Active Underperformance. A recent study by S&P revealed that approximately 90% of active public equity fund managers fail to outperform their respective indices, while 81% of active public fixed income managers also underperform their indices over a 10-year period. Another case for trusting the DFA systematic approach.
Tax planning is critical to making the most of your ESPP, consider consulting with a financial advisor to develop a strategy that aligns with your broader financial goals. At Ark Royal, we can help you create a balanced financial plan, optimizing your ESPP participation while minimizing tax implications.
Roth IRA conversions offer a powerful way to build tax-free retirement income, and understanding the rules behind them can help you make the most of this strategy. Below, we break down eight essential Roth conversion rules that can impact your retirement planning.
When navigating the complexities of the U.S. tax code, it's easy to overlook certain provisions that could significantly impact your financial situation. One such often-overlooked provision is the Net Investment Income Tax (NIIT), sometimes referred to as the "hidden tax."
State of the Household. Over the past 15 years, U.S. households have seen substantial increases in stock and home prices, while Federal Reserve rate hikes have provided considerable cash flow to fixed-income holders.
It’s that time of year again—open enrollment season. It’s the perfect opportunity to review and adjust your benefits to ensure you’re appropriately covered for the upcoming year. Taking a thoughtful approach can help you save money and ensure your benefits meet your needs. Here's a guide to help you navigate the process.