Retirement Plan
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First Quarter Investment Report
Following 2023’s sweeping comeback performance, 2024 wanted a piece of the action. It was a quarter of warm springs and chill winds from the Middle East and Russia/Ukraine. Japan continued to rise, while China continued to present a muddied picture. All eyes remained on AI and its ramifications, while economic strength was the gift that…
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Moneta Merges in Third Colorado Firm, Expanding National RIA into Boulder
ST. LOUIS — March 6, 2024 — Moneta, a 100% partner-owned Registered Investment Adviser (RIA) firm, announces the addition of Amy Hiett and Mike Walsh as Partners. The team formerly known as Juniper Wealth Advisors joins Moneta from Wells Fargo with about $279 million in assets under management (AUM), bringing Moneta up to approximately $34 billion…
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An Assessment of Geopolitics and Changing World Order – Part 3
“The problem isn’t getting rich, it’s staying sane.” -Charlie Munger[1] The current environment is rife with uncertainty. Following two seismic events, the COVID-19 pandemic and the first ground war in Europe since World War II, investors have also had to grapple with the most rapid rate hiking cycle from the Federal Reserve since 1980, deteriorating…
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Why I Serve – The Muny
by Michael Torney, J.D., CFP®, LL.M. I remember the first time I saw a show on Broadway. Les Misérables and I was a kid. I was hooked. The energy from the performers, the full house, the vocal/acting/dancing talent, the music! I love the theatre. It provides an experience you can’t get elsewhere – there’s an escape…
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Physicians Guide – Determining Your Disability Insurance Need
By Wesley Sebacher, CFP®, CAIA® Disability insurance is a critical component of financial planning for physicians. Physicians invest years of their lives and significant financial resources in their career, and their ability to earn an income is one of their most valuable assets. This guide will help you understand disability insurance for physicians, including the coverage…
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Totally Eclipsed
Aoifinn Devitt – Chief Global Market Strategist It brought tears of joy, and highway tailbacks for hours. Monday’s total lunar eclipse was an almost spiritual experience for those lucky enough to be in its path, and the moment of cosmic perfection seemed like a pause for breath amid an increasingly frenetic backdrop. Markets, too, are…
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Monthly Recap – March 2024
Chris Kamykowski, CFA, CFP® – Head of Investment Strategy and ResearchTim Side, CFA – Investment Strategist Monthly Observations Upward Momentum Continues for Markets A resilient economy continued to support all markets with the labor market remainingrobust as the first quarter came to a close. The S&P 500’s 10.2% quarterly returngave the index its second consecutive…
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Expecting the Unexpected
Unexpected events often have bigger risks for business owners than many other people. Family members, employees, and even communities can face devastating consequences due to a business owner’s death or permanent incapacitation. Fortunately, there is a way to mitigate the risk of unexpected events wreaking havoc on you, your business, your family, your employees, and…
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The Halve of It: Rehashing the Bitcoin Saga
by Trent Rieger, Associate Investment Analyst All-time highs, brand new spot ETFs, and an upcoming halving has Bitcoin continuing to make headlines, sparking curiosity in those with fear of missing out (“FOMO”). Both speculation and skepticism run rampant for those evaluating the merits of Bitcoin. The recent uptick in conversation is not without merit and…
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Physicians Guide – Determining Your Life Insurance Need
By Wesley Sebacher, CFP®, CAIA® Life insurance is an essential financial tool for physicians, as it provides a safety net for families in the event of untimely death. Physicians often have unique financial needs and earning potential, thus understanding the type of insurance and amount of coverage needed is crucial. In this guide, we’ll explore the…
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Ask the CFP®: What is the Team’s Approach to the Financial Planning Process?
Welcome to this month’s Ask the CFP® segment. We’ve been asked to describe our team’s approach to the financial planning process. Our team believes in holistic, goals-based financial planning that puts the client first. We function as the quarterback of your overall financial management and work together with your other advisors and Moneta’s internal…
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Caution to the Wind?
