How should I interpret the information on my 1099-DIV?

2016-06-30T15:18:07-07:00June 22nd, 2016|

Your 1099-DIV is a record of all dividends and distributions earned in your Cambria Investments account during 2015. It includes taxable dividends and distributions as well as exempt-interest dividends paid by municipal bond ETFs. There are multiple boxes on your 1099-DIV, each of which reports a different piece of information which must be included in [...]

How long does it take to transfer money?

2016-06-30T15:18:19-07:00June 22nd, 2016|

Electronic deposits from your bank to Cambria Investments typically invest the following business day for deposits made before 11PM EST. This includes requests made on Saturday and Sunday. The only exception is auto-deposits that fall on weekends. If your auto-deposit falls on the weekend, it will invest on Tuesday (assuming that Monday is not a [...]

How much can I contribute to an IRA?

2016-06-30T15:18:28-07:00June 22nd, 2016|

The annual limits for 2015 IRA contributions are $5,500 for individuals under 50 years old, and $6,500 for those who are 50 and over. These contribution limits remain the same for 2016.  The limit is assessed across all of your accounts, so if you have reached the limit with one provider you are not allowed [...]

What is tax loss harvesting?

2016-06-30T15:18:37-07:00June 22nd, 2016|

Tax loss harvesting is selling a security that has experienced a loss—and then buying a similar asset to replace it. The switch does two things: it allows the investor to realize, or “harvest”, a valuable loss while keeping the portfolio balanced at the desired allocation. Capital losses can lower your tax bill by offsetting other [...]

How will Tax Loss Harvesting+ affect my tax returns?

2016-06-30T15:18:50-07:00June 22nd, 2016|

You will receive a 1099-B corresponding to any tax loss harvests that occur in your account during the year (as harvests involve a sale in order to realize a loss). This is in addition to non-TLH related investment sales generally (e.g. money withdrawals, allocation changes, or portfolio rebalances).

How do I turn on Tax Loss Harvesting?

2016-10-28T15:35:15-07:00June 22nd, 2016|

To turn on Tax Loss Harvesting+, first log in to your Cambria Investments account. On the Summary tab, click “Get Started” in the Tax Loss Harvesting+ part of the overview section. As part of the enablement process, you will answer a couple questions to ensure you are eligible. Once you have enabled TLH+, it can [...]

What are ETFs?

2016-06-30T15:19:06-07:00June 22nd, 2016|

An exchange-traded fund (ETF) is a security that tracks an index, a commodity or a basket of assets just like an index fund, but trades like a stock on an exchange. ETFs track fairly closely to the indexes that they follow, such as the S&P 500 or the Dow Jones Industrial Average. ETFs are bought [...]

What do I need to know about ETF versus mutual fund costs?

2016-06-30T15:19:14-07:00June 22nd, 2016|

When you are thinking about buying an ETF, the Expense Ratio is pretty much all you need to know. ETF managers make money by deducting the annual expenses from the dividends they pay out through the year, and they tell you in advance how much that will be. There are no costs to buy or [...]

RetireGuide™ Methodology

2016-07-29T11:56:27-07:00June 22nd, 2016|

Methodology Summary RetireGuide™, available to you from our friends at Betterment given our partnership with them, is a retirement planning tool that gives unbiased, holistic advice to help you stay on track and achieve your goals. We help you figure out how much you may spend in retirement (your after-tax income from all sources). We [...]

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