Moisand Fitzgerald Tamayo, LLC

Higher Taxes ≠ Lower Market Returns Sarah, a small business owner, thought higher taxes would hurt her investments. But in 2013, when taxes rose for high-income earners, the S&P 500 kept growing. The truth? There’s no clear link between higher taxes and lower market returns. Lesson for business owners: Keep your investments diversified, stay calm, and focus on the long-term plan. History shows that patient investors typically weather these changes just fine.

Why Predicting Markets Isn’t a Retirement Strategy Thinking about which country’s market might outperform? That’s a risky bet for your retirement. Instead of guessing, focus on global diversification. This allows your portfolio to tap into returns from multiple countries, helping smooth out volatility over time. Diversification is key—avoid concentrating too much on one region. Ensure your retirement plan is globally diversified for better long-term stability.

Higher Taxes, Lower Stocks? Not Necessarily! As we approach tax changes, many small business owners, like Mary, are concerned that higher taxes might tank their investments. But here’s a surprising fact: Research shows no clear connection between tax burdens and market returns. Just look at 2013—when taxes went up, the market still thrived! The key is to stay diversified, disciplined, and focused on your long-term plan. Don’t let fear drive your financial decisions. Your wealth can still grow!

The Surprising Truth About Higher Taxes and Market Performance As a small business owner, you may be concerned about how higher taxes in 2026 could affect your investments. Here’s a story that puts those fears to rest. In 2013, taxes rose for high earners, yet the S&P 500 continued to climb each year. Market returns aren't dictated solely by tax rates. Factors like diversification, patience, and a long-term strategy play a bigger role. Stay focused on your long-term goals, not election-year noise. History shows disciplined investors can still come out ahead.

What’s the Real Impact of Higher Taxes on Your Investments? Meet David, a local business owner. As he gears up for tax changes in 2026, he’s concerned that higher taxes could hurt his portfolio. But David remembers one important fact: Market returns don’t live or die by tax rates alone. In fact, when tax rates increased for high earners in 2013, the S&P 500 kept growing year after year. The key to success? Patience, diversification, and focusing on long-term goals. Lesson learned: Keep a balanced investment strategy and don’t let short-term worries derail your financial success.

Focus on Your Financial Plan, Not Politics Presidential elections get a lot of attention, but when it comes to your portfolio, focus on what really matters: your financial goals. Who wins the election won’t change your retirement needs or your plans for the future. Let’s make sure your investment strategy is built to weather any storm, political or otherwise. Contact us to review your plan today!

Elections and Your Investments: Stay the Course Election season brings uncertainty, but one thing remains true: reacting to short-term market movements can be costly. Rather than changing your investment strategy based on who wins the White House, remember that markets have rewarded disciplined investors over time. Stick to your long-term plan. We’re here to help you navigate any market conditions with confidence.

Will Higher Taxes Hurt Stocks? Every election, there’s talk of raising taxes. But remember, while candidates make promises, Congress creates the tax laws. With 535 politicians involved, many proposed tax changes never happen. However, 2024 is different. Regardless of who wins, if Congress doesn't act, tax rates will increase in 2026, reverting to 2016 levels. As of now, with many Congressional seats up for grabs, it's hard to predict what will happen. How Could Tax Hikes Affect the Market? There’s a common belief that higher taxes mean lower market performance. It seems logical: more taxes = less money to spend, invest, or grow businesses. But history tells a different story. In 2013, tax rates went up for those earning over $400,000. Did the market crash? No. The S&P 500 delivered positive returns for five straight years. Research from Dimensional Funds also shows no consistent link between tax burden and stock market performance. Whether taxes rise or fall, markets have remained resilient. Key Takeaways: Taxes are just one factor. Market behavior is influenced by many variables, and taxes alone don’t dictate future returns. Don't rely on election-year predictions. Emotion and uncertainty run high, but making investment decisions based on political forecasts is risky. Stick to a long-term, diversified strategy. History shows that discipline and patience pay off, even if taxes rise and the market dips temporarily.

The power of legacy planning...

Ensuring Stability and Continuity Beyond Retirement Financial planning isn’t just about numbers – it’s about people. We understand that your financial needs and goals don’t end when you retire, and neither does our commitment to you. That’s why we’ve invested in developing our team for the future. Our advisors are ready to carry on our legacy, ensuring the stability and continuity you deserve. Planning today ensures you and your family remain in good hands for years to come. Talk to us about your long-term goals!