Q3 Review:
The Gain
Train
Rolls On

A Guide to Capital Gains Taxes

Capital gains taxes can be a headwind that investors face when making investment decisions. Josh Weszka discusses how capital gains taxes can impact portfolio returns and overall financial planning decisions.

A Guide to Custodial Roth IRAs

Contributing to a Roth IRA is an extremely efficient way to save for retirement, even for children. Charles Bubeck discusses how to give your children a head start to retirement using a custodial Roth IRA.

Q3 Review:
The Gain Train Rolls On

The summer’s market action was highlighted by a sharp correction, followed by a quick recovery with broader participation as investors cheered the arrival of long-awaited rate cuts.

When to Start Social Security Benefits

Determining when to claim your Social Security benefits is an important decision and should be based on your own specific situation, goals, and income needs. Jordan Hucht discusses what to consider when deciding when to begin Social Security benefits.

Market Update: August 2024

August’s economic data showed signs of continued economic growth as consumer and business spending rebounded.

A Guide to
Tax Mitigation Stategies

Tax mitigation is a critical component to comprehensive financial planning. Josh Weszka discusses various tax strategies to consider throughout the year that can help maximize your overall tax efficiency.

Market Update: July 2024

The economic backdrop remains supportive, and signs of a soft landing continue to show in the data for the month of July.

A Guide to
College Savings

With the cost of higher education rising annually, saving for college is on every parent’s mind. There are several vehicles designed specifically for this and each has advantages and disadvantages. Charles Bubeck discusses the most popular vehicle for college savings, the 529 Plan.

Q2 Review:
CPI, AI, and
New Highs

After stumbling out of the block in April, markets found familiar footing in May and pushed on to new highs, turning in a strong first half for stocks. The second quarter saw a return to the declining inflation, AI-inspired narrative that has mostly captivated the market since last fall.

Market Update: June 2024

Markets continued to rise, with all three major U.S. indices growing in June.

A Guide to
529-to-Roth Rollover

The ability to roll 529 funds to a Roth IRA could be a useful option to handle unused 529 funds; in fact, it may be the most impactful planning opportunity from SECURE 2.0. Jordan Hucht discusses this financial planning opportunity.

Market Update: May 2024

Markets rallied in May, with all three major U.S. indices up for the month.

What a Financial Advisor Can
Do For You

There are many reasons to consider using a financial advisor, including the complexity of investment options and the ever-changing financial landscape that can be difficult to manage without professional guidance. Jason Weszka discusses what you should consider.

Vision Wealth Partners Announces 2024 Scholarship Recipients

We are thrilled to announce that two graduates have each been awarded a $10,000 scholarship.

Market Update: April 2024

Although economic data released in April showed continued strong levels of economic growth, inflation remains stubbornly high.

A Guide to Benefit Decisions When Changing Jobs

If you’re making a job transition, it’s likely you have a lot on your mind. As you focus on wrapping up work with your previous employer and prepare for a new role, it may be easy to let important benefits-related decisions fall by the wayside. If that happens, you could miss a limited opportunity to sign up for new benefits or miss out on the potential for making wise changes to your plans. Charles Bubeck discusses in the video.

Q1 Review: Riding High

The momentum that propelled financial markets higher at the end of last year continued in the first quarter, with the S&P 500 setting new records. However, we’ve already begun to see a shift in sentiment and momentum as inflation has stalled and rates have risen in the past few weeks.

Market Update: March 2024

Improving fundamentals and a healthy economic backdrop helped drive the gains in the first quarter.

Avoid Common Errors Surrounding Required Minimum Distributions

When it comes to retirement accounts, many investors often fail to think about required minimum distributions. That oversight can lead to unnecessary tax burdens and other financial issues. In order to handle RMDs effectively, an understanding of the rules—and common errors people make—can be beneficial.  Jason Weszka takes a look at some common errors. 

Charles Bubeck Takes on Expanded Role

Vision Wealth Partners proudly announces the well-deserved promotion of Charles Bubeck, AIF®, CPFA®.

Market Update: February 2024

While the economic updates were largely positive in February, the stronger-than-expected growth also contributed to still high levels of inflation.

