A financial planner and a portfolio manager solve two different problems, and most people assume one advisor automatically covers both. A financial planner builds the roadmap: retirement timeline, tax coordination, estate planning, insurance gaps, cash flow. A portfolio manager executes inside that roadmap: selecting individual investments, sizing positions, deciding when to buy, hold, or sell….
A covered call means selling a call option against stock you already own, in exchange for premium income today and a cap on how much upside you keep if the stock rallies past a set price. At Freedom Capital Advisors, a Florida-registered investment adviser, we use covered calls as a risk management discipline first and…
Do you hold multiple ETFs in your portfolio? Most people do. ETFs are often marketed as a smart, diversified approach to investing. But here’s a question worth asking: how many companies do you actually own? The average ETF holds anywhere from a handful of stocks to thousands. A broad market ETF alone might track 500…
Your financial advisor controls one of the most important things in your life. Most people never question whether they truly understand what they are paying, what is happening inside their accounts, or whether their advisor is communicating with them the way they should be. The answer, in most cases, is that they are not. The…
If you’re young and someone is telling you to put money away from a paycheck that barely covers your expenses, I understand why that sounds like terrible advice. I thought the same thing. I started investing at 18. I was working entry-level jobs, and my paychecks were not impressive. My father, Ron McCoy, founder and…
Before you hand someone the keys to your retirement savings, you deserve honest answers to a short list of questions. Most people never ask them because they don’t know they should, or because they assume a nice office and a firm handshake are enough. They aren’t. If you have $500,000 or more in investable assets…
For most Americans, term life insurance is the right choice. It covers you when you need it most, costs a fraction of what whole life costs, and frees up capital to be invested and compounded over time. At Freedom Capital Advisors, a Florida-registered investment adviser, we work with families and retirees who come to us…
I’ve talked about AI with enough people to know that the conversation always ends up in the same place: “So does that mean I don’t need a financial advisor anymore?” It’s a fair question. The tools are impressive. You can open an account with a robo-advisor in minutes, get an algorithmically built portfolio based on…
If you’ve ever searched “how do donor advised funds work” and landed on an article written for a hedge fund manager, you’re not alone. Most of the content out there treats this like a billionaire’s tool. It isn’t. Here’s a straight answer. A donor advised fund (DAF) is a charitable giving account. You contribute money…
I’ve lived in Rabun County since 2020. Recently I’ve had the pleasure of talking to business owners and entrepreneurs through our local 1 Million Cups chapter and at the Forward Rabun, Chamber of Commerce events. Many success stories around here are built from nothing. Building a business in the North Georgia mountains takes a different…
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Email Ron: Ron@freedomcapitaladvisors.com
Email Logan: Logan@freedomcapitaladvisors.com
