Planning
June 27, 2025
Do I Need a Will AND a Trust?
When clients sit across from us at HTG Advisors, one of the most common questions we hear is: “Do I need a will and a trust?” It’s a question that often gets delayed until a...
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Investing
August 4, 2023
Second Quarter 2023 Investment Commentary
An eventful second quarter. In May, First Republic, a well-regarded mid-sized bank, experienced a rapid decline in deposits, forcing the FDIC to merge it into JPMorgan Chase. In early June, Congress avoided the U.S. defaulting...
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July 28, 2023
Why Financial Advisors will not be replaced by ChatGPT
With ever-increasing technology capabilities and automation, you might wonder what this means for the financial advisory business. Will ChatGPT be able to take the place of a human advisor? The reasons ChatGPT will not replace...
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June 29, 2023
Should I Buy or Rent a Home?
The concept of home ownership seems to be entrenched in the psyche of Americans, and most people consider owning a home as one of the best ways to accumulate wealth. Moreover, for most Americans, housing...
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June 2, 2023
The Benefits of International Investing
With the U.S. markets outperforming their international counterparts in eight of the last ten years, investors may wonder if they should be invested in foreign companies or may be tempted to abandon their international equity...
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May 5, 2023
Background and Implications of the Looming Debt Ceiling
What is the debt ceiling? The federal debt limit (ceiling) restricts the total amount of money that the Treasury Department can legally borrow at any point in time. Since the initial debt limit was set...
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April 21, 2023
First Quarter 2023 Investment Commentary
A positive quarter despite many challenges Inflation, Federal Reserve monetary policy tightening, debt ceiling concerns, bank failures, the war in Ukraine, and now, the indictment of a former President does not sound like the backdrop...
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April 14, 2023
Three Tax-smart Techniques for Managing Portfolios
The goal of tax-efficient investing is simple: maximize the amount of investment return you keep by minimizing how much is lost to taxes, without jeopardizing the integrity of the portfolio. With a U.S. tax code...
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March 24, 2023
How do rising bond yields impact my investment strategy?
The rapid rise of interest rates over the last year has led some investors to focus on a yield-oriented investment strategy. The thinking is: I am conservative; I can live on income and never touch...
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March 17, 2023
Are my assets safe? FDIC insurance and SIPC protections explained.
Clients often ask us how to ensure that their assets are “safe”. The answer to this question lies in understanding the difference between FDIC insurance for bank accounts and SIPC protections for brokerage accounts. What...
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