White Papers

Please feel welcome to view or download the following White Papers (*requires Adobe Acrobat Reader)

  • Has Passive Won?
    Learn where and how passive investing strategies should be used.
  • Things That Matter for Investors II
    Understand the four factors within an investor’s control that will lead to better portfolio results.
  • Thieves, Crooks and Idiots, OH MY!!
    Learn to separate the good advisors from the bad advisors and make sure your information is secure.
  • Three Things Executives Often Miss in Maximizing Their Stock Based Compensation
    Stock based compensation is an excellent tool in building personal wealth.
  • Forecasts and Other Follies
    Long-term financial planning.
  • The Return of “Pease”
    The history behind the limitation on itemized deductions (Pease) and how to plan for it now.
  • Tax and Financial Planning Benefit
    Learn about the benefits Top Executives can receive and how it benefits HR departments in an organization as well.
  • Demystifying the Alternative Minimum Tax
    A Guide to Common Triggers and Planning Strategies.
  • White Oaks Private Vault
    Learn All About Our Valuable Document Storage Tool.
  • White Oaks “Three Flavors”
    A Summary of Investing Models and their differences.
  • American Taxpayer Relief Act 2012
    An Overall Summary of the American Taxpayer Relief Act.
  • Portfolios for Interesting Times
    Generation 3 Portfolio design and measuring long-term strategy.
  • Creating the Winning Team
    Tools and tips for creating your ideal asset allocation strategy for your portfolio.
  • Payroll Tax on Investments
    2013 Brings Possible Payroll Tax on Investments as New Medicare Taxes Become Effective.
  • Not Just Dreaming But Achieving
    How to effectively implement a cash flow plan.
  • The GroupThink Dilemma
    How does GroupThink effect the investment markets and techniques to help keep it at bay.
  • Volatility: Friend or Foe?
    Volatility has both, an upside and a downside. How long will these issues persist? There are a number of strategies that can utilize volatility.
  • The Costs and Benefits of Purchasing a Second Home
    A vacation home can provide a welcome escape for you and your family, but it’s wise to examine the financial viability of the investment before you buy.
  • Cyber-Security: Everyone’s High Stakes War (provided by HUB International)
    Identity theft via cyber-security is an increasingly common issue that poses a threat for everyone. Learn how to help protect your assets, understand your risks and what to do when it happens to you.
  • How ’bout dem taxes?
    High state income taxes have long been considered part of the Minnesota way of life, along with ice fishing and Ole and Lena jokes, but as the Minnesota Legislature considers moving our state income tax to the highest in the nation, let’s make sure that the joke isn’t on us.
  • Costs of Financial Advisory Relationship
    Selecting a financial advisor is a lot like choosing a contractor. Cost is just one of the factors. Picking the lowest or the highest bidder won’t guarantee you the best value or service for your situation.
  • Hedge Funds In A Wealth Management Strategy
    This paper explores the nature and purpose of Hedge Funds/Alternative Investments within a wealth management strategy. Should wealth advisory services be cognizant of how these work in an overall plan and are they appropriate?
  • Tax Efficiency: The White Oaks Perspective
    In 2004, prior to the last Presidential election, I wrote a paper entitled “Pay Me Later or Pay Me Now” that dealt with whether or not it was prudent to defer taxes. The political climate has changed since then and much is being made now of “tax efficiency.” Here is an updated re-examination of the hypothesis that tax deferral is always desirable for investors.
  • The True Meaning Of Risk
    What is risk as it relates to a wealth managment strategy? Is it an academic, numerical measure or is it the risk of meeting or not meeting important wealth management objectives? This paper examines these questions.
  • Defer Taxes?
    Tax deferral programs have served investors well in the past, but future shifts in the political environment and potential tax rate increases may cause this to change.
  • Managing Concentrated Positions in Your Portfolio
    Concentrated positions bring the potential for increased volatility—massive windfalls or crushing losses. Here are some techniques for assessing and managing concentrated positions in your portfolio.
  • The AMT Horror
    The Alternative Minimum Tax (AMT) was originally designed to prevent extremely wealthy individuals from skirting their income taxes. Unfortunately, the AMT has grown into a tax trap that haunts millions of Americans each year. But with some understanding and foresight, it is possible to make the AMT work to your advantage.