Elijah Finn 
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Highest Standard in Financial Advice When seeking professional financial help, the most crucial question you can ask is: “Are you a fiduciary?” A Fiduciary Financial Advisor is legally and ethically bound to put your best financial interests ahead of their … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Customizing Your Policy Beyond the Death Benefit While the core purpose of a life insurance policy is to provide a tax-free death benefit to your beneficiaries, modern policies are highly customizable through riders. A rider is simply an add-on or amendment … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The True Currency of Premium Credit Cards The American Express Membership Rewards (MR) program is not a simple cash back scheme; it is a flexible points currency designed for strategic investors who understand arbitrage. Unlike cash back (which is fixed at … Read more
Turning Market Volatility into Tax Savings In long-term investing, market downturns are inevitable. A disciplined investor knows that these temporary losses are not just setbacks; they are strategic tax opportunities. Tax-Loss Harvesting (TLH) is a proactive, legal strategy used to offset investment gains by realizing (selling) investments that have declined in value. By using these … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Difference Between a Wish and a Plan In the world of finance, vague intentions yield vague results. Wishing to “save more” or “retire comfortably” is not a strategy; it is a hope. The difference between a high-net-worth individual and someone … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The Inevitable Cost of Investment Success If you invest outside of tax-advantaged accounts (like 401(k)s or IRAs), success comes with a compulsory partner: Capital Gains Tax. This is the tax levied by the IRS on the profit realized from the sale … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: Moving Beyond Guesswork to Data-Driven Coverage One of the most common mistakes in personal finance is guessing the amount of life insurance needed. Underinsuring your life leaves dependents vulnerable; overinsuring wastes precious capital that could be invested for higher returns. … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: The Dual Power of 0% APR and Cash Back In financial planning, efficiency is paramount. A credit card that offers both high cash back rewards and a 0% Introductory APR period is a powerful tool for two distinct groups of … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: Bypassing the Roth Income Ceiling Legally The Roth IRA offers the ultimate financial advantage: tax-free growth and tax-free withdrawals in retirement. However, high-income earners in the U.S. are generally barred from contributing directly due to strict Modified Adjusted Gross Income … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: The Enduring Legacy of the 4% Rule The 4% Rule is the most widely cited guideline in retirement planning. Born from the Trinity Study of 1998, it suggests that a retiree can safely withdraw 4% of their initial portfolio value, … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: Maximizing Tax-Advantaged Savings as a Business Owner As a self-employed individual or small business owner with no full-time employees (other than a spouse), you gain a powerful financial advantage: the ability to act as both the employee and the employer … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: The Rise of the Automated Portfolio For new investors, especially those in their 20s and early 30s, the world of asset allocation can seem overwhelming. Robo-advisors solve this problem by providing automated, low-cost portfolio management that utilizes proven strategies like … Read more