Kodiak Capital Advisors

12/19/2025

As December winds down, your financial to-do list deserves as much attention as your holiday shopping. Year-end isn't just about celebrations—it's a critical deadline for tax-saving opportunities that vanish once the calendar flips to January. Acting now could mean keeping more money in your pocket, boosting your retirement savings, and avoiding unnecessary penalties.
Here are ten essential moves to consider before midnight on December 31.

Smart strategies to minimize your tax burden and maximize wealth heading into 2026 As December winds down, your financial to-do list deserves as much attention as your holiday shopping. Year-end isn't just about celebrations—it's a critical deadline for tax-saving opportunities that vanish once th...

10/15/2025

Today, I want to share the mathematical principles that govern wealth creation and demonstrate why time—not timing—is your most powerful investment tool.

Published by Jeffrey Mansell, Fund Manager at Kodiak Capital Advisors When I tell prospective clients that a decade of delayed investing can cost them millions of dollars, they often think I'm being dramatic. Then I show them the mathematics, and the conversation changes entirely. After eight years....

05/05/2025

Despite relatively solid growth in the first quarter, our economic landscape is showing concerning signals that merit attention. The current administration's policy choices—and their implementation approach—have compounded existing economic headwinds. While the extreme policy volatility has somewhat subsided, allowing businesses to cautiously resume operations, these additional pressures are likely to persist moving forward.

Despite relatively solid growth in the first quarter, our economic landscape is showing concerning signals that merit attention. The current administration's policy choices—and their implementation approach—have compounded existing economic headwinds. While the extreme policy volatility has some...

02/13/2025

As a financial advisor serving Downey, California and the surrounding Los Angeles County area, I've noticed a concerning trend: many local residents are waiting too long to start planning for retirement. With Southern California's high cost of living and unique economic challenges, early retirement planning is especially crucial for our community. Visit our office on Firestone Boulevard for a complimentary retirement planning consultation. We understand the specific financial challenges facing Downey families and can help create a personalized strategy for your future.

As a financial advisor serving Downey, California and the surrounding Los Angeles County area, I've noticed a concerning trend: many local residents are waiting too long to start planning for retirement. With Southern California's high cost of living and unique economic challenges, early retirement....

02/12/2025

Could these ten stocks represent great buying opportunities, or are they classic value traps? Let us know your thoughts or if you would like some help with your portfolio.

https://www.kodiakadvisor.com/p/7ccf8521-6aff-4a01-844a-d58eae6fe3e4/

02/12/2025

Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k).
For 2023, the Roth 401(k) contribution limit was $22,500. For 2024, the max is $23,000.
For 2025, the Roth 401(k) contribution limit is $23,500.
If you are 50 or older, you can save $7,500 more in your Roth 401(k) as a "catch-up contribution" for 2023, 2024, and 2025.
If you are age 60 to 63, the "catch-up contribution" expands to $11,250 in 2025 in lieu of the standard $7,500, only if your plan allows. Let us know if we can help with your Roth or other investing needs.

Learn the max you can save in your Roth 401(k). Roth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you

01/24/2025

The fourth quarter reporting period is the reporting period that feels like it never ends. That is because year-end accounting is enmeshed with the quarterly reports. Things have already gotten rolling last week when the big banks reported their results, but we won't be putting a lid on this particular reporting period until early March.

01/15/2025

A new year means new opportunities to increase your financial security. It’s a perfect time to wipe the slate clean, set goals, and make plans to reach them.
For many people, that means saving more money. About 2/3 of Americans said they’re considering making a financial resolution for the year ahead. The top financial resolution, by a relatively slim margin, was saving more money in 2025. Paying off debt and spending less money also ranked high in a recent survey.
One of the best ways to boost your savings is by paying yourself first. It may not take a lot; increasing your savings rate (the amount you save annually expressed as a percentage of income) by just 1% can significantly boost your savings over time.
Here are 5 ways to help do that.

Get tips to help optimize your money in the new year. A new year means new opportunities to increase your financial security. It’s a perfect time to wipe the slate clean, set goals, and make plans to reach them. For many people, that means saving more money. About 2/

01/10/2025

A new calendar year can be a great opportunity to reflect on your financial progress in the previous year and review and potentially revise your financial goals for the coming year. That’s true for everyone, and it can be particularly important if you’re approaching retirement. The good news: No matter your age, there’s plenty you can still do to fine-tune your financial plan, either on your own or with help from a financial professional.

A new calendar year can be a great opportunity to reflect on your financial progress in the previous year and review and potentially revise your financial goals for the coming year. That’s true for everyone, and it can be particularly important if you’re approaching retirement. The good news:

11/20/2024

Entrepreneurs we sit down with are usually worried about a few specific issues. Mostly related to being over leveraged to their operating company. Talk to us about adding some balance to your life.

According to a recent study by the Small Business Administration, 67% of business owners who reached their business goals still fell short of their personal financial objectives. Let's explore why this happens and how to prevent it. Recently I met with Sarah, a successful tech startup founder. While...

11/14/2024

An October market update:
-Broad market performance: The S&P 500 TR Index declined by 0.91%, while the Vanguard Total World Stock Index ETF fell by 2.18%, indicating a general market downturn. International markets, represented by the iShares MSCI EAFE Index, experienced a more significant drop of 5.27%.
-Context on recent developments and their impact on the portfolio: The ongoing AI revolution continues to drive growth in the technology sector, particularly benefiting companies like NVIDIA (1). However, concerns about rising interest rates and inflation are impacting consumer behavior and certain market segments.

For a more in depth look you can read our blog post below. If you have any questions about recent market impacts in your own portfolio feel free to contact us.

Author: Jeffrey Mansell Report Coverage: Previous month Published: Nov 12, 2024 Portfolio Summary The portfolio returned -1.45% in October 2024. Equities constitute 65.76% of assets, with a significant cash position of 25.32%. The technology sector represents 30.65% of the portfolio, while North Ame...

05/03/2024

One of the main strategic decisions that investors have to make today is whether to focus on Passive or Active investing. What do those terms mean and what are the positive and negatives of each? If you have any questions or would like more information let us know!

Key points:
Passive investing involves tracking a benchmark or index, such as the S&P 500, with minimal intervention and lower fees.
Active investing involves a more hands-on approach, with a portfolio manager making decisions on what to buy and sell, with the goal of beating the market.
Active investing typically has higher fees and requires more expertise and time commitment.
Passive investing is often preferred by those who want a long-term, low-maintenance investment approach, while active investing is suited for those who want more control and are willing to take on more risk.
Return expectations, risk tolerance, and investment goals are important factors to consider when deciding between active and passive investing.
Examples:
Passive investing: ETFs tracking the S&P 500 or NASDAQ Composite, bond funds tracking T-bills or longer-term bonds.
Active investing: Hedge funds, financial advisors, or individual investors making concentrated bets on specific companies.
Key considerations:
Fees: Passive investing typically has lower fees, while active investing has higher fees due to the expertise and time required.
Performance: Passive investing has historically performed well, but active investing can offer stronger returns with higher risk.
Investment goals: Consider your expected return, risk tolerance, and investment goals when deciding between active and passive investing.