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Understanding Tax-Loss Harvesting: A Guide for Investors
3 minutes read

Understanding Tax-Loss Harvesting: A Guide for Investors

Understanding Tax-Loss Harvesting: Tax-loss harvesting is a sophisticated investment strategy that involves the selling of securities at a loss to offset a corresponding gain. When applied effectively, this technique can reduce the taxable income and enhance the tax-efficiency of an investment portfolio. The essence of tax-loss harvesting lies in its capacity to lower the investor's current year's…
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The Power of a Holistic Approach to Public and Private Equity Markets for Accredited Investors
3 minutes read

The Power of a Holistic Approach to Public and Private Equity Markets for Accredited Investors

The Power of a Holistic Approach to Public and Private Equity Markets for Accredited Investors When it comes to growing and preserving wealth, accredited investors have a unique advantage in harnessing the often-underestimated synergy between public and private equity markets. By utilizing a comprehensive strategy that integrates both markets, investors can optimize their returns and build a robust…
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The Impact of Presidential Elections on the Stock Market
2 minutes read

The Impact of Presidential Elections on the Stock Market

The Impact of Presidential Elections on the Stock Market Investors often ponder the connection between elections and stock market performance, whether it's during mid-term elections or presidential elections. This topic tends to resurface every election year, sparking discussions and analysis among market participants. Whether you're a novice dipping your toes into the world of investing or a seasoned…
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Maximizing Real Estate Returns in Texas
7 minutes read

Maximizing Real Estate Returns in Texas

Maximizing Real Estate Returns in Texas: Investment Strategies & Ownership With Texas's changing property tax landscape, real estate is becoming an increasingly attractive asset class. Discover if and how real estate may fit within your investment portfolio. Governor Abbott recently signed one of the most significant property tax cuts in American history, officially using $18 billion of the state’s…
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Top Tax Moves for High-Net-Worth Investors to Consider Before December 31
4 minutes read

Top Tax Moves for High-Net-Worth Investors to Consider Before December 31

Top Tax Moves for High-Net-Worth Investors to Consider Before December 31 As 2023 draws to a close, now is the time to proactively review your accounts with your team of wealth professionals to make strategic tax moves before the end of the year. With accurate annual income projections in sight, there are several timely opportunities to consider: maximize pre-tax deductions and strategically plan…
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A Comprehensive Guide to the Private Equity Due Diligence Process
4 minutes read

A Comprehensive Guide to the Private Equity Due Diligence Process

Private equity investments offer the potential for significant returns, but they also carry a considerable amount of risk. Therefore, conducting a thorough due diligence process is crucial to evaluate the viability and suitability of these opportunities. We have constructed a robust infrastructure that allows us to bring private equity opportunities directly to you, ensuring a more transparent and…
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Pros and Cons of Private Equity Investing: What You Need to Know as a High-Net-Worth Investor
4 minutes read

Pros and Cons of Private Equity Investing: What You Need to Know as a High-Net-Worth Investor

Private equity investments can be an attractive option for investors looking to diversify their portfolios and potentially earn higher returns. However, before jumping into this type of investment, it's critical to consider whether it's the right choice for your individual financial goals and risk tolerance. What are the pros of private equity investing? Higher potential returns: Private equity investments…
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The Ultimate Guide to Private Market Investing
10 minutes read

The Ultimate Guide to Private Market Investing

Getting Started with Private Markets as part of a Comprehensive Investment Strategy for Accredited Investors. Private Market Investing has become increasingly popular over the years as investors seek higher returns in a low-interest-rate environment and an alternative to the daily volatility of the public markets1. Private Markets can be a profitable venture for the right investor. While investing…
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Is my money safe? Understanding the impact of a bank collapse
6 minutes read

Is my money safe? Understanding the impact of a bank collapse

The recent collapses of Silicon Valley Bank (SVB) and Signature Bank (Signature) resulted in two of the three biggest bank collapses in U.S. history, behind the 2008 collapse of Washington Mutual. This has created uncertainty over the stability and liquidity of all banks, especially for those with over $250,000 FDIC limits in a single institution—including many small businesses needing liquidity for…
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Why Average Rate of Return is Not the Key to Retirement Income Planning
4 minutes read

Why Average Rate of Return is Not the Key to Retirement Income Planning

Many investors use the average rate of returns as one of their primary metrics for assessing portfolio performance. In your earning years, the average rate is a useful benchmark because most people are focused on total wealth accumulation. But when you enter retirement, the order in which you experience those returns becomes much more important. A bad year or two at the start of retirement could have…
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Inflation: Responding Appropriately with Flexibility and Discipline
4 minutes read

Inflation: Responding Appropriately with Flexibility and Discipline

Inflation is a hot topic these days with many experts and financial institutions offering predictions about the short- and long-term outlook. The truth is, no one can tell the future, and trying to guess our way around what will or will not happen is poor financial planning. Instead, let us take an objective look at the risks associated with inflation, the right mentality for approaching the issue,…
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Opening the back door to tax-free earnings
2 minutes read

Opening the back door to tax-free earnings

As covered in our 401(k) – Super Roth article, a Roth IRA offers an attractive tax benefit. But, what do you do if you do not have a 401(k) or your 401(k) does not allow post-tax contributions? The answer is the BackBack-Door Rothdoor Roth which is the conversion from a Traditional to a Roth IRA. Both the Super Roth and Back Door options are for people who exceed the income limits (single filers that…
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Rolling over your 401(K)? Consider Net Unrealized Appreciation first
4 minutes read

Rolling over your 401(K)? Consider Net Unrealized Appreciation first

At Granite Harbor Advisors, we believe in helping our clients better understand all of their options so they can make the best decision for their families. To that end, here is a more detailed look at what net unrealized appreciation is and how you can use it to advance your financial goals. What is net unrealized appreciation (NUA)? Net unrealized appreciation is simply the difference in value between…
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Do I Need a Financial Advisor?
2 minutes read

Do I Need a Financial Advisor?

