Institutions

California-Required Gift Annuity Reserves Change in Assumptions

The California Department of Insurance has changed the way gift annuity reserves are calculated. The required reserve for gift annuities received afte...
Read More
Grow Wealth

Asset Allocation and Diversification: Investment Management Research and Due Diligence

Clifford Swan Investment Counselors hosted a conference call on November 10, 2016 as a part of an "Our Best Thinking" educational series for clients a...
Read More
Market Commentary

Negative Interest Rates: The Imaginary Has Become Reality

In finance and economics, negative interest rates were thought to be imaginary and impossible. In the last few years, the impossible has become realit...
Read More
Manage Wealth

Making Withdrawals from IRA Accounts

The purpose of this article is to describe IRA withdrawals for a typical retiree. It is not meant to be a comprehensive review of the subject, or to o...
Read More
Manage Wealth

Family Wealth: Mentoring the next Generation

Famous people often credit mentors with helping them succeed. The terms coach and mentor are often used interchangeably, but the two have different re...
Read More
Market Commentary

Market Outlook: A Roundtrip Journey

The last market outlook I wrote for this publication was in July 2015. At that time, the S&P 500 Index, which serves as a broad stock market proxy, wa...
Read More
Manage Wealth

New Retirement Regulations Mirror Long-Standing Clifford Swan Principles

On April 6, 2016, the Department of Labor issued new regulations that affect both retirement investors and advisers and provide for sweeping change wi...
Read More
Manage Wealth

Social Security Rule Changes

With the passing of Bipartisan Budget Act last November, the Social Security “file and suspend” and “restricted application” strategies we discussed i...
Read More
Grow Wealth

Fixed Income: Strategy and Execution

Clifford Swan Investment Counselors hosted a conference call on March 3, 2016 as a part of an "Our Best Thinking" educational series for clients and f...
Read More
Manage Wealth

2016 Tax Guidelines on Gifts

Tax-Free Gifts Every individual is entitled to gift up to $14,000 (unchanged since 2013) per year to any other individual(s) free of federal gift tax...
Read More

Stay Connected