Afleveringen
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As we move into political silly season, Social Security will become even more of a political hot-potato. Social Security garners lots of hot takes, not all of which are correct.
In this episode, my goal is to lay out:
How social security worksWhere the program is likely headed and What that means for participants both now and in the futureLastly, we will talk about how you should plan for social security, regardless of your income level.
Sources:
https://www.ssa.gov/oact/trsum/
https://www.cbo.gov/publication/59184
Learn More About Us: https://www.thecapitalstewards.com/
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Retirement Planning 201. We dive deep into strategies for those considering retirement in the next 5 years. This is 201 because we go much deeper into taxes, healthcare, social security and investing than the typical retirement planning article. We discuss:
0:00 Your Most Valuable Resource (Time) + Working in Retirement
5:14 How long will you live? + How much will you spend?
8:10 When to Take Social Security
11:40 IRAs vs. 401ks vs. ROTH + Reducing Taxes In Retirement
15:00 Early Retirement Healthcare + Original Medicare vs. Medicare Advantage
18:40 Investing for Retirement
https://www.thecapitalstewards.com/st...
Data Sources:
Workforce Participation: Bureau of Labor and Statistics, Employee Benefit Research Institute, Greenwald Research
Retirement Spending: J.P. Morgan Chase, “Three Retirement Spending Surprises”
Life Expectancy: American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator, http://www.longevityillustrator.org/, (accessed August 2022).
Social Security: Social Security Administration, Capital Stewards Analysis, Table shows figures assuming maximum benefit from social security, based on 2024 payout data and not adjusted for inflation.
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Zijn er afleveringen die ontbreken?
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Sit on an Investment Committee or Nonprofit Board?
Stewarding the generous gifts of your congregation and community is a high calling but often leaders get stuck facilitating their investment committee. Investing with an organization is very different, and often more challenging, than personal investing. In this episode we discuss overcoming 5 challenges we see with organizational investors.
3:04 - Slow and Ineffective Investment Committees
9:20 - Lack of Focus on Asset Allocation
10:52 - Under-Developed Investment Policy
13:20 - High Fees and Lack of Transparency
15:00 - No Performance Tracking
More on Investing for Churches, Non-Profits and Endowments: https://www.thecapitalstewards.com/churches-non-profit-financial-advisor
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Everytime you turn on the news there is another story about the southern border or immigration. The U.S. economy continues to create more jobs than expected, largely due to "foreign born workers"
The Bible teaches that we should love foreigners and refugees. But much has been written about migrant workers stealing jobs from Americans and driving down wages. So how do we reconcile all of that?
In this episode of the podcast, we examine the data for immigration and employment in America.
0:00 Intro
2:14 Legal vs. Illegal Immigration
3:28 Immigration Facts
3:58 Impact on Economic Growth
8:19 Are Immigrants "Stealing Jobs?"
11:22 Immigration Reduces Wages
13:25 Immigration Reducing Inflation
16:01 Conclusion
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Feeling down about the economy and markets? Paying high prices at the store while watching the S&P 500 hit all-time highs?
Often, how we feel about the market and our investments doesn't jive with what's really happening. In our Q2 outlook, we look at the data to get a better picture of what's really happening in the economy and financial markets.
0:00 - Inflation Feels Different Than Reality
3:03 - What's Happened So Far This Year?
4:06 - Why Long-Term Perspective is So Important
6:00 - Job Market
8:36 - Layoffs
11:04 - Inflation
12:28 - How Are Companies Doing?
17:19 - Stock Prices and Valuation
20:46 - International Markets
24:13 - Bonds and Interest Rates
27:00 - Where Will Long-Term Interest Rates Land?
30:40 - Gold
31:54 - Conclusions & What Investors Should Consider
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Wondering whether Bitcoin should be a part of your investment portfolio? In this episode we share our perspective on how to consider a crypto investment. What about the new Bitcoin ETFs, should those be a part of your investment portfolio? We discuss:
(0:00) Intro & Thesis on Bitcoin
(2:53) Blockchain & Distributed Ledger Technology vs. Cryptocurrencies
(6:35) Is Bitcoin a Currency?
(8:58) Is Bitcoin a good Inflation Hedge?
