The CapitalWize Q&A column addresses your wealth management questions courtesy of the Capital Formation Group, Inc.   Does return always equal risk? Yes.  If there is a promised or perceived returns above easily available investment vehicles like bank savings accounts, certificates of deposit or U.S. treasury bills there will be more risk.  The basis of [...]

The CapitalWize Q&A column addresses your wealth management questions courtesy of the Capital Formation Group, Inc.   Are business owners considered financially independent because their business is part of their wealth?   Though a business is part of the business owner’s assets, as long as the owner is working in the business dependent upon it [...]

The CapitalWize Q&A column addresses your wealth management questions courtesy of the Capital Formation Group, Inc.   What is liquidity? Simply put, liquidity is how easy something is to sell at a perceived fair value.  Too often in investing (and life!) things are “easy to get into, tough to get out of.”  A primary tenet [...]

The CapitalWize Q&A column addresses your wealth management questions courtesy of the Capital Formation Group, Inc.   Is there anything I can do to protect my estate from being highly taxed? I know that more estate planning (beyond my will and living trust) could significantly reduce the estate taxes my beneficiaries will pay, but I [...]

The CapitalWize Q&A column addresses your wealth management questions courtesy of the Capital Formation Group, Inc.   How do you use ETF’s in a portfolio allocation? Our first concern is always a client’s asset allocation; the choice of individual securities, mutual funds, or exchange-traded fund is always a secondary consideration to the selection of an [...]