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How to Reduce Taxes? Let's Learn More About the U.S. Tax System ! (Feb. 2013)

Are you curious to know how the recent tax changes will affect you? 

The last time the top individual marginal tax bracket increased was 1993. The maximum marginal tax rate of 31% in 1992 was raised to 39.6% in 1993.

The U.S. has not run a budget surplus since 2001. Federal debt is more than 100% of GDP, the highest in over 60 years. When the present value of social security and healthcare liabilities is taken into account, the debt-to-GDP ratio may climb to more than 300%.

 Find out how additional tax increases could impact your lifelong investments and portfolios at


Let's Diversify our Portfolio! (Oct. 2012)

Our goal is to help our clients understand why a portion of their portfolios is invested in international financial markets (20% to 50% of the equities may be allocated in Europe, Asia, and Emerging Markets). Not only do Emerging Markets have much lower debt levels and a younger population, international stocks also seem to be currently cheaper than U.S. stocks.


See why at


Investisseurs irrationnels : la peur de perdre (Oct. 2012)

Warren Buffet a souvent expliqué qu’il suivait deux règles de base en tant qu’investisseur professionnel. Règle numéro un: "Ne pas perdre d'argent", règle numéro deux : "Suivre la règle numéro un". Si ce principe de base a permis à l’"Oracle d'Omaha" de connaître de grands succès, cette idée nous donne l'occasion de parler d'une des distorsions cognitives les plus courantes parmi les investisseurs: la loss aversion, c'est à dire la peur de perdre. 

See more at:


Ex-Credit Suisse Client, 83, Admits to Hiding $5.7 Million (Aug. 2012)

An 83-year-old Massachusetts man who held Swiss bank accounts at Credit Suisse Group AG and Wegelin & Co. pleaded guilty to hiding $5.7 million from U.S. tax authorities. He will pay civil penalties of $2.84 million and restitution of $419,940. Under advisory guidelines, he faces 30 months to 37 months in prison at sentencing on Dec. 20.


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Let's Go Global! (Jul. 2012)

The European crisis created lots of volatility, uncertainty, fear... but also opportunities. Furthermore, the Merkozy alliance is over and Europe may focus more on growth.

See more affects of globalization at


Are we at the Bottom of Real Estate Prices? Discover a Bullish View! (Mar. 2012)

The Real Estate crisis has been one of the trigger elements of the 2008 financial crisis. Prices have already fallen by 50% in some U.S. cities. The depth and duration of this bear market is one of the worst ever. It is comparable with the bursting of the Japanese real estate bubble in the late 1980s.

Discover the charts and a bullish view of the housing market at


Best of BFM Newsletter (Jan. 2012)

Did you know that your vision can literally “trick” you whenever it can? That human attention is limited and that we can’t analyze all the information we receive? Find these and dozens of more tips in the attached.

As we begin a new cycle, the media may be pessimistic but we know that many people are optimistic about 2012 (U.S. Markets up close to 100% since March 2009; up 8 of the last 9 calendar years…). While optimism is certainly in the air, it’s also more important than ever to keep a level head about your investments.

See the Best of BFM Newsletters at


Be Aware of your Emotions Step Away from Yourself (Nov. 2011)

Be aware of your own emotions and cognitive traps to make smarter decisions.

Step away from yourselves to be more rational.

Remember that we unconsciously make decisions based on positive memories.

Learn about financial history to reduce the number of mistakes. Click here


How to Pick Better Mutual Funds? (Oct. 2011)

If you have the time, desire, experience and knowledge of building your own investment and retirement portfolios, this newsletter is for you!

At BFM, we are very analytical and we believe that asset allocation is more important than stocks or mutual fund selection…but many of you have asked us to share our disciplined due diligence process to selecting investment managers and mutual funds.

See my suggestions at

2011 Offshore Voluntary Disclosure Initiative Frequently Asked Questions and Answers (Sep. 2011)

Why did the IRS announce a new special offshore voluntary disclosure initiative at this time?

The IRS’s prior Offshore Voluntary Disclosure Program (2009 OVDP), which closed on October 15, 2009, demonstrated the value of a uniform penalty structure for taxpayers who came forward voluntarily and reported their previously undisclosed foreign accounts and assets. Not only did the initiative offer consistency and predictability to taxpayers in determining the amount of tax and penalties they faced, it also enabled the IRS to centralize the civil processing of offshore voluntary disclosures. Therefore, it was determined that a similar initiative should be available to the large number of taxpayers with offshore accounts and assets who applied to IRS Criminal Investigation’s traditional voluntary disclosure practice since the October 15 deadline. This new initiative, the 2011 Offshore Voluntary Disclosure Initiative (2011 OVDI) will be available to those taxpayers and other similarly situated taxpayers who come forward and complete all requirements on or before September 9, 2011.

See more Q&A at!


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