JST Investment Consulting, RIA
Fiduciary and Investment Advisor
As a Fiduciary Investment Advisor and the President of Seal Beach-based JST Investment Consulting, RIA. Jeffrey Tilson helps families and small businesses take the stress out of investing and employee retirement benefit plans. His specialties include asset management, retirement planning, education planning, investment risk mitigation, and protection planning just to name a few. Jeffrey aims to help his clients be objective in making the right decision with a very emotional item: their money. He develops a goal oriented plan with his clients and works with his clients to choose a proper strategy without all the guesswork. There are no commissions or withdraw penalties at any time on investment management services.
Jeffrey started his firm in 2011 after successfully co-managing and servicing clients representing approximately $220 million of client investment assets as a financial advisor with Ameriprise Financial Services for 10 years. He began his referral-only investment consulting firm to seize the opportunity he saw to provide a high level of service at more cost effective platform he can pass on to his clients.
Jeff credits persistent optimism for his business accomplishments and ability to successfully navigate the many aspects of the wealth management business. He is most proud of leveraging his education and experience to attain professional freedom, and he looks forward to networking with like-minded individuals in order to continue to grow his business.
Jeff lives an active lifestyle and also enjoys spending time with family, traveling, and church activities, just to name a few.
Finance, Real Estate, and Law, CSU Long Beach
Management Information Systems, CSU Long Beach
Assets Under Management:
JST Investment Consulting does not provide tax or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable. The information in these materials may change at any time and without notice.
Jeffrey Tilson Investopedia Interview
Recommendations like this are hard to make when we don't have a complete picture of your financial situation. Life Insurance is protection and should be used as that first and foremost. In my experience, someone selling gimmicky products and strategies are typically not suitable. Make sure you understand what the terms and commissions involved are as these types of strategies come with very large payouts to "advisors." Do your homework and be careful.
Hope that helps.
Thanks for the question. I have researched stock certificates throughout my career and it all comes down to research. There is nothing too formal about the research. Since the shares are not in your name you will want to determine if they are negotiable, meaning you can cash them in based on market value no matter the registration. A negotiable certificate will be signed on the back by the original share holder. If not, you will need to contact the registered owner of the certificates and have those shares transferred to your name. If the person is deceased and didn’t mention the shares in he/she will, then it may be problematic and you will want to gage the possible value before any serious action is taken.
Since the stock shares are old and in certificate form, you will have to do the research legwork first to get a valuation. This can start with locating the name of the transfer agent somewhere on the certificate. More then likely the name of the company has changed and the transfer agent has as well. Computershare is a transfer agent that holds a great amount of old company shares and may be a good resource for you. http://www.computershare.com/us Other then that, keyword search on google.com the transfer agent and company name.
A good financial advisor may be able to assist you in the search as well. Typically, the FA’s back office has access to records and other tools to help you with your search.
Hope this helps and good luck on your search!
This question will need more details to be answered appropriately. A few things to think about are your cost basis, including improvements, and whether you want to or can use 1031 exchange to defer the tax bill with acquiring another property. This would be a great discussion with your tax advisor that knows your individual circumstances.
Hope that gets you pointed in the right direction.
Thanks for the question. Being young has many advantages as an investor. If you have positive cash flow or money left over every month, you have the ability to save little and earn big over the long term. Starting nearly as possible is crucial in prudent investment planning.
For someone your age, I would typically recommend opening a ROTH IRA. Since you are working, you are more then likely qualified to maximize the plan. The great thing about the ROTH is that you can take you principal out anytime without penalties. Earnings are taxable, plus 10% early withdrawal penalty (until age 59.5), but you most likely won’t touch it for many many years. There are also 1 time provisions to use the money, such as to put a down payment on a first home.
Within the IRA, you have an array of financial securities to chose from. And yes, an ETF is a great option. I can’t get into specifics here, but an index based ETF would make sense. Even an age based ETF from Vanguard or iShares would work for your long term goals. It provides diversification and low expenses. You can typically setup auto deduction from your bank account. Systematic purchases is the way to go so you can take advantage of dips in the market.
Good luck and hope this is helpful to you!
Essentially, unless you are selling your home, you would not be subject to any capital gains taxes. From a property standpoint, your property assessment/tax would go up and may have a higher annual amount due (depending on state and county). Check with your local county assessors office. If you are planning to sell, married couples filing jointly receive a $500,000 exclusion and there would be no tax implication on a sale price of $500,000 or lower. Now if you are single, you would be liable for GAINS of $250,000 or greater. Info on that here: https://www.irs.gov/taxtopics/tc701.html
You will want to take in consideration your purchase price and all improvements you've made while owning, which will increase your tax basis, lowering your reported gains. Info on that here:
Good luck and I hope this helps!