(11:37) Bitcoin as a Safety-Net
(12:53) Cryptocurrency Volatility
(13:52) New Bitcoin ETFs
(15:55) Should Bitcoing Be Part of an Investment Portfolio?
Blog Post:
https://www.thecapitalstewards.com/learn/investing-in-bitcoin
Want to Start a Conversation About Your Investments? -> https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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The superbowl is over. Taylor Swift clearly won. Its baseball season and all of that means it's time for taxes in 2024. In this episode, we cover things you can do to reduce your tax bill for 2023 and we also discuss strategies you can use for long-term tax planning.
More than 90% of filers are using the standard deduction each year. That means tax reduction isn't about a "hunt for deductions" each year, its about long-term strategies that lower your tax bill over time.
Listen to the episode for more insight on all things taxes for 2024!
Want to Start a Conversation About Your Long-Term Tax Plan -> https://www.thecapitalstewards.com/startconversation
Link to the "Dunkings" Commercial Video ->https://www.youtube.com/watch?v=Ve2miT5iF2M
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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It's hard not to notice, but we are in an election year. Did you know that the stock market does better when Democrats hold the oval office? Well... sorta...not really. There is lot's of discussion about the impact of the election on the stock market, interest rates and the economy. In this episode we will break it down and discuss the real impact elections have (or don't have) on markets. We cover:
What impact might the election have on stock market returns in 2024?Does it matter if a Democrat or Republican wins the election?Does the stock market actually perform better during Democrat or Republican administrations?What economic policy ideas should we watch for when we evaluate candidates.Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Happy New Year! It's resolution time, but instead of focusing on 5 "check boxes" for a financially successful 2024, what if we took a step back to make a giant leap forward? In this short episode, I dive into a better approach for financial resolutions: aligning your life with your resources. Here are four questions to ask yourself as you kick off 2024:
Why am I here? How am I uniquely gifted? How am I creating opportunities for my family to thrive and grow?What am I passionate about changing in my community? What areas of my life are well-resourced? What areas need more resources, either time, attention,or money?Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Will we have a recession in 2024? How will inflation and interest rates impact my job, my investments and the economy? Where should I consider investing in 2024? We dive into those questions and more in our latest outlook.
Topics:
(0:00) - Intro
(1:13) - Post-Covid Economic History 101
(4:29) - Normal vs. The Sugar High
(6:08) - Where are We Really on The Investment Journey?
(8:21) - Recession Debate and GDP Components
(8:55) - Job Market & Strong Consumer
(14:52) - Consumer Debt Increasing
(16:17) - Consumer Spending Over the Holidays
(18:40) - Business Investment & Activity
(22:18) - Governement Spending & Deficits
(24:12) - Inflation
(25:41) - Investment Outlook
(26:24) - Stock Market & Magnificent Seven
(32:31) - Bond Market
(35:17) - International Markets
(39:16) - Real Estate & Housing
(41:39) - Actions to Consider & Conclusion
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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TAX TIME IS NOW! Not in March of next year. Now is the time to start thinking about strategies to manage your 2023 taxes and it’s also a great time to find professional support to help prepare your tax returns. In this episode we discuss year end planning, including:
Tax Loss Selling in Bond PortfoliosRetirement Account Contributions, Distributions and Charitable ContributionsROTH ConversionsManaging Stock OptionsYear Trust and Estate PlanningYear End 2023 Planning Tips Article: https://www.thecapitalstewards.com/learn/tips-for-2023-year-end-tax-planning
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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The interest rate on the 10-year U.S. Treasury has risen from less than 1% in 2020 to almost 5% today. Everyone is talking about mortgage rates, but the implications of higher rates are broader than simply higher mortgage payments.
