Sarsi LLC, an independent, fee only, Registered Investment Advisor offers clients with investment and financial planning services.
Sarsi, LLC is a fee only financial planner. We are a registered investment adviser. We help clients achieve their objectives without the stress (We take on the stress). We are also located at 1 Avenue at Port Imperial, #1214, West New York, NJ 07093
Please read important disclaimer at http://www.sarsillc.com/disclaimer/
06/17/2026
The Truth About Tax-Loss Harvesting: Maximizing Benefits and Avoiding Pitfalls
The Truth About Tax-Loss Harvesting: Maximizing Benefits And Avoiding Pitfalls The Truth About Tax-Loss Harvesting: Maximizing Benefits and Avoiding Pitfalls
05/11/2026
What should I do with my large tax refund?
What Should I Do With My Large Tax Refund? What should I do with my large tax refund?
First Quarter 2026 Market Newsletter
https://www.sarsillc.com/wp-content/uploads/2026/04/1Q-2026-Newsletter.pdf
EXECUTIVE SUMMARY
- Global optimism from late 2025 evolved into a more complex environment where resilient U.S. consumer spending and a stable labor market offset pressures from sticky inflation and geopolitical tensions.
- While global equities and bonds faced headwinds, investors found success by rotating into "out-of-favor" areas like Value and Small-Caps, which provided a critical buffer against the 12% drop in the "Magnificent 7."
- The U.S. economy continues to grow, though at a more fragmented pace, with high-migration regions in the Sun Belt and new industrial hubs significantly outperforming more stagnant coastal markets.
- Outside the U.S., economic conditions remain mixed; however certain countries are benefiting from appreciating commodity prices.
- A major highlight of the market's fundamental strength is that most of the 2025 equity returns were driven by robust earnings growth rather than just speculative hype.
- Corporate profitability remains a strong foundation, with 76% of S&P 500 companies beating expectations in the fourth quarter of 2025 and delivering the fifth consecutive quarter of double-digit earnings gains.
- Although valuations are facing increased scrutiny, forward-looking earnings and revenue forecasts for 2026 have recently been revised upward, which augurs well for future equity performance.
- The quarter reinforced the "fallacy of point-in-time returns," proving that a disciplined, diversified approach is the most reliable way to navigate shifting market tides.
- Historical shifts in S&P 500 leadership (such as AIG and Citigroup) remind us that diversification allows investors to capture the rising stars of "creative destruction" while avoiding over-exposure to yesterday's winners.
02/19/2026
Self‑Employed? The Right Financial Advisor Can Save You Thousands (Wall Street Journal)
Self‑employed ? The Right Financial Advisor Can Save You Thousands self‑employed ? The Right Financial Advisor Can Save You Thousands. Self‑employed people juggle cash flow, taxes and retirement. A financial advisor can help you save money and keep your business and personal finances aligned
What Elite Tax Pros Wish Their Wealthy Clients Knew. (Bloomberg)
02/03/2026
Tax Day 2026 is approaching. Are you ready for the OBBBA changes?
Increased SALT caps to restored 100% bonus depreciation things have shifted high for earners.
Read filing guide & checklist: https://www.sarsillc.com/prepare-for-the-2026-tax-season-filing/
Prepare For The 2026 Tax Season Filing Prepare for the 2026 Tax Season Filing with this guide from Deva Panambur, CFA®, CFP®. Learn how the OBBBA impacts SALT caps, depreciation, and IRAs.
http://www.sarsillc.com/wp-content/uploads/2026/01/4Q-2025-Newsletter.pdf
EXECUTIVE SUMMARY
- US stocks performed well in 2025, helped by large technology companies, though performance broadened modestly toward the end of the year.
- Foreign stocks outperformed US stocks significantly, helped by a declining dollar, corporate reforms and improved profitability in Japan as well as fiscal stimulus in Europe.
- Fixed income delivered a solid recovery after several challenging years, helped both by higher coupon income and declining interest rates as monetary policy gradually eased.
- The U.S. economy continued to expand in 2025, though at a slower pace than in prior years.
- The Federal Reserve cut its benchmark federal funds rate during the second half of the year.
- Political developments played a visible role in shaping market sentiment during 2025.
- Corporate earnings continued to be strong as companies navigated the uncertain and unstable environment.
- US stocks are more expensive than foreign stocks in absolute and relative terms.
- There are elements of investor behavior and market pricing currently that rhyme with previous bubbles but there are key differences that seem to suggest we are not yet in a bubble.
- Investors should continue to focus on diversification to create resilient portfolios.
01/05/2026
Should you rebalance your portfolios?
Should I Rebalance My Portfolios? Should I rebalance my portfolios?
Should I use a retirement account to pay off a HELOC (Mortgage)?
10/17/2025
Contrary to what you would think, the maximum income tax incurred on ordinary income is not 37% (The highest tax bracket) but a lot higher when certain 'tax torpedoes' such as reduced deductions are factored in. Comprehensive planning is important