Rebecca Lake of U.S. News & World Report includes Joe Heider, president of Cirrus Wealth Management, in an article discussing how savers should consider the timeline for their HSA savings. “It’s a mistake to put in equity when the market is hitting all-time highs and have to pull it out when the market is down,” he says.
How does CD laddering work when inflation is rising?
February 23, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Amanda Dixon’s Bankrate.com article discussing laddering CDs for the short-term. “Laddering makes sense, but as a conservative investor, I would keep it on the short end because there’s not much of a premium pickup to go longer, and if interest rates start rising, they’ll have the opportunity to capture that upswing much faster,” he says.
Rebecca Lake of U.S. News & World Report includes Joe Heider, president of Cirrus Wealth Management, in an article discussing investing needs versus wants for retirement. “The advantage of dividing income streams is that it insulates against risk while still providing flexibility. When an investor uses a portion of assets to create guaranteed income, that income is independent of what the economy or markets are doing,” he says.
U.S. Stocks Pare Gains After Mueller Probe Indictment
February 16, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Michael Wursthorn’s article in The Wall Street Journal discussing the data points driving investors to buy in today’s environment. “With all the strong indicators, data points and earnings out there, investors thought it made sense that this should be a buying opportunity,” he says.
Joe Heider, president of Cirrus Wealth Management, returns to Channel 19 WOIO to discuss recent market volatility. “In any bull market, we always have some corrections. They’re healthy, they take a step back. We almost had a euphoria in January where the market kept going back up. And although it was a huge point drop, it was relatively small in percentages,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Sarah Max’s AARP article discussing how to set children up for financial success. “If you lend money to buy a home your son or daughter can’t afford, you’ve brought yourself into what could be a long-term drain on your resources,” he says.
IBDs in slow-footed race to let advisors text clients
January 22, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Tobias Salinger’s Financial Planning article discussing how regulation can cause communication challenges in the industry. “Telling clients to ‘take it to email’ when they try to send a simple text about the next visit to the office usually doesn’t sit well with them,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Lou Carlozo’s U.S. News & World Report article discussing how the tax legislation will impact the economy. "In general this tax legislation should serve to stimulate U.S. economic growth. The U.S. economy is very complex, which is why there undoubtedly will be unintended consequences to sectors of our economy,” he says.
Wayne Duggan of U.S. News & World Report includes Joe Heider, president of Cirrus Wealth Management, in an article discussing the importance of modern portfolio theory. “Modern portfolio theory continues to be important and relevant for the long-term investor. It helps the investor hold fast to a strategy rather than get carried away with market hype,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Jordi Lippe-McGraw’s Student Loan Hero article discussing how to strategically pay off student loans. “Make it a priority to pay off the higher-
cost debt first to limit the interest paid over time,” he says.
New tax plan won’t help small businesses after hurricane, wildfire, other disasters
December 20, 2017
Nicole Spector at NBC News includes Joe Heider, president of Cirrus Wealth Management, in an article
discussing the new tax bill’s impact on small businesses recovering from a natural disaster. “Businesses
will no longer be able to deduct moving expenses. While we don’t yet know the nuances and interpretations of this in the new tax bill, should a business owner or employee have to relocate after a
disaster, those costs probably won’t be deductible,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Rebecca Lake’s U.S. News & World
Report article discussing why individuals shouldn’t rely on a delayed retirement. One example is when the
market doesn’t match up with its timeline, “safeguards should always be established in the event of
unforeseen circumstances. Planning for the worst and hoping for the best still works,” he says.
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