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December 1, 2021
Retirement Planning
Ara Abrahamian, CRPC®
How to Reduce RMD Taxes with a Qualified ...

A qualified charitable distribution (QCD) can help reduce your RMD tax burden and keep you in a lower tax bracket.

Ara Abrahamian, CRPC®
January 30, 2023
Market Commentary

Market Commentary: The January Barometer

Ara Abrahamian, CRPC®
January 30, 2023
Market Commentary

January 2023 may be the best January in history for several equity and bond asset classes. What does this mean for the rest of 2023? We take a look.

Tagged: January Barometer, S&P 500

Karly Holland, CFP®, CTS™
January 17, 2023
Financial Planning

2023 Energy Tax Credits: Maximize Savings on Energy-Efficient Upgrades

Karly Holland, CFP®, CTS™
January 17, 2023
Financial Planning

Here are tax credits and rebates you can take for buying electric vehicles or making energy-efficient improvements to your home.

Tagged: Residential Clean Energy Credit, Energy-Efficient Home Improvement Credit, Energy Tax Credits, Electric Vehicle

Ara Abrahamian, CRPC®
January 3, 2023
Market Commentary

Market Commentary: Better Times Ahead? A 2023 Outlook

Ara Abrahamian, CRPC®
January 3, 2023
Market Commentary

2022 went down as the most volatile year in history. What does this mean for 2023? We take a look.

Tagged: Volatility, S&P 500, 2022, 2023, Recession, Market Performance

Joshua Stromberg, CFP®
December 14, 2022
Estate Planning

Estate Planning Strategies for Your Aging Parents

Joshua Stromberg, CFP®
December 14, 2022
Estate Planning

We encourage you to start the conversation with your parents about estate planning now to ensure the proper documents are in place.

Tagged: Aging Parents, Will, Trust, Beneficiary

Ara Abrahamian, CRPC®
November 30, 2022
Market Commentary

Market Commentary: Slow and Steady Wins the Race … AGAIN?

Ara Abrahamian, CRPC®
November 30, 2022
Market Commentary

This year has taught investors many lessons, but the biggest one should be the importance of risk management.

Tagged: Inflation, Market Volatility, Tech Stocks, Bonds, Speculation, Cryptocurrency

Karly Holland, CFP®, CTS™
November 14, 2022
Financial Planning

Gift Tax Limit: How to Gift More Than $16,000 in a Year

Karly Holland, CFP®, CTS™
November 14, 2022
Financial Planning

You can give money to your loved ones without paying gift tax. This article covers how.

Tagged: Gift Tax, Gift Tax Exclusion, Lifetime Exclusion Amount

Ara Abrahamian, CRPC®
October 26, 2022
Market Commentary

Market Commentary: Bear Market Rally or Bottom?

Ara Abrahamian, CRPC®
October 26, 2022
Market Commentary

We consider whether markets have hit bottom or experienced another bear market rally.

Tagged: Bear Market, Market Rally, Market Bottom, S&P 500, Inflation, Interest Rates, Federal Reserve

Ara Abrahamian, CRPC®
October 24, 2022
Investment Management

The TSP’s New Mutual Fund Window: What You Need to Know

Ara Abrahamian, CRPC®
October 24, 2022
Investment Management

Thrift Savings Plan participants now have more investment options with the mutual fund window. Here is what you need to know about fees and other features.

Tagged: TSP, Thrift Savings Plan, Mutual Fund Window, IRA

Ara Abrahamian, CRPC®
October 17, 2022
Financial Planning

Should You Make a Bigger Down Payment in This High Mortgage Rate Environment?

Ara Abrahamian, CRPC®
October 17, 2022
Financial Planning

With interest rates climbing, mortgages are getting more expensive. A larger down payment could keep payments manageable—but is it right for you?

Tagged: First-Time Homebuyer, Mortgage, Interest Rate, Down Payment

Ara Abrahamian, CRPC®
September 26, 2022
Market Commentary

Market Commentary: No End in Sight?

Ara Abrahamian, CRPC®
September 26, 2022
Market Commentary

With the CPI rising more than expected and the Federal Reserve raising interest rates, we look at what this means for market volatility.