A 7-Point Checklist for Your Estate Plan

When it comes to estate planning, executing your will and other estate documents is only the first step. To help ensure that your estate plan stays in tune with your goals and needs, it’s important to review and update it on an ongoing basis. Josh Weszka reviews seven areas you should check on routinely to keep your estate plan in good shape. 

Market Update: January 2024

It was a strong start to the year, as all three major U.S. equity indices began the year in positive territory.

Active Vs. Passive Portfolio Management

Active and passive managers both claim to deliver superior results. It can be confusing for average investors to make sense of the rhetoric and to develop a clear, disciplined strategy tailored to their individual needs. Jordan Hucht discusses active vs passive portfolio management.

Market Update: December 2023

Markets continued to rally in December, with the positive returns during the month contributing to a strong end to the year.

Vision Wealth Partners Recognized as Forbes
Best-In-State Team

Vision Wealth Partners, a leading wealth advisory team, is proud to announce its recent recognition as a Forbes Best-In-State Wealth Advisor Team.

Q4 Review: The Powell Party

In a stark reversal of sentiment, the fourth quarter began with stocks and bonds reeling in fear of higher rates for longer, only to be reversed by Goldilocks economic data, leading Fed Chair Jerome Powell to ring the party bell by essentially validating the market’s hope that rate hikes are over and that cuts are coming. This set off a wild end to the year, with stocks rallying and interest rates falling.

10 Common Mistakes Made in Retirement

Most people have been planning for retirement to some extent ever since they started working. So as the golden years finally near, so does the reality of having to transition from the accumulation phase to the deaccumulation phase of financial planning. This is a paradigm shift that needs to be handled with careful planning to avoid the pitfalls that come from common mistakes. Josh Weszka discusses 10 common mistakes to avoid.

Market Update: November 2023

Markets roared back in November, as interest rates dropped to September levels.

A Guide to Mitigating Interest Rate Risk

There’s no way to completely eliminate investment risk, even when it comes to fixed income investments. But understanding your risk exposures and having a plan to handle varying environments can help achieve the best results.  Jordan Hucht discusses fixed income investment strategies to mitigate interest rate risk.

Market Update: October 2023

Equity markets continued to drop in October, with all three major U.S. indices down for the third consecutive month.

Emotions of Investing

In the world of investing, logic and emotion have never been a perfect pairing. It is certainly logical for investors to stay focused on their long-term plan during volatile markets but emotionally it's hard to follow that rationale. Emotional instincts, although valuable in certain aspects of our lives, may contradict and get in the way of sound investment decisions. Jason Weszka discusses the emotional cycle in relation to market fluctuations. 

Market Update: September 2023

Equity markets fell for the second consecutive month in September, causing all three major U.S. indices to end the month and quarter in the red.

Q3 Review: Reality Check

After a first half of the year that saw financial markets soar in the face of pessimistic expectations, the rally had a reality check in the third quarter as the tide turned behind a convergence of new and old concerns. Stronger than expected economic growth led to interest rates reaching new cycle highs while labor strikes, higher oil prices, and a looming government shutdown became the latest ingredients in the current recipe for market volatility.

Roth Conversions

While most people are familiar with Roth contributions, whether it be a Roth IRA or within a 401(k) plan, fewer are aware of Roth conversions and, specifically, WHEN they should be considered, and HOW they can be an effective tool in long-term financial and estate planning. Jordan Hucht discusses the use of Roth conversions in this video.  

Market Update: August 2023

Market performance in August reflected the underlying economy, including a slowdown in both business and consumer confidence.

Alternative Investments

For certain investors, looking beyond traditional asset classes can be beneficial in designing a diversified portfolio. Alternative investments have different characteristics than traditional asset classes and can add value when used correctly in the right circumstances. Jason Weszka discusses the use of alternative investments in this video.

Market Update: July 2023

It was a solid month and quarter for U.S. stocks. Economic signals were also positive, with strong job creation and improving confidence.

Pros and Cons of
Non-Qualified Deferred Compensation

Josh Weszka discusses pros and cons of non-qualified deferred compensation plans and how to navigate them for long-term success.

Market Update: June 2023

It was a solid month and quarter for U.S. stocks. Economic signals were also positive, with strong job creation and improving confidence.

