Financial Advisor Portland Oregon

Vision Capital Management has been providing clients financial planning and investment management services since 1999. Visit our site to find out more

How To Help Your Teenager Start Investing

In this grand age of communication and technology, it is likely your teenager is on the internet and has come across the concept of investing. Perhaps their curiosity was sparked by reading the forum WallStreetBets on Reddit, seeing a Tweet about stocks, or a family member sharing an article on Facebook about saving for retirement.

Start InvestingIf they are ready to start investing, the good news is they have options! Many custodians and platforms allow minors to open a retirement or taxable investment account with parental consent. This provides a great opportunity for teenagers to learn how to save and invest, all while gaining valuable financial literacy. In addition, the younger someone is when they begin investing, the more time their investments have to grow through compound earnings. It’s a win-win! [Read more…]

Environmental, Social, and Governance (ESG) Investing Explained

As environmental and social justice matters continue to make national headlines, you may be wondering if your financial investments align with your personal beliefs and values.

In recent years, the concept of socially responsible investing gave rise to the practice of Environmental, Social, and Governance (ESG) investing, which uses those guidelines to build a sustainable and ethical portfolio. Potential investments are screened for a variety of factors in each category to ensure that investments are made in companies whose leadership has demonstrated through ethical practices and policies that they care about people and the planet. Like all investing, there are both pros and cons, and it’s important to work with a financial company or advisor who is transparent and trustworthy when deciding if and how to begin ESG investing.

Environmental Social Governance Investing [Read more…]

The Psychology of Investing

Psychology of InvestingWhen it comes to investing our hard-earned savings, it’s difficult to remove emotion from our decision making, especially as those savings fluctuate up and down with the market. For most people these assets are grown over decades through saving and hard work – how could we not be emotionally attached? Especially when considering retirement assets, a portfolio can feel like a member of the family; they’ve seen the good times and the bad, from the job we loved to the one we didn’t, from our youngest child’s wedding to our first health scare. However long you’ve been invested, it’s likely that you know the feeling of watching the markets drop and the inevitable sinking stomach feeling. Perhaps that feeling and the corresponding worry stayed with us longer than it took for the market and our portfolios to recover and now informs our current financial decision-making. Why then, can few of us mark the moments in time when our investments grew significantly and we celebrated their success?

[Read more…]

How Technology is Changing Financial Custodian Services

Technology continues to alter and evolve the way in which we transact with each other and the world around us. We’ve moved from computers being a luxury in the late 1980s, when less than 1% of the world’s technology-stored information was in digital format, to today, where people can hold a computer in their hands and nearly all information is stored digitally.

digital financial custodians

Along with the mass adoption of technology, the traditional means of executing and recording financial transactions has shifted significantly and continues to do so. Major financial custodians are changing some of their longstanding client service offerings in order to keep up with the ways in which their clients transact in today’s economy.

[Read more…]

The Benefits of Taking Your RMD Early in the Year

Welcome to a new year! With the holidays and celebrations behind you, it’s time to plan for the year ahead. If you have one or more retirement accounts and are over the age of 70 ½, taking your required minimum distribution (RMD) will be on the “to do” list for you and your financial advisor.

RMD - Minimum Required Distribution

What’s an RMD and why do I have to take money out of my retirement accounts?

The biggest benefit of saving in retirement accounts is tax-free growth, meaning you never pay capital gains tax as the assets increase in value over time (motivation to start saving early!). The IRS, however, doesn’t want you and your beneficiaries to receive this benefit for eternity so, at the age of 70 ½, you must start taking money out of the account. Roth IRAs are an exception in that distributions aren’t required during the original owner’s lifetime but, after the owner’s death, beneficiaries are required to take annual distributions over the course of their lifetimes.

[Read more…]

Certifications and Associations

Certified Women Owned Business
Certified
Private Wealth Advisor
Certified Financial Planner
CFA Institute
Certified Divorce Financial Analyst
Financial Planning Association Member
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