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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.

Cyber Security Awareness Month: Tips for Protection

October 7, 2022 | By Aaron Tawil, CFP® and James Perriello, CFP®

October is cyber security awareness month. Here at Wealthstream, we take security seriously and discuss it often as a team. We would like to take this opportunity to help educate our clients on the steps that you can take to help mitigate the risk of being a victim of a cyber-attack.

The 5 Flaws of Using the 4% Spending Rule in Retirement

September 21, 2022 | By Eric Siss, CFP®

You've put a great deal of effort into saving for retirement, and now you're ready to cash in. But wait, you need to determine how much you can consistently withdraw from your savings. Spending beyond your means can leave you with insufficient funds in your “golden years” and spending too little means you sacrificed doing things that you would have enjoyed.

Understanding Global Financial Planning

August 31, 2022 | By Brenna McLoughlin, CFP®, GFP (USA)

Wealthstream Advisors has recently added to our team’s growing list of professional designations, Global Financial Planner (USA), or GFP (USA). We sought out this additional expertise because we know from experience that individuals and families who have lived in more than one nation have unique needs from a financial planning perspective.

Tax Considerations and Strategies for New York Estate Planning

July 26, 2022 | By Katharine George, CFP®, AEP®

When it comes to estate planning, our discussions with clients typically revolve around the Federal estate. Our clients are less aware of the careful planning and consideration needed to address their estate tax on the state level. For instance, as of 2022, 12 states and the District of Columbia levy estate taxes on estates over a certain value – and New York is one of them.

The Four C’s: Achieving Financial Peace of Mind

June 10, 2022 | By James Perriello, CFP®

Managing the financial aspect of life takes brainpower and a lot of time: staying updated on the markets, tracking changes in tax law, and reading the fine print are just a few examples. Whether you are busy managing a business, juggling family life, or simply enjoying retirement, these tasks–and the financial responsibility that comes with them–require a team effort. That is where a financial advisor steps in.

Divesting a Concentrated Stock Position

May 19, 2022 | By Joe Orff

We’ve seen clients diligently accumulate stock in their company over their careers. 

Wealthstream Advisors, Inc. Named Among 2022 Best Places to Work for Financial Advisers by InvestmentNews

March 22, 2022 | By Wealthstream Advisors Press

New York, March 22, 2022 Wealthstream Advisors, Inc. (“Wealthstream”) an independent boutique wealth management firm announced today it has been recognized as a 2022 Best Places to Work for Financial Advisers by InvestmentNews.