Q2 Review:
They Got It Wrong (Again)

We’ve seen it over and over again. As the old saying goes, “the more things change, the more they stay the same.” Wall Street “experts” love to make short-term market predictions, and they love to recite them confidently in whatever press they can get. There’s just one problem: They’re not very good at it.

Portfolio Distribution Strategies

For most investors, there comes a time when recurring, regular withdrawals are needed. Putting a plan together to accommodate these withdrawal needs is what we refer to as a portfolio distribution strategy. Jordan Hucht discusses what it takes to design an optimal portfolio distribution strategy.

Market Update: May 2023

Markets pulled back in May; the Nasdaq rose, other U.S. markets were flat or down, and international markets declined.

A Guide to Portfolio Construction

Personalized financial plans are essential to guide investment strategy and the risk associated with those strategies. Jason Weszka discusses the benefits of Portfolio Construction Management and the factors that weigh into portfolio design in this latest video.

Market Update: April 2023

Market Update April 2023 was a largely positive month for markets despite uncertainty. Risks for investors remain and should be monitored, but over the long run, the outlook remains positive, with potential for short-term setbacks.

Charles Bubeck Earns CPFA® Designation

We are pleased to announce Vision’s Charles Bubeck has earned the Certified Plan Fiduciary Advisor (CPFA®) designation.

Company Sponsored Retirement Plan: Roles & Responsibilities

Implementing a company sponsored retirement plan requires a team of professionals, and it’s not a one-size-fits-all solution. Tune in as Josh Weszka breaks down the roles and responsibilities of the key players for employer-sponsored retirement plans.

Market Update: March 2023

A solid March saw markets rebound. Risks are worth monitoring, but the outlook is still promising.

Q1 Review: Walking On Eggshells

Though the first quarter of 2023 was a strong one for investors with stocks and bonds both posting positive return, recession risks may have risen. However, bonds are providing investors the highest yields in years and relative stability of principal – exactly what they’re intended to do in a diversified portfolio.

Jason Weszka Named Five Star Award Winner in 2023

Vision Partner & Advisor Jason Weszka has been named a Five Star Wealth Manager award winner in February 2023. Jason is recognized for his exceptional commitment to clients and strong industry credentials.

Lauren DiBernardo Joins Vision As Client Services Manager

Vision Wealth Partners is proud to welcome Lauren DiBernardo as the newest member of its team. In her role as Client Services Manager, Lauren will manage the firm’s daily operations with an emphasis on a seamless client experience.

Market Update: February 2023

February’s declines coincided with weakening fundamentals, but on the whole, the economy and markets ended February in a relatively good place.

A Guide to Secure Act 2.0

Charles Bubeck presents the key provisions in Secure Act 2.0, part of the Consolidated Appropriations Act — including what is not included in the bill.

Market Update: January 2023

After showing declines in 2022, markets rallied in all three major industries. While risks remain it is a positive start to the year for investors.

Jordan
Hucht Delivers Keynote at MDFBLA Conference

Jordan Hucht, Partner at Vision Wealth Partners, and Glenelg High School alumnus, served as the Keynote speaker at the Maryland FBLA Region 5 Leadership Conference on Saturday, January 21, 2023.

Jordan Hucht Appointed Advisory Board Member for the Academy of Finance

Jordan Hucht CFP®, ChFC®, AIF®, has been appointed as an Advisory Board Member for the Academy of Finance in the Howard County Public School System.

A Guide to Corporate Retirement Plan Design

Josh Weszka discusses two common structures for corporate retirement plan design — Defined Contribution and Defined Benefit — and presents six key features to consider.

Market Update: December 2022

December started off rocky, but ultimately, we enter 2023 with a relatively positive backdrop. While risks remain, economic fundamentals are solid, and market valuations are generally more attractive now than they were at the start of 2022.

Q4 Review:
Is the Story
Changing or Just Getting Longer?

Only time will tell the true story of 2023. The short term is murky at best, so the aim should be to have a financial and investing plan that can lead you to your long-term goals regardless of what 2023 brings.