Aoifinn Devitt – Chief Global Market Strategist It feels like the end of an era – in many ways. Firstly, we may have seen the end of global central bank convergence. Just as the Bank of Japan signaled an end to its NIRP (negative interest rate policy) by hiking rates for the first time in…
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The Anatomy of a Bubble
Aoifinn Devitt, Chief Global Market Strategist Coming off of the usual post-Oscars drama, the real original screenplays kicked off mid-week with inflation numbers and a concern that 2024 is already getting too hot to handle. And while it’s true that “some like it hot”, namely the consumer, indications of a higher-than-expected CPI report for February…
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Physicians Guide – Optimizing Your Debt Management
By Wesley Sebacher, CFP®, CAIA® Debt management is a crucial aspect of financial wellness for physicians. You have invested a significant amount of time and money in your education and training, accompanied by the high costs associated with medical education. This guide aims to provide essential strategies to effectively manage debt and work toward financial…
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Monthly Recap – February 2024
Monthly Observations Records Broken in February Strong economic data and earnings reports were supportive of a risk-on month with the S&P 500 breaking the 5000 level for the first time, surging over 5%. Even non-US markets experienced new market tops with Europe’s Stoxx 600 hitting a record high and Japanese Nikkei 225 finally surpassing its…
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Winds from the East
Aoifinn Devitt, Chief Global Market Strategist Maybe it is because it is an election year, but we still have China on our minds. Despite the fact that China continues its decline on the global market stage, its policies cast a long shadow. When looked at as a percentage of the Emerging Market index – China…
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Ask the CFP®: Should I Buy Travel Insurance?
Planning a trip is exciting, inspiring…and nerve-wracking. As you compare options, piece together the details, make deposits, and purchase tickets, the whirlwind of anticipation can quickly be derailed by “what ifs…” What if one of us gets sick – before or during the trip? What if a family emergency means we need to cancel our…
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Physicians Guide – Exploring Student Loan Repayment Options
By Wesley Sebacher, CFP®, CAIA® As a physician, you have invested a significant amount of time and resources into your career. For most physicians, this investment into oneself is accompanied by a considerable amount of student loans. Physicians have several options for repaying these student loans and opportunities for forgiveness. The specific repayment options available…
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All-Time Highs: Is it all Downhill from Here?
Chris Kamykowski, CFA, CFP® – Head of Investment Strategy and Research Early 2024 has seen all-time highs in the equity markets seem as frequent as Taylor Swift sightings at Kansas City Chiefs’ football games. Multiple new record highs by the S&P 500 have hit in quick succession with 13 between January 19th and February 23rd.…
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The Nvisible Hand
Aoifinn Devitt, Chief Global Market Strategist Better than expected. It has been a bit of a mantra for the year so far – better economic growth, better trend of inflation, a better outlook for jobs and a better level of the S&P. And now the much-awaited Nvidia revenues were better than expected – up 265%…
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Advisor Kyle Luetters Featured in MoneyGeek – Experts’ Tips on Getting Life Insurance at 60
MoneyGeek recently featured Advisor Kyle Luetters in an article where he provides tips on getting life insurance at 60. Below is an excerpt from the original article, you can read the full piece on MoneyGeek HERE.* What are the key factors 60-year-olds should consider when choosing a life insurance policy? This is a great question. Life…
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Mixed Signals in the Last Mile
By Aoifinn Devitt, Chief Global Market Strategist “Yesterday is not ours to recover, but tomorrow is ours to win or lose.” Lyndon B. Johnson In this election year we probably also have politics, and stump speeches, on our minds, and as we embark on a new year in markets we may seek clarity on what…
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Physicians Guide – Exploring Student Loan Forgiveness Options
Wesley Sebacher, CFP®, CAIA® Student loan forgiveness for physicians is a critical topic, especially with the high levels of student debt that medical school graduates often carry. Fortunately, there are various forgiveness and repayment program options available to help alleviate this burden. Below, is an outline of a variety of programs and ideas for you…
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What’s Your Plan When Plans Change?
“The best-laid schemes of mice and men gang aft agley.” -Robert Burns What should you do if a plan you made isn’t working? Let’s look at how exit planning can position business owners to successfully adjust to changing conditions. Adjusting over abandoning Over the past few years, many business owners have learned that even their…
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January 2024 Recap
Download Recap PDF MONTHLY OBSERVATIONS Mixed Bag of Returns to Start 2024 On the positive side, U.S. economic data continued to point to strength in the underlying growth trajectory. That said, markets expectations for rate cuts were curtailed which led to ample disparity in market returns. Large cap growth once again led the way as…