4th Quarter Investment Planning Outlook
Before diving into the 4th quarter outlook, let's emphasize the importance of building a robust investment portfolio that guards against various risks. Our strategy actively addresses risks such as equity, interest rates, currency fluctuations, liquidity, credit, inflation, foreign investments, time horizons, and economic downturns.
Mastering High Net Worth Financial Planning: The Unique Challenges of Wealth
In today's ever-evolving financial landscape, the importance of financial planning cannot be overstated. It serves as a cornerstone for safeguarding one's financial well-being against life's uncertainties. However, for individuals and families with substantial wealth and complex financial needs, standard financial planning often falls short. This is where High Net Worth Financial Planning steps in to offer tailored solutions.
Mid-year Investment Outlook: Navigating 2023 and Beyond
As we step into the latter half of 2023, it's crucial to grasp the evolving dynamics between the economy and the market. In this mid-year investment outlook, we delve into the key occurrences of the past six months and shed light on the potential paths that lie ahead for your investments.
Navigating The Debt Ceiling Crisis
Global monetary policy hinges on the value of a risk-free asset plus a premium, and for years, US Treasuries have played this role effectively. Treasured for their liquidity and safety, they have served as collateral in countless global trade transactions.
Navigating Q2 2023: Investment Planning in a Shifting Economic Landscape
Key takeaways:
1. Reiterating: Profit-based recession is likely with major credit events
2. Reiterating: Risk of recession > risk of inflation
3. Reiterating: Fed pivot unlikely
It’s been an eventful start to this year. We have already had the 2nd and 3rd largest bank collapses of all time. The CPI calculation has changed for the first time in years. Mortgage rates hit 7.1% for the first time since 1993, and we are only three months into 2023. It’s only April and 2023 is already a year that will be remembered.
Top 3 Retirement Planning Lessons from Silicon Valley Bank
Well, it’s hard to hide from the news of the Fed and Treasury coming to the rescue of depositors of a failing bank. Silicon Valley Bank is the 20th largest bank in the United States of America and mainly serves the needs of startups and venture capital firms. And because of mismanaged risk and the inability to create liquidity when needed, the bank was taken over by regulators from the FDIC last Friday. This article covers the events that led to the failure of the bank and broader impacts as well as lessons learned from these series of events that can be applied to managing retirement.
The 2023 Investment Outlook and Investment Planning
Happy New Year! As we embark on our journey into 2023, we would like to share a comprehensive investment outlook that revolves around effective investment planning. The year 2023 brings with it a changing economic landscape, where legislative changes and global events influence the current market conditions.
Tax Planning for a Smart Retirement - The Top 5 Accounts
In the world of retirement planning, it's not just about saving for your golden years; it's about saving intelligently. The key to ensuring a tax-efficient retirement lies in understanding the various types of accounts at your disposal.
Potential for a Prolonged Recession and Implications for Investment Planning
In this ever-changing economic landscape, the need for sound investment planning is more crucial than ever. This article delves into the potential for a prolonged recession and its implications for your investment strategy. We will explore key economic indicators and strategies to safeguard your financial future.
Avoiding Poor Financial Decisions in Retirement – 5 Trends Retirees Should Avoid
This article covers some patterns and behaviors that may result in poor financial decisions and reduce the overall probability of achieving goals during retirement, such as enjoyment, flexibility, and control.
Market Commentary; The Persistence of Volatility
In this month’s newsletter, I hope to address key parts of our investment strategy, as well as highlight some definite wins and some areas that are still challenging. Seeing losses for the first time in the last 6 years can be challenging. Rest assured that our risk management process is helping to limit those losses.
Staying Focused During Times of Conflict
When something “big” happens in the global universe, our natural tendency is to ask, “What happens next?” The markets ask the same question and they usually have an adverse initial reaction because the markets don’t like uncertainty. However, the ultimate effect on the marketplace may not be what you might think.
Risk of Recession
It’s normal to be concerned about your investments given the current situation of the world right now. Over the past few weeks, I have received a few questions around risk that I believe merit further exploration.
Understanding Market Volatility
By understanding how volatility works, you can put yourself in a better position to understand the current stock market conditions as a whole, analyze the risk involved with any particular security, and construct a stock portfolio that is a great fit for your growth objectives and risk tolerance.
The Long Game
We all know that life can throw the unexpected at us…just look at the past few years for example…who could have predicted? You’ve reviewed your plan dozens of times and see nothing wrong. Then you read an article which stokes your concerns…one that states that 70% of people over age 65 will have some sort of disabling event that will require assistance of 2 months or longer.
We are good for now…
As we head into 2022, it is hard to believe that we have been living with Covid for over two years. I hope we are starting a new chapter in the Covid story. Inflation still does not seem to be the hot conversation topic for investment news. We believe that we have started to hit the peak cycle in the rate of change with respect to inflation. The rate of change of inflation will start to decline but the absolute numbers will be high.
Understanding Inflation
With the rise in prices, we thought a brief primer on inflation was warranted. The simple definition of inflation is the sustained upward movement in the overall price level of goods and services in an economy. The result of inflation is it takes more money to buy the same amount of goods and services than it did in the past.
The Annuity Comeback
On October 6, 2021, BlackRock announced that it would be introducing annuities as a built-in option within BlackRock’s 401(k) plans. I believe that this latest product introduction in defined contribution retirement savings plans is a huge shift in the retirement planning industry and a bellwether for the state of personal retirement savings plans for most Americans.
Do You Believe in Inflation?
Week over week, the number of Covid infections from the Delta variant continues to drop, implying that there is a reasonable basis for supply chain and labor to restart the path to normalization. Current estimates anticipate that the global supply chain will normalize after March 2022. Yet, there are multiple problems that exist, including a backlog of ships offshore as well as port, trucking and warehouse capacity.
Wash Sale Rules
The following is a summary of a conversation with Amar Shah, CFA, CFP®, Founder & CIO, Client First Capital, and Kyle Lynch, CPA, Founder of Clover Hill CPA, about wash sales—what they are, and the rules that impact securities, crypto, and more.