Kathy Marr Retires After 27 Years of Service

The Vision Wealth Partners team wishes Kathy Marr all the best as she retires at the end of this year. Thank you, Kathy, for your many years of service to our Vision team and clients.

Market Update: November 2022

November saw continued market gains, as all three major U.S. indices rose for the second consecutive month. These positive results were also supported by solid fundamentals, but the Fed remains vigilant as inflation slows.

2022 Maryland Innovation Center (MIC) Holiday Party

Vision Wealth Partners Annual Food Drive in Partnership With Maryland Food Bank

Share On Share on…

Tax Loss Harvesting

Tax-loss harvesting allows you to sell investments that are down, replace them with reasonably similar investments, and then offset realized investment gains with those losses. The end result is that less of your money goes to taxes and more may stay invested and working for you.

Bourbon Classic Clay Shooting Tournament

Market Update: October 2022

At the start of earnings season, the growth rate was expected to be 2.6 percent. Over the long run, fundamentals drive market performance, so better-than-expected earnings growth was an encouraging signal, even though its pace has slowed this year. 

2022 Pediatric Food Allergy Golf Classic to benefit Johns Hopkins Children’s Center

On May 3rd, Vision Wealth Partners proudly co-sponsored and golfed in the Pediatric Food Allergy Golf Classic to…

Market Update: September 2022

Third-quarter market turbulence was primarily driven by rising interest rates, caused by increased investor expectations for higher short-term rates. The Fed hiked the federal funds rate a combined 150 basis points (bps) at its July and September meetings to slow economic growth and combat inflation, and more rate hikes are expected at the upcoming November and December meetings.

4th Annual Our Kids Our Future Golf Tournament

Q3 Review: Searching for Direction

After a quarter full of headlines and big market swings, we’re basically back to where we were, searching for direction as the market tries to predict the outcomes of the Fed’s tightening cycle.

The Impact of Behavioral Finance

What is behavioral finance and what impact can it have on your financial decision making? Join Jordan Hucht to learn more about how emotion plays into investing and what pitfalls you should be aware of.

Market Update: August 2022

July brought a strong start to the second half of the year for markets, with all three major U.S. indices experiencing gains. Although all three are still in red for the year, these results helped to offset some second quarter losses. Fundamentals showed signs of positive progress during the month as well.

Vision Scholarship Fund Helps HCPSS College Students Thrive

The Vision Financial Group Scholarship Fund for HCPSS graduating seniors eases the financial burden of college tuition so students can engage fully in their college community and studies. The Scholarship is funded in part by the annual Our Kids Our Future Charity Golf Tournament and its generous sponsors.

Market Update: July 2022

July brought a strong start to the second half of the year for markets, with all three major U.S. indices experiencing gains. Although all three are still in red for the year, these results helped to offset some second quarter losses. Fundamentals showed signs of positive progress during the month as well.

Building A Value Business or A Lifestyle Company

Determining which type of company you have, value business or lifestyle, is an important topic for a variety of reasons. Join Josh Weszka to learn more about the differences between two and their implications.

Market Update: June 2022

Equity markets experienced widespread selloffs in June as fears of a potential recession and continued high inflation weighed heavily on investors. This capped off a challenging second quarter for markets, as all three major U.S. indices ended the month and quarter down.

Q2 Review: Understanding The Bear

Forgive me in advance, as this newsletter will be a bit longer and more technical than usual. My intent is to help you understand the current bear market, the factors that led us here, and what will likely determine what happens next.

ID4 2022 Mini Golf Tournament for PTSD Treatment

Market Update: May 2022

Markets showed mixed results in May, but positive economic growth continues. While fundamental factors were supportive during the month, technical factors were not. Fundamentals drive long-term market performance, so continued earnings growth is a good sign for long-term performance.

Philanthropic Strategies: Donor Advised Funds

Donor advised funds are one of the most often overlooked philanthropic strategies for corporations or private individuals. Jason Weszka provides insights on the benefits of using donor advised funds to organize and plan philanthropic giving.

Market Update: April 2022

It was a rocky start to the spring for markets. With less focus on medical risks and more focus on the challenges associated with returning to normal economic conditions, the most notable challenge we’re currently facing is the high level of inflation throughout the economy. Very real risks remain, but the most likely path forward for the U.S. economy remains continued growth.

