• financial freedom financial advisory asset management houston texas krueger catalano
know and believe cpa krueger catalano houston texas

We do not know what will happen next. We never know. That is why we build detailed income plans first -- before putting one penny at risk for growth.

tax free municipal bonds cpa firm krueger catalano

The city of New York needed to build a canal in 1812. It borrowed enough money for construction and guaranteed the return of investors’ original principal with the full backing of the city’s taxing authority. That is how the General Obligation Municipal Bond was born.

make it las puzzle piece

A Health Savings Account (HSA) is the most underrated little planning tool with big upside. The first, second, and third reasons are that an HSA is the only triple-tax-free account in the investing world.

mutual fund investing interest financial planning krueger catalano houston texas

Imagine if you knew ahead of time how your favorite mutual funds in the stock market were going to do.

Let’s say you are retiring within the next few years and you could subtract all doubt, news, and politics. You know for a fact that you will average more than 8 percent per year.

This is not a Back to the Future trick question, Biff, you actually hold the final score for each year for all mutual funds.

Here are three of the scores:

(+86%, -39%, and -21%) / 3 years = +8.7% per year.

There is only one problem with widely promoted “average rates of return.” They do not happen in the real life of your money. The math is very misleading.

Comparatively, think back to real periods of time that some of us lived through when real math was used (i.e. the Nasdaq Composite of 1999-2001), because that time will happen again.


The above discussion is provided for illustrative purposes only. No inference should be drawn regarding any client’s experience with the firm, whether any client approves of or endorses the firm, or any results that the firm has achieved or can achieve for any client.

How much is enough?