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Key Considerations for Income Investing

August 9, 2023 | By Chloe Denning, CFP®

Is an “income investing” strategy right for your portfolio? 

The right answer requires a bit of nuance. While many investors may eventually want to rely on their portfolio for income, doing so does not necessarily require shifting toward income-generating investments.

This Insight explains why. Below, we define income investing, examine some common income-generating investments, and explain why this approach is likely not the best way to maximize total returns.

University at Buffalo Names Wealthstream as UB Fast 46 Finalist

July 10, 2023 | By Wealthstream Advisors Team

The Wealthstream Advisors team was excited to learn that the firm has been named as a 2023 finalist for the University at Buffalo’s UB Fast 46 list for the third year in a row.

This competition honors University at Buffalo alumni who own or lead businesses, recognizing 46 (a nod to the institution’s founding in 1846) of the fastest-growing firms each year. 

Wealthstream Advisors President and founder Michael Goodman is a proud Buffalo alumnus.

According to the university’s official contest announcement, “eligible companies must have been in business since January 2019; have verifiable revenues of at least $100,000 or more in 2019 and 2020 and at least $250,000 in 2021; and the owner or leader must be a UB alum or former student.”

We extend our thanks to the State University of New York at Buffalo for this honor and look forward to seeing the full list of finalists unveiled at a September 14 event at UB’s Center for the Arts.

What is Monte Carlo Analysis and How Can It Help Investors?

May 17, 2023 | By Eric Siss, CFP®

In this Insight, we explain Monte Carlo analysis (also commonly called Monte Carlo simulation), how it works, and how it can be a powerful tool when projecting a family’s long-term financial future. 

What are 10b5-1 plans and how are they affected by new SEC rules?

April 28, 2023 | By Wealthstream Advisors Team

10b5-1 plans can be a great option when divesting from concentrated equity positions in a firm, potentially offering protection against insider trading charges while avoiding the perception of failing confidence.

In this Insight, we explain these plans, how they work, and how they will be affected by new SEC rules changes.

Wealthstream Named Best Place to Work, Top Performing Advisory Firm in 2023

April 3, 2023 | By Wealthstream Advisors Press

The Wealthstream Advisors team is excited to announce that we have been selected for two 2023 awards! We are passionate about our work and proud to see this recognition of both the value we deliver to clients and the supportive team we have built.

WSA  RIA Edge Award Banner (1)

How SECURE Act 2.0 Impacts Your Financial Plan

March 16, 2023 | By James Perriello, CFP®

Recent legislation, SECURE Act 2.0, makes important rule changes related to Roth IRAs, Qualified Charitable Distributions (QCDs), and more.

Should I Sell My Bonds in 2023? The Consideration Guide

February 1, 2023 | By Joe Orff

Investors are wondering why bond returns were down double digits in 2022. The reason is simple: rates are rising faster than any other time since 1988.

Behavioral Biases in Investing

January 10, 2023 | By Chloe Denning & Tim Daly, CPA

It’s impossible to know the direction any individual stock (or the stock market as a whole) will go at any point in time. Fortunately, successful investing does not require predicting precisely how investments will be priced at specific times. If it did, investing would be purely based on luck rather than research and analysis.

Why It Could Make Sense to Purchase I-Bonds Right Now

November 28, 2022 | By Tim Daly, CPA

With inflation at its highest level in more than 40 years and a volatile equity market that has decreased by double digits through November of 2022, many investors are looking for an attractive investment where they can park their money without it losing value. For some, that could mean a high yield savings account – as of November 2022, interest rates of high yield savings accounts are well over 2%. For others, it could be bonds – savings, municipal, or corporate – but some of those options don’t pay a great return either and most bond mutual funds have losses for the year thus far. So, it begs the question: Where can investors earn income at the prevailing inflation rate with minimal risk?

529 Plan Insight: What are 529 plans and why are they important?

November 17, 2022 | By Kayla Sabbagh

For many parents, funding higher education is one of the largest, if not the largest expense regarding their children. An unfortunate truth about college education is that it’s expensive and the cost is rising. According to a report from the Georgetown University Center of Education and workforce, the cost of tuition, room and board, and fees has increased 169% from 1980 to 2020.