Everyone needs a financial plan.  Have you ever tried to build something without directions or driven somewhere far without mapping out the trip using the GPS in your car? It not only is a lot more difficult, but the final result is nowhere near as good as it could have been.  At Presilium we always […]

One of the most important decisions you will ever make for your family’s long-term future is the blend of stocks and bonds in your investment accounts. This mix will be by far the dominant driver of your investment returns. It is crucial to choose an investment allocation that matches your financial plan and then rebalance […]

Today we wanted to discuss something that we regularly complete for clients whenever we have the opportunity – tax loss swaps. A tax loss swap allows us to capture realized losses that can be used to offset future gains without making a large change to your overall investment allocation. This how a tax loss swap […]

Today we will discuss another way to measure risk in your portfolio, which becomes especially important once you are retired. Here at Presilium, we measure risk by looking at the amount of retirement income you’ll need each year and comparing that to what is currently held in short-term bonds and cash. Said another way, in […]