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The Great Rotation: Does It Finally Have Legs?
Chris Kamykowski, CFA, CFP® – Head of Investment Strategy and ResearchTim Side, CFA – Investment Strategist For those who believe in diversification, it has been a painful decade+ of relative returns between small cap and large cap. Since the Great Financial Crisis of 2007-2008, US large cap equities have handsomely outperformed small cap by nearly…
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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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Let’s Talk… About a Career With Big Resources but Small-Firm Feel
Working as a financial services professional, you probably are asking two things about your career: What is best for my clients? And, what’s best for me? At a bigger firm, it’s harder to make a difference for your clients – or for your career. Procedures and bureaucracy can be inflexible, leaving you frustrated. But, at…
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Fresh Faces, Short Cycles
Aoifinn Devitt – Chief Global Market Strategist An alternative title of this blog was “All changed, changed utterly.”, to paraphrase the poet W B Yeats. Using that quip seemed too easy, however. In my many years of writing investment blogs I have used it a few times – during COVID, after a staggering geopolitical event,…
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The Truth About Endings
By Lindsay Taylor, CFP®, J.D. I recently met a woman while working in our church nursery. Between diaper changes and squeals, we asked the basic, get-to-know-you questions. And then came the one question I dread: “What does your husband do?” When I responded that I was divorced, I braced for an apologetic response met with an…
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Physicians Guide – Optimizing Your 1099 Income
Physicians often seek opportunities to supplement their retirement savings and defer taxes beyond their traditional retirement plans, such as a 401(k), 403(b), or 457(b). Physicians can have the opportunity to earn 1099 income through independent contracting, consulting, or other non-traditional arrangements (such as moonlighting or locum tenens services). The additional 1099 income can be used…
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Second Quarter Investment Report
Markets cruised through the halfway point of 2024 and as we take stock of the year-to-date numbers, we find ourselves with the S&P 500 up 15.3%, the Nasdaq Composite Index up 18.6%, and the Dow Jones Industrial Average Index up 4.8%. These numbers reflect a big picture view of investor optimism and improving economic conditions…
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Tax Implications for Business Sales
By Michael Torney, CFP, J.D., LL.M. I have advised many business owners on the tax implications of various financial planning areas. The area that has the single largest impact on the financial success of an entrepreneur is the sale of their business. Turns out, this is also the area of the largest tax savings. Proper planning can save seven…
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Disaster Philanthropy: Taking a Long-Haul Approach
By Deb Dubin, Chief Philanthropy Officer We often share information with clients who are looking to respond to contemporaneous natural and humanitarian disasters, from flooding to earthquakes to wildfires to war. The Center for Disaster Philanthropy (CDP) can be a useful resource in these instances, as they coordinate relief funds and consult with organizations focused…
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Monthly Recap – June 2024
Chris Kamykowski, CFA, CFP – Head of Investment Strategy and ResearchTim Side, CFA – Investment Strategist Monthly Observations Dispersion of Returns Highlights First Month of Summer The haves and have-nots were obvious in June as the second quarter came to close. The persistently rewarded themes of growth and technology pushed US large cap to the…
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Ask the CFP®: What is a Backdoor Roth IRA?
Welcome to this month’s Ask the CFP® segment. Today, we are going to discuss a financial strategy that could have a positive impact on your retirement planning: the Backdoor Roth IRA. Now, you might be wondering, what exactly is a Backdoor Roth IRA? Let me break it down for you… If your income exceeds the…
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Office Closed for Independence Day
Please note that our offices are closed in observance of the Fourth of July holiday.
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Controlling the Uncontrollable Parts of Ownership
A common tragedy for business owners is facing a life-changing event, such as a sudden death or illness that devastates the business, without a plan. While these events may seem uncontrollable in the moment, the good news is that with foresight and planning, you can regain control over what seems uncontrollable. Let’s look at a…
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What Makes Your Business Attractive to Buyers?