Vision Co-Sponsors the Pediatric Food Allergy Golf Classic

Vision Wealth Partners, a financial planning and wealth advisory firm located in the heart of Howard County, is spending the upcoming weekend at the Pediatric Food Allergy Golf Classic to benefit the Johns Hopkins Children’s Center.

Vision Co-Sponsors the 2022 OhanaHC Annual 5k Race/Walk

Vision Wealth Partners is proud to co-sponsor the OhanaHC Annual 5k Race/Walk presented by M&T Bank on May 1. Created to unite community members of Howard County, attendees can expect a morning spent eating great food, playing games, and running or walking in rain or shine. 

Market Update: March 2022

Equity markets partially bounced back in March, driven by a strong run in the second half of the month. While negative headlines and shifting risks may lead to further short-term turbulence for markets, strong fundamentals and continued economic recovery should help support markets over the long term.

Q1 Review: An Inflection Point

After high market volatility in the first quarter of 2022, the year's second stanza still leaves many questions unanswered in a song still being written.

A Guide to Weathering Market Volatility

“Bouts of volatility can be unsettling, and can leave you feeling concerned about your financial future.” Jordan Hucht talks about what you should think about, what you should focus on, and what you should do during bouts of market volatility.

Market Update: February 2022

Despite volatility, the February Market Update observes the average earnings growth rate is up notably, showing better-than-expected results in earning—an encouraging sign.

Impact Of War In Ukraine

It’s important to stay disciplined and keep a long-term perspective. Sound financial planning includes preparing for times like these.

Market Update: January 2022

Our January Market Update shows equity markets had a rough start to the year, but fundamentals showed signs of improvement during the month.

Vision Co-Sponsors The Maryland Innovation Center’s Holiday Party

Vision Wealth Partners proudly co-sponsored the Maryland Innovation Center’s (MIC) 2021 holiday party to build integral connections between companies and their potential customers to amplify business goals.

New Year, New Market?

The start to 2022 has been ugly for markets and is proving that this year’s playbook will look different than last year’s. Is this all bad news? Not necessarily.

2021 Maryland Innovation Center (MIC) Holiday Party

Vision Wealth Partners co-sponsored the 2021 Maryland Innovation Center’s Holiday Party, welcoming Howard County professionals in the tech…

Allow Us To Reintroduce Ourselves

Reintroducing Vision Financial Group as Vision Wealth Partners, a name and rebrand that better represents our approach and dedication to our client relationships.

3rd Annual Our Kids Our Future Golf Tournament

We’re glad to be back on the course again for the third annual Our Kids Our Future Charity…

VFG’s Jordan Hucht Named to Board of Suited for Change

Vision Financial Group is proud to announce that Partner and Financial Advisor Jordan Hucht, CFP®, ChFC®, AIF®, was nominated for and has recently joined the Board of Directions of Suited for Change, a Washington, DC-based non-profit organization.

2020: The Final Chapter

As we brace for the final chapter of 2020, likely to be filled with covid spikes and political theatrics, let’s pause and consider where we are, what’s likely to come, and what to do.

Where Do We Go From Here?

As the public health crisis and our corresponding response continues to evolve, we’re finding ourselves staring down the tunnel of weeks, if not months, of continued uncertainty.

Questions on Your Mind

We’re in the midst of an unprecedented public health crisis that will have a sure, yet undefinable, economic impact. And there are probably several questions front and center on your mind.

Remembering Asset Allocation and Time Horizon

In times like these, it’s important to remember two of the most fundamental components of investment management – asset allocation and time horizon.

Inaugural Our Kids Our Future Golf Tournament

Vision Financial Group kicked off the inaugural Our Kids Our Future Charity Golf Tournament to fund the Vision…

2019 Sunset Sailboat Cruise

Vision Wealth Partners | 2019 Client Appreciation Prohibition Party

Vision Office Ribbon Cutting

Vision Wealth Partners | 2016 Client Appreciation Event

2018 Sunset Sailboat Cruise

2017 Sunset Sailboat Cruise

Vision Wealth Partners 2015 Client Appreciation Event