recession

  • Life Cycles and Credit Cycles

    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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  • Moneta Merges in Third Colorado Firm, Expanding National RIA into Boulder 

    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

    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 You Should Think Twice Before Converting to a Roth IRA

    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

    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. 

    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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  • The Immediate Benefits of Long-Term Planning

    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?

    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

    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

    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

    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…

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  • Key Man Risk

    Key Man Risk

    By Michael Torney, J.D., CFP®, LL.M., CEPA Many business owners assume their business is more valuable than it actually is. One of the biggest reasons? Key man risk.  Key man risk is the concept that a business is highly dependent on the contributions of one (or a few) person(s). Think of Berkshire Hathaway without Warren Buffett, or Tesla without…

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  • Let’s Talk… About Your Long-Term Success. 

    Let’s Talk… About Your Long-Term Success. 

    Embarking on a career in financial services is a pivotal step towards your long-term success. At Moneta, we believe that this journey shouldn’t entail pressuring your family and friends to buy products or relying solely on commissions. Instead, we offer you the opportunity to join a seasoned team of professionals with an established client base.  …

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  • The Four Exit Paths

    The Four Exit Paths

    By Michael Torney, CFP, J.D., LL.M., CEPA So, you’ve started thinking about exiting the business. It happens to every owner at some point. We spend so much time building the business and running the business. But at some point, we start to think about retirement, spending less time at work, or putting more time into another hobby or…

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  • Antifragile?

    Antifragile?

    Aoifinn Devitt – Chief Global Market Strategist Have we now entered the antifragile era for markets?  This concept, made popular by Nassim Taleb, loosely means something that benefits from chaos and volatility and is made stronger, not weaker, as a result. As we write, the Dow Jones Industrial Average has just topped 40,000 for the…

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  • The Personal Representative Role Basic Responsibilities

    The Personal Representative Role Basic Responsibilities

    By Kelly Moore, Vice President of Estate Planning and Trust Services Being named as Personal Representative can often appear overwhelming, particularly if you are still in the grieving process, and it is best to understand the role before accepting the responsibility. One of the worst calls you can receive is when someone calls to tell…

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  • How Much to Give?

    How Much to Give?

    Charitably inclined clients often ask their financial advisors: what percentage of my assets should I be giving away each year?  The simple answer: that there is no “one-size-fits-all” number, and personal choice ultimately dictates the outcome.   Just as there are multiple strategies for how to donate your assets, including the type of assets and the…

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  • Physicians Guide – Exploring Education Funding and Savings Strategies

    Physicians Guide – Exploring Education Funding and Savings Strategies

    By Wesley Sebacher, CFP®, CAIA® As a physician, you’ve dedicated a significant amount of time and resources toward your education and career. Now, you may be thinking about how to secure your children’s educational future. College and medical school tuition can be exorbitant, thus strategically saving for your children’s education is crucial. This guide is designed…

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  • Reducing Risks in Risky Business

    Reducing Risks in Risky Business

    Starting a business is inherently risky. Fortunately, even the riskiest businesses have opportunities to reduce their risks and protect their interests with proper and early planning. Let’s look at a fictional but representative story of how an extremely risky business survived an unexpected accident.   A Precipitous Fall   Harold “The Hummingbird” Wasserman founded his stunt-pilot training…

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  • Monthly Recap – April 2024

    Monthly Recap – April 2024

    Monthly Observations Sharp Downdraft Upends Markets Markets were doused with a bit of seasonal April showers as an uptick in geopolitical drama, surprise to inflation trends, and a sharp change in interest rate expectations weighed on equity and fixed income markets. The S&P 500 fell sharply from its most recent all-time highs set in March,…

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  • Should the Fed Cut Rates? Will the Fed Cut Rates?

    Should the Fed Cut Rates? Will the Fed Cut Rates?

    Tim Side, CFA – Investment StrategistChris Kamykowski, CFA, CFP – Head of Investment Strategy and Research Early this year, January 11th to be exact, we received an email from our Fixed Income team following the December 2023 Consumer Price Index (CPI) report. One comment stood out: “The market is pricing in a better than 100%…

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  • The Best Gift for Your High School Graduate: Providing Perspective  

    The Best Gift for Your High School Graduate: Providing Perspective  

    By Anna McDonald, Director of Family Learning When your child walks across the high school graduation stage, it’s a significant moment in a child’s life, your life as a parent, and the lives of those who loved and supported them throughout their first 18 years. It’s truly a time for reflection, tears, celebration, and heartfelt…

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  • ALAP

    ALAP

    Aoifinn Devitt – Chief Global Market Strategist Any readers who love to ski will know that 2024 has been another great ski season in the Western US.  Abundant snow, falling somewhat later in the season, has led to some resorts being open “ALAP” – as late as possible, even now into early May.  While things…

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  • Ask the CFP®: When and How Do You Rebalance My Investment Portfolio?

    Ask the CFP®: When and How Do You Rebalance My Investment Portfolio?

    Welcome to this month’s Ask the CFP® segment. Today we’ll talk about how we keep your investment portfolio on track over time. This is commonly known as rebalancing. A long-term investment portfolio should be well thought out and intentional. At Moneta, we believe using target, or model, allocations is the most important part of planning…

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  • Physicians Guide – Defining Philanthropic Goals and Maximizing Charitable Impact

    Physicians Guide – Defining Philanthropic Goals and Maximizing Charitable Impact

    By Wesley Sebacher, CFP®, CAIA® Charitable giving and philanthropy provide physicians with an opportunity to make a significant impact on their communities and the world at large. As medical professionals, you possess unique skills and resources that can be leveraged to improve healthcare access, research, education, and various other humanitarian causes. Whether you are a seasoned…

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  • New Retirement Security Rule Reinforces Fiduciary Standards for Investment Advisors 

    New Retirement Security Rule Reinforces Fiduciary Standards for Investment Advisors 

    On April 23, 2024, the Department of Labor (DOL) announced a significant overhaul to the Retirement Security Rule that strengthens fiduciary responsibilities for financial advisors dealing with retirement plans and IRAs. This comprehensive update to the fiduciary definition under the Employee Retirement Income Security Act (ERISA) and the Internal Revenue Code is scheduled to take…

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