Assembly Wealth

💰Direct Indexing vs. Buying an Index Fund: 💰 With direct indexing, you own individual stocks.

Which means you can:
🚫 Exclude industries that do not align with your values
💡 Harvest stock losses and potentially reduce your tax bill
🚨 Avoid becoming overexposed to a single sector or stock
(beneficial if you own a lot of stock in one company, such as your employer)

A financial planner can help you transition your existing holdings into a customized portfolio benchmarked to an index of your choosing. Click the link in the comments to learn more.

Financial scams are more sophisticated than ever, but a little knowledge can go a long way. Here are the top 5 scams we’re seeing right now:

📃 In-person scams where fraudsters go door-to-door
⚡ Cryptocurrency scams where victims get a few wins before losing it all
💲 Exclusive, private investments with guaranteed returns
🛑 Fake tech support calls and pop-ups
🚨 SIM-swapping attacks that hijack your phone number

Our full article explains how each scam works and how to protect yourself and vulnerable loved ones.

👉 Click the link in the comments to read more.

Trump Accounts are designed to help kids build long-term wealth. They offer tax-deferred growth and even a $1,000 government “jumpstart” for eligible children.

However, there are also strict investment rules, potential tax implications and situations where other options, such as a 529 plan, may be more effective.

👉 Before you decide to open a Trump Account, click the link in comments to read all the pros and cons.

If you plan to (eventually) move into a 55+ community or retirement home or are exploring options for a loved one, check out our latest blog post. Click the link in the comments below.

Are municipal bonds a good investment? It depends on your tax bracket and where you live. Click the link in the comments for what you need to know before investing in municipal bonds.

Don’t wait for a crisis to decide how you’ll care for aging loved ones. Click the link in the comments to learn about your options.

⚠️ The cost of a four-year degree is increasing faster than inflation. If you’re concerned about saving for a child’s college education, check out our latest post. We cover:

💰Tax-advantaged ways to save for educational expenses
🛑 Common pitfalls to avoid
📊 How much a college education may cost in the future

Click the link in the comments for more.

Curious about alternative investments? Before you invest, read our short overview of alternative assets, including:

📃Different types of alternative investments
🤔 Pros and cons of alternative investments
❓Important questions to ask before investing

Click the link in the comments to read the article.

Are you following any of these retirement “rules of thumb”?
• Withdraw 4% a year, and you’ll never run out of money
• You only need 80% of your current income in retirement
• Plan to live until age 95
• Pay off your mortgage as soon as you can
• Invest 100 minus your age in stocks

We broke down all five. One should be retired completely. The other four depend on your goals, timeline, and risk tolerance. Link in the comments.

Trump Accounts are a new way to save money for your child’s education or first home purchase. But are they a good fit for your family? Click the link in the comments to learn about the pros and cons of Trump Accounts.