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24Sep
The Fed Calls Time for a Reality Check
Economy

I have written about the inverted yield curve in the past and find the reference to that in this coverage of the latest interest rate cut to be of interest.  Hope you do as well!

Click here to view the complete article.

Barb Culver

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28Aug
Emerging Markets
Investing

Why should you invest in emerging markets?

Check out this article written by Ryan Gilmer from our strategic back-office partner.

4 Reasons to Invest in Emerging Markets

Barb Culver

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15May
What Just Happened?
Economy
Here we were, coasting merrily along in the U.S. stock market.  Then, all of sudden, the last few days hit!

While I will be sending several opinions on consecutive days, I wanted to start with this one from Giolio Martini, Partner, Director of Strategic Asset Allocation at Lord Abbett.

Will Trade Trauma Trip Up U.S. Growth?

In our view, the effects of recently imposed tariffs likely will not have a significant impact on the current U.S. Gross Domestic Product (GDP) trajectory.

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01Nov
Is the Bull Market Over?
Economy

Here’s an ARTICLE you may find interesting.

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03Oct
5 Year Economic Prediction from Northern Trust
Economy

The information in this email is not to be taken as a recommendation to invest in any certain way.  Ginger Szala wrote “6 Economic Predictions for Next 5 Years: Northern Trust”, Sept. 10, 2018 as a result of interviewing Bob Browne the Chief Investment Officer of Northern Trust.)

Northern Trust has been shifting assets back in to the U.S. because “they have more confidence in the short-term U.S. story than in the international one.”  Browne thinks the U.S. equities will return about 6.5% total return in the short- term and expect equities to return closer to 6% over the next 5 years.  He predicts high-yield bonds at 6.3% total return in the short-term and 4.9% over the next five years.

In contrast, he projects 8.3% total return for emerging markets over the next 5 years.

He sees no risk of recession in the next 5 years and expects only one more interest rate increase from the Fed in 2018 and one in 2019.

While this obviously just represents the opinion of one institution, I thought you might be interested in seeing the total return predictions.

Barbara A. Culver
CFP®, ChFC®, CLU, AEP®
Resonate, Inc.
(513) 605-2500

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07Aug
Should I Name Individuals or a Trust as the Beneficiary of My Qualified Retirement Plan/IRA?
Investing

As opposed to leaving money outright to an individual, many of you have asked us regarding whether you should designate a revocable living trust as a beneficiary of an IRA.

While this is a legal question as opposed to a financial planning question, I do want to offer reasons why people may choose one or the other beneficiary designations.  Please note that I am referencing an article called “Designating a Trust as an IRA Beneficiary” written by Brian Dobbis, Director, Retirement Solutions for Lord Abbett, May 11, 2018.

  1. Because qualified retirement plans and IRAs are typically not subject to probate because of the beneficiary designations, many individuals simply choose to leave these qualified assets to their heirs outright.  With proper use of the beneficiary designation, you do not need to use a trust to have a qualified asset bypass probate.
  2. The primary reason for naming a trust over an individual as the beneficiary of an IRA or qualified plan is to provide post-death control over the assets.  This means that the individual or individuals named as the beneficiary of the trust do not have total control over the asset.  Rather, the terms of the trust control the distribution of the asset and/or its earnings.

If you choose to use a trust as the beneficiary for qualified assets, here are a few key points for your consideration:

  • Confirm with your attorney that the trust qualifies as a “look-through” or “see-through” trust.
  • Talk with your tax advisor or estate attorney regarding the income tax implications of using a trust versus an individual as beneficiary.
  • Be sure that trust documentation is provided to the IRA custodian no later than October 31 of the year following the IRA owner’s death.

Please note that the trustee of the trust is responsible for overseeing and implementing the terms of the trust.  Therefore, another key decision has to do with who you choose to name as trustee.I hope this provides some helpful information for those of you who are considering changing beneficiaries for your existing retirement plans or IRAs as well as for those of you who are naming beneficiaries within the near future.

 

Barbara A. Culver
CFP®, ChFC®, CLU, AEP®
Resonate, Inc.
(513) 605-2500

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22Jun
Warren Buffett’s Investing Style
Investing

I found the this article to be on interest.  I hope you do to!
Barb

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05Apr
Keeping Volatility in Perspective
Economy

Based on the continuing market volatility, I thought that you might find market perspectives from various economists and portfolio managers employed by the Capital Group to be encouraging. 

(Many of you will recognize the name of the Capital Group’s subsidiary –  The American Funds.)  Founded in Los Angeles, California in 1931, the Capital Group ranks among the world’s oldest and largest investment management organizations.  It has more than $1.7 trillion in assets under management and has offices around the globe in the Americas, Asia, Australia and Europe.  (Source: Wikipedia)  Robert Lind, the company’s European economist says, “There is mounting evidence that near-term momentum is building in the global economy and the cycle appears to be self-sustaining, particularly with respect to Europe.  The synchronization of global growth has raised the possibility that the cycle can be stronger for longer.”

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20Feb
The Market is Not the Economy
Economy

To understand this blog, you need to know what “VIX” stands for. VIX is the ticker symbol for the Chicago Board Options Exchange (CBOE) volatility index, which shows the market’s expectation of 30- day volatility.

As you know, your Resonate team consistently works hard to continue to earn your confidence and your business. Based on recent market volatility, I have been reading even more extensively than usual. I found this article by Trent Houston, product strategist at Lord Abbett to be particularly informative.
I hope that you do as well.

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06Feb
Market Volatility
Economy

At times like this, we are especially grateful for professional partnerships such as the one we offer clients through The Optimized Portfolio System (TOPS®).

In terms of recent market volatility, Click Here for the insights from Michael McClary, MBA – Chief Investment Officer and the TOPS® Portfolio Management Team at ValMark Securities, Inc.

I hope that this is helpful information to each of you.

As always, we are here to talk if you’d like.

Barbara A. Culver
CFP®, ChFC®, CLU, AEP®
Resonate, Inc.
(513) 605-2500

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