Posts by Nicholas Hoffman and Company

I’ve just returned from an enriching two-week journey to Japan alongside my son, and my mind is brimming with newfound perspectives gleaned from immersing ourselves in another culture and world. Our expedition began in Hiroshima, where we were profoundly moved by our visit to the Peace Memorial Park, bearing witness to the poignant reminders of…

Clear thinking is a necessary component of successful investing, but some fallacies can be difficult to detect. Here is a common example. A recent segment on CNBC titled “What Happens if $6T in Cash on the Sidelines Comes Into the Market?” discussed the potential implications of $6 trillion of cash “flowing into equities.” The speculative…

This past weekend, the eyes of most Americans (and many people across the world) were fixed on Las Vegas. The self-styled ‘Entertainment Capital of the World’ hosted what is arguably the largest single sporting event of the year: the Super Bowl. This version, number LVIII, saw the Kansas City Chiefs beat the San Francisco 49ers,…

The new year brings tax and retirement changes. Here is a summary of the most relevant and a look forward to the very important changes that are ‘on the books’ to take effect in 2026. 2024 Changes Income Tax Newly adjusted federal tax brackets and standard deduction amounts can be found here – https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024. 17…

1/29/2024 Snake oil was a thing. More specifically, “Stanley’s snake oil” was offered by the Rattlesnake King, Clark Stanley. I suspect Stanley’s customers knew the oil would not work but were sucked in by false hope, and the sales pitch. Of course, the sophisticated people of the present day would not be taken in by…

1/22/2024 This month, the SEC approved 11 new exchange-traded funds (ETFs) created to track the performance of the cryptocurrency Bitcoin. The approval process took over a decade. Cryptocurrency has long been known for its volatility and highly technical nature, which has limited its adoption by many institutional investors unable to bear the risks of self-custody.…

1/16/2024 In late 2017, when the Tax Cuts & Jobs Act became law, the use of the acronym “SALT” became common. Standing for State and Local Tax, the topic of SALT draws fierce reactions from residents of states with high income taxes. Prior to 2017, higher-income taxpayers in states with high state income tax rates…

1/8/2024 I am writing this weekly while walking on a mobile treadmill in our office. I have not been able to log many hours on the treadmill because it is in high demand. Some of my colleagues log 10,000 steps while working before the market even opens. As we start the new year and many…

1/2/2024 I witnessed many new beginnings in 2023 for some of the oldest members of Generation Z (those born between 1997 and 2012). These included college graduations, new jobs, and marriages. Some bought new houses, while others decided to move back into their parents’ homes to increase savings (nothing wrong with that!). These reflections turned…

12/26/2023 As the year draws to a close, there is a special magic in the air—a blend of twinkling lights, warm cocoa, and the joyous spirit of the year-end holidays. Amidst this enchantment, we find ourselves reflecting on the fulfilling journey we share with you: our clients, investors, and cherished friends. This is a time…