Building a business that’s attractive to buyers is both a powerful way to pursue a successful future and a sign of its value. There’s generally one trait that makes businesses most attractive to buyers: self-sufficiency without its owner. Let’s look at how a business’ dependence on its owner made it worthless to buyers despite its…
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The Benefits of Owning Qualified Small Business Stock
By Michael Torney, CFP, J.D., LL.M. Founders of small businesses have many tax benefits while running their business. They also may qualify for some tax advantages when selling the business. Certain kinds of company stock have an unusual benefit: In certain cases, it enables a person to avoid paying capital gains taxes on the stock’s gains…
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Protecting Yourself from Identity Theft and Cyber Attacks
by Brie McDonald, CFP® – Advisor Panic set in as I woke up one morning to several notifications on my phone. I had received multiple text messages in the middle of the night with security verification codes. I also received an email notifying me that someone had logged into one of my accounts from a…
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Why You Should Think Twice Before Converting to a Roth IRA
The Johnson Team Making the right investment choices can be the difference between a comfortable retirement and an uncertain future. Converting a Traditional IRA into a Roth IRA is a popular wealth management tactic for people who expect to be in a higher tax bracket during their retirement, but is it always the right choice?…
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Maximizing Your Legacy: Navigating Gift, Estate, and GST Tax Exemptions Before 2025
Benjamin Trujillo J.D., LL.M – Partner Planning your legacy? Understanding the various tax exemptions available, including the gift tax, estate tax, and generation-skipping transfer (GST) tax, is crucial. These exemptions allow you to pass on wealth to future generations with reduced tax burdens. However, the current exemptions are set to expire at the end of…
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Let’s Talk… About Starting Your Career as a Fiduciary at Moneta.
Navigating the complexities of personal finance can be daunting. That’s why a career in financial services can be so rewarding: you’re helping give people peace of mind and greater confidence in their financial future. But there are many options for anyone choosing this career, and one of those is to embrace the fiduciary standards of…
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Life Cycles and Credit Cycles
Aoifinn Devitt – Chief Global Market Strategist Illinois is currently in the middle of a 17-year cicada brood which is overlapping with the normal emergence of a regular brood. The last time this brood emerged was 2007. The experience of this phenomenon is quite divergent – in some areas tree barks are covered while sidewalks…
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The Immediate Benefits of Long-Term Planning
When business owners think about planning for a successful future, they sometimes believe that it will take years to reap what they sow. This can make it tempting to push such planning off to an indeterminate future date. However, strong planning can help you achieve success both later in your business career and right now.…
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Ask The CFP®: What Are The Most Important Parts Of Generational Wealth Transfer?
To see the full transcript from Travis and Kyle’s video, please see below. Kyle : Welcome to this month’s Ask the CFP® segment. Today’s topic is an exciting one and you’re in for a treat as I have asked Travis Freeman to join me. We’re talking about generational wealth…..what it is, and the most important considerations…
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Evaluating Nonprofits
By Deb Dubin, Chief Philanthropy Officer I’m often asked for the best place to look for unbiased, honest evaluations of nonprofits and their performance. The quick answer: there isn’t one trusted place that you can go to for this information. Seeking some clarity often requires triangulating through a combination of websites and some old fashioned,…
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Monthly Recap – May 2024
Chris Kamykowski, CFA, CFP – Head of Investment Strategy and ResearchTim Side, CFA – Investment Strategist Monthly Observations Markets Rebound Sharply Heading into Summer Markets rebuffed the adage of “sell in May and go away”, delivering strong gains across asset classes. Growth stocks led the way, benefiting the tech heavy Nasdaq and S&P 500 which…
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Manager Due Diligence: It’s Not All in the Numbers
Mark Webster, CFA – Senior Investment Research Analyst Artificial Intelligence (AI) is thriving these days to speed up analysis, sift through noisy information, create procedural efficiencies, and enable human workers to improve their productivity. Within the world of investment manager due diligence, numbers and reams of data are key components analysts must sift through to…