All Posts By

James Bradley

PFA Ponderings
March 6, 2020

What drives stock prices?

I was on a finance committee meeting the other day with a non-profit board I sit on, when one of the other committee members looked at the investment portfolio and declared:  “Why are they invested 25% in international stocks?”  My retort was: “Is there a reason they shouldn’t be?”   His…
PFA Ponderings
February 14, 2020

What ‘Fee-Only’ Means

You’ve hired a professional to provide services for you.  Hopefully, you have some idea of what these services will cost.  Most contractors, it’s said, will finish their work in twice the time and at twice the cost that’s quoted.  But, hey, if you factor that in at the start, you…
PFA Ponderings
February 7, 2020

The Mysterious TIAA Traditional Annuity

Any firm that works as extensively with a higher education clientele as we do needs to become familiar with one of the most interesting life insurance and annuity companies out there, the Teachers Insurance and Annuity Association, or TIAA. THE HISTORY TIAA traces its roots back to 1918, when Andrew…
PFA Ponderings
January 20, 2020

Using form 990 to Research and Assess Charities

When you’re considering giving money to a charitable organization, especially if the gift is significant, it’s vital to know that the money is going to a worthy place.  You want to be absolutely clear on the organization’s mission, and you’ll want to be comfortable that your hard-earned money will be…
PFA Ponderings
January 10, 2020

What to do with that stack of savings bonds

If you’re like me, you’ve accumulated a tidy stack of those cool-looking Series EE bonds over time.  Mine came from occasional gifts from my grandparents, and payroll deduction programs from my first couple jobs.  And, if you’re like me, those bonds are long-gone, used to purchase a 1978 Chrysler Cordoba…
PFA Ponderings
January 3, 2020

New Year – And some New Tax Rules

Happy 2020!  All of us here at PFA pass along our best wishes for you in the coming decade.  May the 20’s really be ‘roaring’ (and may they not end like the 1920s did!)  Right off the bat, we’ve got an interesting new set of tax rules to learn.  In…