Dec 2025
Year-end is an opportune time for tax planning: you still have time to act, and many 2025 opportunities remain available. It is also simply good practice to review financial matters regularly. Our paper (pdf) has a brief checklist aimed at accredited and high-net-worth investors. These items are provided for general awareness only; they are not […]
read more...Nov 2025
Peak 65 is here: about 11,400 Americans are turning 65 every day through 2027—the largest retirement surge in U.S. history. At this stage, Social Security and Medicare decisions become front and center. And while rules of thumb are convenient, they rarely fit real life. These choices are costly, long-lasting, and usually irreversible. A few key […]
read more...Oct 2025
Q3 2025 Review: Calm Quarter, Positive Outlook: All the major asset classes* rose in Q3 2025, and for year to date. US equities and emerging market equities were the stronger performers in Q3. The key takeaway: a well-diversified portfolio remains critical for preserving and growing wealth over the long term. […]
read more...Sep 2025
In the popular press, the vast complexity of markets is reduced to two tidy words: risk and return. As an investor, I find this oversimplification misleading; misleading enough to jeopardize your retirement plans. Dorchester Advisors’ approach to risk management looks at more than seven risk elements that influence your retirement income. Capital Risk Market & […]
read more...Aug 2025
The old wealth management adage still holds: Concentrate to create wealth, diversify to protect it. But, diversification does not mean that your investments become fallow; your portfolio must keep growing so it can provide rising income in retirement—keeping pace with inflation, taxes, and your lifestyle. Dorchester Advisors’ approach to designing effective portfolios is informed simplicity. […]
read more...Jul 2025
Most major asset classes rose in Q2 2025, except REITs and Commodities. Non-US stocks led the way, followed by US equities. A key takeaway: a well-diversified portfolio remains critical for preserving and growing wealth over the long term. That said, Q2 was volatile, driven by events like the tariff war. As one prominent global strategist […]
read more...Jun 2025
Two tax management strategies that use your investments to reduce taxes are tax loss harvesting and Roth conversions. High net worth investors (Accredited Investors) may also want to explore Investment Gains harvesting as a tax management technique. This is particularly effective if during your transition into retirement you are temporarily in a lower tax bracket. […]
read more...May 2025
Broadly speaking most people are primarily in a working mode or a retired mode. During work years they (hopefully) save (“asset accumulation”) and in retirement they use their investments to create retirement income (“asset withdrawal”). Before retiring, their main source of income was work. After retiring, their main cash flow (“income”) will come from Social […]
read more...Apr 2025
Except for U.S. Equities, the widely followed asset classes* were up in Q1 2025. The notable positive performance was from Non-US stocks (Up 7%) and commodities (Up 8.9%). This underlines the importance of having sensibly diversified portfolios for the long term. Of course, the first week of April upended all these trends as financial markets […]
read more...Mar 2025
So many savvy people have concluded that it is wasteful to spend their life carefully tending to their investments and retirement nest egg, only to have their wishes and desires mishandled when they pass on. Their solution: Estate planning. Here are some thoughts to get you prepared for a meeting with your potential attorney. And, […]
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