In the 21st century, endless information is accessible in the palm of our hands. With a few clicks, we can find the basic information we need to make financial decisions quickly and easily. But for some of us, basic information is not enough. Additionally, we tend to have limited amounts of time for researching, implementing, and monitoring financial decisions. If you find yourself thinking about some…
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Is This Risk Worth Taking?
1 minute read

Is This Risk Worth Taking?

Have you ever been faced with a difficult decision? Not sure which way to go because you didn’t fully understand the risks involved? Much like playing cards, there are times where we need to fold, and move on, and there are times where we should stay in the game based on anticipated risks and rewards. When evaluating risk associated with financial planning, there are some risks that we are willing…
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Off the Mark
2 minutes read

Off the Mark

If you walk into your bathroom and step on a scale, you generally have a number in mind that you expect the scale to read. If the number is higher than expected, you know that you are skipping dessert for the next week. If the number is lower, then you are one step closer to cinnamon rolls for breakfast. It is human nature to make estimates and comparisons. Every day we evaluate our current environment…
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Videos:

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15-Minute Quarter: Light at the End of the Tunnel

15-Minute Quarter: Light at the End of the Tunnel

Q4 - 2022 Quarterly Market Summary Welcome to another episode of The 15-minute Quarter! Each quarter Granite Harbor Advisors presents a 15-minute overview of the last 90 days in the market and answers many common questions we have received. In this episode, The Light at the End of the Tunnel, our very own Nick Brown, CFA, CFP® provides commentary on 2022's fourth quarter and how Granite Harbor Advisors is navigating the current climate.
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15-Minute Quarter: Paying the Risk Premium

15-Minute Quarter: Paying the Risk Premium

Q3 - 2022 Quarterly Market Summary "Paying the Risk Premium" is the title of this episode. As you may know, our investment philosophy is built upon scientifically identified areas of premium return in the markets. We pay that premium by staying disciplined during difficult market environments so that we are positioned for recovery.
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The 15-Minute Quarter: New Year, Same Headlines

The 15-Minute Quarter: New Year, Same Headlines

2021 Year-End Review We are finally into a new year, but we are still seeing the same headlines. Rising interest rates. Inflation surging. Build Back Better is back on the Senate floor. The media has proven to continue to be in the business of selling advertising and not financial advice! Roth conversions are still available, and more.
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The 15-Minute Quarter: Back in Tax

The 15-Minute Quarter: Back in Tax

Q3 - 2021 Quarterly Market Summary With the exception of emerging markets, the global equity markets were pretty quiet along with the global fixed income markets. We discuss some of the key headlines coming out of capitol hill regarding tax law changes on the horizon.
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The 15-Minute Quarter: Everything is Bigger Everywhere

The 15-Minute Quarter: Everything is Bigger Everywhere

Q2 - 2021 Quarterly Market Summary "Everything is Bigger Everywhere" is the title of this quarterly summary as global equity markets surge. Oil prices hit a two-year high as OPEC sees more demand. A cyberattack on US pipeline forces closure. US inflation hits 13-year high as prices surge. The fed pencils in earlier than expected interest rate increase.
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The 15-Minute Quarter: Small Cap Takes a Victory Lap

The 15-Minute Quarter: Small Cap Takes a Victory Lap

Q1 - 2021 Quarterly Market Summary A full year after the start of the pandemic, we reflect back on the victory lap small cap stocks have taken over the last year. A year ago, the headlines were "at least a fourth of the US economy goes idle from lockdown" and "decade of job gains erased in April". What a difference a year makes. The Dow closes above 33,000 for the first time, and the Russell 2000 up 15% just this year.
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Ebooks:

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Avoid Emotional Money Mistakes

Avoid Emotional Money Mistakes

Making financial decisions with confidence Experienced leaders understand that emotional reactions and split- second decisions rarely yield the best results. When challenges arise, business owners and executives instead rely on data, thoughtful strategies, and experience to help their organizations achieve performance goals. The same is true for personal finances. When uncertainty arises or things do not go as planned, letting emotion guide your decision-making can have profound financial implications. After years of hard work to achieve success, it can be extremely difficult to separate emotions from disciplined decision-making. Even a brief moment of compromised judgment can have a lasting effect on your financial health and legacy. To help you avoid missteps, a team of fiduciary-level advisors can provide valuable objectivity and a voice of reason when complex emotions are involved. This ebook examines situations that can sometimes lead to emotional decision-making and how the right advisors can help you stay on track toward successful wealth management.
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