Ask the CFP

Should the Tax Tail Wag the Dog?

Ask The CFP® Practitioner Darcie Guerin darcie.guerin@raymondjames.com “Every difficulty slurred over will be a ghost to disturb your repose later on.” ~ Frederic Chopin, Composer Question: How much will the possibility of tax reform influence financial markets, and should I wait until this is completed before reviewing my estate planning documents? Answer: There’s an old adage on Wall Street; “Don’t’ let […]

When Life Changes, So Should Your Beneficiaries

Ask The CFP® Practitioner Darcie Guerin darcie.guerin@raymondjames.com “Don’t let the possibilities be suffocated by procrastination. Go! Now!” ~ Robert H. Schuller, American Author (1926-2015) Question: My neighbor’s husband recently passed away and from what she’s told me it appears that things didn’t unfold as she thought they would. He told her she’d be “okay” and that’s not the case. How often […]

The Power of Dividends

Ask The CFP® Practitioner Darcie Guerin darcie.guerin@raymondjames.com “The beauty of dividends is that you get paid, whether or not the market is up.” ~ Howard Silverblatt, Senior Index Analyst with Standard & Poors  Question: What are your thoughts on how interest rate increases, regulatory reforms and tax changes may influence dividend paying stocks? Answer: Gradually increasing interest rates and the implementation […]

What’s Your Ethical Threshold; Sustainable Investing

Ask The CFP® Practitioner Darcie Guerin darcie.guerin@raymondjames.com “Ethics is knowing the difference between what you have a right to do and what is right to do.” ~ Potter Stewart of “I know it when I see it” fame. United States Supreme Court Associate Justice, 1915-1985. Question: I’ve been reading about sustainable investing. Is this the same as socially responsible investing? Answer: […]


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