Lake Hills Wealth Management

PCE data drops Thursday morning and Wall Street will have hot takes by 9:30.
We'll read them. They won't change a single planning recommendation.
The moves that matter most for high-net-worth families this year don't shift because of a monthly inflation print. The brackets are set. The OBBBA passed in July. Roth conversions, RMD compression, IRMAA management, estate planning at $15M — these are structural decisions, not reactions to Thursday's number.
If your financial plan was built under the old tax code, it may be time to revisit the assumptions underneath it.
This week's Perspective → https://lakehillswm.com/pce-prints-thursday-heres-why-your-tax-planning-shouldnt-care/

The 30-year Treasury yield just hit 5.19% — a level we haven't seen since 2007. At the same time, the S&P 500 is at all-time highs.
These two things happening together is historically unusual — and history has a few things to say about what tends to follow.
We looked at three prior episodes. The outcomes were completely different each time. That's the point.
We're not sounding an alarm. Our risk signals haven't triggered. But we are paying close attention to three specific signals that will tell us which direction this resolves.
New post on the site — worth a read if you have money in markets right now. →
https://lakehillswm.com/the-30-year-yield-just-hit-5-19-heres-what-history-actually-says/
For informational purposes only. Not investment advice. Past performance does not guarantee future results. Lake Hills Wealth Management is an SEC-registered investment adviser.

Semiconductor stocks just had one of their biggest rallies in 30 years. In 43 calendar days, they surged 68% off the low. We looked at the three closest historical analogs — the 1998 crisis rebound, the 2000 dot-com peak, and the 2002 bear-market relief rally.

The forward returns were completely different from each other. One led to a 112% gain over the next year. One led to a 60% loss. One faded, then slowly recovered.

The takeaway isn't bullish or bearish — it's that the next 30 to 45 sessions will tell us more than the last 30 did. This is a risk-management moment, not a victory lap.

We broke it all down here: https://lakehillswm.com/when-semis-run-this-hard-history-says-the-next-phase-matters-most/

If you're wondering what this means for your portfolio, reach out — we're happy to talk through it.

For informational purposes only. Not investment advice. Lake Hills Wealth Management is an SEC-registered investment adviser. Full disclosures: https://lakehillswm.com/customer-disclosures/

Wish you could use some of your retirement money before age 59.5 without paying the 10% penalty? Find out how a Roth conversion ladder can help you do that.
https://www.investopedia.com/how-roth-conversion-ladder-works-5214808

How the Roth Conversion Ladder Works A Roth IRA conversion ladder is a multiyear strategy that lets you tap your retirement account before reaching age 59½—without taxes or penalties.

Strategic tax planning can lower your tax bill this year and in the future. Find out more about how we help clients optimize their tax planning.
https://www.lakehillswm.com/tax-planning/

Tax Planning - Lake Hills Wealth Management With proactive planning and collaboration with your tax advisor, Lake Hills will seek opportunities to lower your tax bill.

Tax season has started! It may be hard to reach the IRS by phone, but they still expect your return.
https://www.marketwatch.com/story/this-years-income-tax-filing-season-starts-jan-24-and-the-irs-says-its-going-to-be-a-frustrating-one-11641835408

This year's income tax filing season has started, and the IRS says it's going to be a 'frustrating' one Taxpayers should be ready for delays processing 2021 tax returns, IRS officials say.

Are you ready to make your financial vision a reality? Our team works together with you to lay out the step-by-step directions on reaching all of your financial goals.
https://www.lakehillswm.com/financial-planning/

Financial Planning - Lake Hills Wealth Management Lake Hills Wealth Management advises in areas of financial planning such as estate plans, taxes, financial planning, and retirement planning.

Retired? Here are key dates for retirees to avoid unnecessary fees in 2022.
https://www.kiplinger.com/retirement/retirement-planning/604022/a-2022-guide-to-key-dates-for-retirees

A 2022 Guide to Key Dates for Retirees | Kiplinger Missing an important deadline can sometimes mean a financial hit. Here is a checklist of what you need to do and when to avoid any potential issues.