Tagged: Inflation, CPI, Interest Rates, Federal Reserve, Volatility

Karly Holland, CFP®, CTS™
September 14, 2022
Tax Planning

Taxable Events That Require You to Make Quarterly Tax Payments

Karly Holland, CFP®, CTS™
September 14, 2022
Tax Planning

Paying taxes is something no one likes doing, but it is a necessity in life, and there are certain people and certain situations where making quarterly tax payments is a must.

Tagged: S&P 500, Quarterly Tax Payments, Tax Penalties

Ara Abrahamian, CRPC®
September 2, 2022
Financial Planning

Should You Lease or Buy a Car?

Ara Abrahamian, CRPC®
September 2, 2022
Financial Planning

Here are the pros and cons of leasing vs. buying a car to help you decide.

Tagged: Car Buying, Car Leasing

Ara Abrahamian, CRPC®
August 31, 2022
Market Commentary

Market Commentary: Will the Real International Please Stand Up?

Ara Abrahamian, CRPC®
August 31, 2022
Market Commentary

The S&P 500 has dominated its counterparts for a while now, but ignoring history could be a mistake.

Tagged: S&P 500, Outperformance, Emerging Markets, Developed Foreign Markets, Federal Reserve, Big Tech

Divergent Planning, LLC
August 3, 2022

Divergent Planning Lead Advisor Karly Holland Awarded Nationally Recognized Tax Designation

Divergent Planning, LLC
August 3, 2022

The Institute of Business & Finance has awarded Karly Holland, CFP®, Lead Advisor at Divergent Planning in Bethesda, the Certified Tax Specialist™ designation.

Ara Abrahamian, CRPC®
August 1, 2022
Market Commentary

Market Commentary: Resilient Consumer

Ara Abrahamian, CRPC®
August 1, 2022
Market Commentary

Even though we may in a recession, the average U.S. consumer is still in good shape.

Tagged: CPI, Consumer Price Index, Consumer, Inflation, Recession, Debt

Ara Abrahamian, CRPC®
July 15, 2022
Retirement Planning

The True Cost of Medicare

Ara Abrahamian, CRPC®
July 15, 2022
Retirement Planning

Before you enroll in Medicare, get a handle on what you need. This article can help you understand the different Medicare parts and costs.

Tagged: Medicare Costs, Part A, Part B, Original Medicare, Medicare Advantage, Part C, Part D

Ara Abrahamian, CRPC®
July 5, 2022
Market Commentary

Market Commentary: Is the 60/40 Dead?

Ara Abrahamian, CRPC®
July 5, 2022
Market Commentary

Some analysts have been claiming for years that the 60/40 investment portfolio is dead. Read this article to find out why that isn’t true.

Tagged: Investing, Investment Portfolio, 60/40. Stocks, Bonds, Rebalancing, Allocation, Volatility

Ara Abrahamian, CRPC®
June 27, 2022
Investment Management

I Bonds: Are They Worth It?

Ara Abrahamian, CRPC®
June 27, 2022
Investment Management

The federal government created I bonds so investors could hedge against inflation. Read this article to learn about their pros and cons.

Tagged: Inflation, Interest Rates, Bonds, I Bonds

Ara Abrahamian, CRPC®
May 31, 2022
Market Commentary

Market Commentary: Market Bottom?

Ara Abrahamian, CRPC®
May 31, 2022
Market Commentary

We look at indicators to assess whether a market bottom is near.

Tagged: Volatility, Market Bottom, VIX, Risk Premium, Investor Sentiment, Put Call Ratio

Ara Abrahamian, CRPC®
May 2, 2022
Market Commentary

Market Commentary: Housing Starting to Cool?

Ara Abrahamian, CRPC®
May 2, 2022
Market Commentary

Volatility has been the theme of 2022 except for the housing market. We consider whether that’s changing given the rise in interest rates.

Tagged: Interest Rates, Housing

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Divergent Planning, 6701 Democracy Boulevard, Suite 300, Bethesda, MD, 20817, United States240-428-8911

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Divergent Planning, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Divergent Planning, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Divergent Planning, LLC unless a client service agreement is in place.

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