In this episode, we discuss the changes we believe investors should consider for their portfolios and financial plans in this new interest rate environment. We discuss:
Re-thinking your investment allocation, i.e., the mix of stocks, bonds and other assets New wealth transfer opportunities created by higher interest ratesRead Our Article on Rising Interest Rates: https://www.thecapitalstewards.com/learn/how-5-interest-rates-may-impact-your-investments-and-financial-plan
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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In part two of our series on real estate investing we discuss our outlook for the real estate market. We cover both the residential and commerical real estate markets from the perspective of a long-term, generational investor. We discuss:
The different types of real estate investors should consider owningOur outlook for residential real estateThe profitability of current and new short-term rentals (Airbnb and VRBO) with real-time dataOur outlook for commercial real estateThe impact of higher rates on propertiesLearn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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One of the most anticipated recessions in U.S. history has not occured yet in 2023. Is this time different? We discuss why markets have been strong so far, and why they may slow down going forward. As always, we discuss what actions investors should consider based on what's happening in the economy and markets. We discuss:
0:00 Overview + Long-Term Perspective
6:18 Labor Market
8:20 Inflation
13:35 Manufacturing Decline Ser
14:24 Consumer Headwinds
17:30 Debt & Deficits
23:20 Are We In A Recession?
24:35 Interest Rates
27:08 Stock Market Outlook
28:45 Bond Market Outlook
30:31 International Markets (+ China)
33:01 What Should We Do Next?
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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We get tons of questions about real estate. Should I invest in real estate? How should I invest in real estate; through funds or direct property owenship? How much should I own and how do I think about real estate in the context of my total invstment portfolio. In this episode we discuss long-term real estate investing. In our next episode we will provide an outlook for real estate given today's environment. In this episode, we cover:
The case for including real estate in your investment portfolioUnique tax advantages of real estateHow much real estate you should ownSix steps to get started investing in real estateREITS vs. Private Real Estate Funds vs. Direct Property OwnershipHow to scale your holdings to build a multi-generational real estate portfolioTransferring real estate to the next generationLearn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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In the third part of our series on Multi-Generational Wealth, we dive into transferring wealth to the next generation. But this is much more than boring, complex meetings with an attorney and dividing up your assets. Wealth transfer planning is a journey that occurs over many years. Effective wealth transfer should result in leaving a financial springboard for your family. That should be exciting to work on! In this episode we cover:
Training Your family529 Plans: Good for Training; Great for Wealth TransferReducing Taxes Through Estate PlanningCharitable Foundations for Everyone / Donor Advised FundsHow Multi-Generational Investing Differs from Retirement InvestingLearn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Episode 2 in our 3 part series on generational wealth. We discuss one of the top concerns for families: how to not spoil your children and grandchildren. These concepts apply to everyone with kids!
Stewarding wealth, like anything else, requires training over time, not just a one-time meeting or estate planning document. In this episode we discuss how to build the next generation of great wealth stewards using 5 key principles:
Engaging the next generation in decision making while they are kids!Getting involved in philanthropy togetherInvolving your children in investment, tax and wealth planning discussions in their 30s (or sooner!)Demonstrating how your values impact business and family decision makingDiversification is critical as you pass wealth from generation to generationLearn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Thinking about building generational wealth for your family? Wondering where to start...or if it's even possible? In this series of episodes we share our perspective about income, assets and wealth. You don't have to be a Rockefeller or a Youtube star to think about building a financial foundation for your family. Multigenerational wealth also doesn't mean that your kids don't need to work and you can sit around all day. Real people can build generational wealth that provides flexibility for their family and empowers generosity.
In this episode we talk about:
Myths and Real-Life Assets > IncomeDebt as a ToolHow to save and invest across generations (think diversification)Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Are we there yet? Will the recession ever arrive? In this episode we share Capital Steward's investment and economic outlook for the second half of 2023. We discuss our views on inflation, the economy, the stock market and bonds. Most importantly, we share practical advice for investors to consider.
Video version with charts: https://youtu.be/Ygd6hDPg8oc
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a professional member of our team: https://www.thecapitalstewards.com/contact
Agenda:
0:00 Intro / The Big Picture
4:50 Labor Market / Jobs
6:35 Housing Market / Home Inflation
7:45 Inflation Outlook
9:20 Fed Policy / Interest Rates
11:35 Are We There Yet?.... Recession
17:00 Stock Market Outlook
20:50 Bond Market Outlook
22:10 International Markets
23:35 Practical Steps for Investors / Where You Can Find Help
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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Are active fund managers beating passive funds in post-pandemic markets? Should you own only passive index funds? What is the best way to invest and gain exposure to stock and bond markets?
Our work suggests the majority of investment assets should be managed passively to maximize results and reduce both costs and taxes.
However, active management may be useful in a few, less mature asset classes. We lay out our perspective in this episode so that you have real data to make informed decisions.
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
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