The ONEFuture platform offers professionally managed portfolios — not individual mutual funds, stocks, or ETFs. A client completes a risk tolerance questionnaire and can select one of 11 different strategies, each designed to serve as the main investment portfolio for a client. They range from all-stock portfolios (U.S., global, or international) to all fixed-income portfolios, with several blended stock/bond portfolios in between.

To minimize stock-specific risk, the models are built with exchange-traded funds (ETFs) that together comprise thousands of individual securities.

Each model portfolio employs a disciplined process to manage risk, return, and volatility characteristics, including: Quantitative Analysis, Fundamental Analysis, Relative Value Analysis and Technical Analysis.

• If you are employed by or own a business that offers a 401k or other group retirement plan your ability to deduct IRA contributions will be determined by your income. If your AGI is less than $68,000 for single filer, or $129,000 for joint (2022, indexed for inflation) you are allowed to fully deduct the contribution. Amounts above this will be phased out over the next $10,000- $20,000 of compensation and not allowed for AGI over $78,000 single filer or $129,000 for joint filers.
• Roth IRAs have certain AGI based contribution limits
  • General married filing jointly can contribute up to the full $7,500 if their income is less than $218,000 or a reduced amount up to $228,000 at which point the opportunity o contribut is completely phased out.
  • For single filers or head of household, these individuals can contribute up to the full $7,500 if their income is less than $138,000 or a reduced amount up to $153,000 at which point the opportunity o contribut is completely phased out.
• For more information please visit: IRS - IRA Contribution Limits