Income Tax Rates

  • 2020 Net Investment Income Tax

  • 2020 Additional Medicare Tax

  • 2020 Long-term Capital Gains Rates

  • 2020 Estates And Non-grantor Trusts Income Tax Rates

  • 2020 Standard Deductions

  • 2020 Retirement Plan Contribution Limits & Phase-outs

  • 2020 Estate And Gift Tax Rates & Exemptions

  • 2020 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2020 Health Savings Account Limits

  • 2020 Education Phase Outs

  • 2020 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 

Certified Financial Planner Board of Standards - 2019 Tax Tables

  • 2019 Single Individuals Income Tax Rates

  • 2019 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2019 Married Individuals Filing Separately Income Tax Rates

  • 2019 Heads Of Households Income Tax Rates

  • 2019 Net Investment Income Tax

  • 2019 Additional Medicare Tax

  • 2019 Long-term Capital Gains Rates

  • 2019 Estates And Non-grantor Trusts Income Tax Rates

  • 2019 Standard Deductions

  • 2019 Retirement Plan Contribution Limits & Phase-outs

  • 2019 Estate And Gift Tax Rates & Exemptions

  • 2019 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2019 Health Savings Account Limits

  • 2019 Education Phase Outs

  • 2019 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 

Certified Financial Planner Board of Standards - 2018 Tax Table

  • 2018 Single Individuals Income Tax Rates

  • 2018 Married Individuals Filing Jointly And Surviving Spouses Income Tax Rates

  • 2018 Married Individuals Filing Separately Income Tax Rates

  • 2018 Heads Of Households Income Tax Rates

  • 2018 Net Investment Income Tax

  • 2018 Additional Medicare Tax

  • 2018 Long-term Capital Gains Rates

  • 2018 Estates And Non-grantor Trusts Income Tax Rates

  • 2018 Standard Deductions

  • 2018 Retirement Plan Contribution Limits & Phase-outs

  • 2018 Estate And Gift Tax Rates & Exemptions

  • 2018 Social Security Wage Base & Earnings Limits

  • Social Security Full Retirement Ages

  • 2018 Health Savings Account Limits

  • 2018 Education Phase Outs

  • 2018 Alternative Minimum Tax (Amt) Exemptions, Phase Outs & Rates

 

Certified Financial Planner Board of Standards - SECURE Act of 2019

  • Maximum Age For Traditional IRA Contributions Repealed

  • Portability Of Lifetime Income Options

  • Required Minimum Distribution Age Increased From 70½ To 72

  • Disclosure Regarding Lifetime Income

  • Expansion Of 529 Education Savings Account

  • Modified Required Minimum Distribution Rules

 

Certified Financial Planner Board of Standards - Tax Cuts And Jobs Act of 2017

  • Individual And Corporate Tax Rates Lowered

  • Standard Deductions Changes

  • Personal And Dependent Exemptions Repealed

  • State And Local Taxes (Salt) Changed

  • Mortgage Interest Deduction Limit. New Debt Incurred

  • Home Equity Loan Debt Limited To Cost Of Home

  • Charitable Contribution Ceiling Increased

  • Medical Expenses Deduction Changed

  • Deductions For Investment Expenses, Tax Prep Fees, And Unreimbursed Employee Expenses Are Eliminated

  • Personal Casualty Losses Limited

  • Personal Theft Loss Deduction Is Repealed

  • Itemized Deduction Phase-out Eliminated

  • Child Credit Increases. The Income Level At Which The Credit Begins To Phase Out Also Increases

  • Beginning With 2019, Agreements Alimony Payments Are Not Deductible By The Payer Nor Are They Taxable To The Recipient

  • Alternative Minimum Tax (Amt) Exemption Is Increased Allowing More Taxpayers To Avoid Amt

  • 529 Plans Can Be Used Prior To College (K-12) For Up To $10,000

  • Roth IRA Re-charcterization Rules Have Changed To Eliminate Option

  • Investment Income Of A Child Will Be Taxed At Trust Income Tax Rates Rather Than Individual Income Tax Rates

  • Able Accounts Enhanced

  • Estate Exclusion Doubled Per Person, Effective In 2018 (Gift/Estate/Generation-skipping Transfer (Gst) Tax Exemption)

  • Changes To Property Depreciation Rules

  • Business Entertainment Expenses Eliminated

  • Changes To Section 1031 Like Kind Exchanges

  • Changes To Deductions Of Reit Dividends

  • 20% Deduction For Qualified Business Income Of S Corporations

 

