Financial Planning
November 10, 2025
2025
One of the most valuable yet sometimes overlooked investment strategies is tax loss harvesting in taxable accounts. Another prudent approach is trimming highly appreciated and over-weighted positions. Given the market volatility this year, investors may have had opportunities to harvest losses, while also considering reducing large gains in certain stocks following two great years in the stock market.
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August 19, 2025
2025
The post-election investor excitement for the prospect of pro-growth, pro-business policies from the new Trump Administration ebbed in February, in light of growing uncertainties related to the President’s threat of tariffs, worries over stubborn inflation and a possible slowdown in economic activity.
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August 19, 2025
2025
On a relative basis, the SCV portfolio rebounded nicely in February after declining on the DeepSeek news in late January. We’ve spoken in the past about how the SCV portfolio tends to underperform in lower quality or momentum driven markets due to its value bias but typically performs well in down markets.
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Commentary and Research Papers
August 19, 2025
2025
The markets have been exceptionally volatile this week, largely driven by the Trump administration’s aggressive tariff policies. With new tariffs imposed on imports from Canada, Mexico, and China, and immediate retaliatory measures from these nations, investors are grappling with uncertainty. But beyond the immediate market reaction, some analysts and commentators have speculated that these moves are part of a broader economic strategy—a potential "hard reset" aimed at restructuring key financial dynamics.
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Financial Planning
November 10, 2025
2025
Health Savings Accounts (HSAs) offer a unique triple tax exemption along with the possibility for long-term compounding, making them an exciting financial planning tool. Since HSA funds can be distributed at any time for qualified medical expenses, you have the option to pay out-of-pocket for current medical expenses (if your health and financial situation allows), invest the funds held within the HSA, and let the account grow tax-deferred over time.
Read MoreRead MoreWatch NowFinancial Planning
November 10, 2025
2025
A Health Savings Account (HSA) is a tax-advantaged savings account designed to help individuals pay for qualified medical expenses. HSA contributions do not have to be spent in the year funded and usually can be invested. This allows the HSA account to grow over time. Since Health Savings Accounts are funded with pre-tax dollars, grow tax-free, and allow tax-free withdrawals for qualified medical expenses, these are the most tax efficient savings vehicles available under the U.S. tax code.
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Founded in 1984, Pinnacle Associates, Ltd. is a forward thinking, multi-billion dollar investment advisory firm focused on transparency and putting clients first. We provide advice to individuals and families, institutional investors and other financial institutions.