Tax Smart Investing 2020

  • The Evolving Tax Code And What It Means To You 

  • Why Investors Are Likely Paying More Taxes Than Necessary 

  • Most Important, The Tools Available To Fight Uncertainty And Help You Keep More Of What You Make—in Any Market Environment

 
Pages from The Keys to Building More Tax-efficient Portfolios.jpg

The Keys to Building More Tax-efficient Portfolios

  • Tax-efficient Investing: It’s Not Just For The Ultra-wealthy 

  • Strategies To Help Investors Keep More Of What They Earn 

  • Tax Management Techniques 

  • Choosing The Most Tax-efficient Vehicles 

  • Implementing A Tax-managed Solution 

  • The Future Of Tax-managed Portfolios 

  • Build Better, More Tax-efficient Portfolios

 

The Power Of Diversification - Asset Class Returns From 2000-2019

  •  Asset Class Returns: Annual Returns for Key Indices (2000-2019)

  • Asset Allocation Risk and Reward: Annual Returns (1958-2019)

 

Get to know why TAN Wealth Management partner with SEI

  • Who Is SEI? 

  • SEI Private Trust Company

  • Some Examples Over The Last 50 Years

  • Corporate Clients

 

Monthly Market Commentary - May 2020

  • Global financial markets continued their sharp rallies in May amid loosening lockdowns, promising progress toward COVID-19 vaccine development, and the ongoing extraordinary support of central banks. 

  • Legislation passed the Congress in early June that would adjust Paycheck Protection Program rules to extend the period during which companies can spend loan proceeds and remain eligible for loan forgiveness, as well as allow a lower minimum share of loan proceeds to go toward covering payroll. 

  • We remain mindful of the known risks inherent to investing in the capital markets as well as the potential for devastating surprises such as the COVID-19 pandemic that struck in early 2020 and remains a threat today.

 

Quarterly Market Commentary - q1 2020 

  • The arc of global financial markets during the first quarter corresponded with the unfolding realization that outbreak-induced shutdowns would cripple large cross-sections of the world economy. 

  • Investors’ dash for cash created chaotic market conditions around the globe—prompting major central banks to resume global financial crisis-era policies in March, which have appeared to help markets return toward orderly function. 

  • If your portfolio is aligned with your goals, time horizon and risk tolerance, then time and patience should be on your side. We think selling now could mean missing the rebound that will inevitably happen. 

 

Monthly Market Commentary - February 2020

  • Concerns about the international spread of a novel coronavirus (COVID-19) continued to dominate financial markets throughout February. 

  • Developed-market government bond yields tumbled as investors sought “safe-haven” assets amid equity-market volatility that crescendoed to the highest level since August 2015 (bond yields fall when their prices rise). 

  • We maintained our emphasis on strategic (long-term) investing over tactical (short-term) decision-making, as it is impossible to identify with complete accuracy how investors might react to macroeconomic shifts.

 

Monthly Market Commentary - January 2020

  • U.S. stocks climbed through mid-January before selling off to end the month essentially flat as volatility jumped on rising concerns about the coronavirus outbreak that began in China.

  • The U.S. and China formalized a “phase one” trade deal that offered tariff relief to China in exchange for commitments to purchase $200 billion in U.S. products, reforms to its forced technology transfer practices, and the continued opening of its financial-services industry to foreign investors.

  • We retain our emphasis on strategic (long-term) investing over tactical (short-term) decision making, as it is impossible to identify with complete accuracy how investors might react to macroeconomic shifts.

 

Portfolio Update - Private Client Strategies Fourth Quarter 2019

  • Strategy Update

  • Investment Objective

  • How Did The Strategy Perform?

  • What Were The Main Drivers Of Performance?

 

Quarterly Market Commentary Fourth Quarter 2019

  • Equity and fixed-income markets around the globe wrapped up 2019 with above-average annual performance, giving investors the gift of optimism as they rang in the New Year.

  • China and the U.S. settled on a limited “phase-one” trade agreement in mid-December. The deal is expected to provide China with tariff relief and the U.S. with agricultural purchases, assurances that China will address forced technology transfer practices, and greater access to the Chinese financial services industry.

  • Figuring out how investors might react to shifting conditions is almost always a challenging exercise. With that in mind, as always, we retain our emphasis on long-term, strategic investing over tactical reactions to short-term events.