wealth management

  • 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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  • 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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  • 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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  • 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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  • A Guide to the Generational-Skipping Transfer (GST) Tax Exemption

    A Guide to the Generational-Skipping Transfer (GST) Tax Exemption

    Benjamin Trujillo J.D., LL.M – Partner Planning your legacy? The Generation-Skipping Transfer (GST) tax exemption is a powerful allowance that can help you pass on wealth to future generations outside of the estate and gift tax system. Unfortunately, the current exemption is set to expire at the end of 2025, so it’s crucial to understand…

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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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  • 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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  • Executive compensation is complex. How can you be sure you’re making the right financial moves?  

    Executive compensation is complex. How can you be sure you’re making the right financial moves?  

     If you’ve been juggling your work life, family life, and financial life, you’re not alone.  Cognitive dissonance can be both ironically humorous and deeply unsettling depending on how long you think about it.  As a corporate executive, you help drive the organization’s growth and profitability. At home, however, managing your own wealth feels like a…

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  • The First Steps Towards Selling Your Business When It Already Feels Too Late to Start Planning 

    The First Steps Towards Selling Your Business When It Already Feels Too Late to Start Planning 

    You were so busy building your business that you never took time to consider an exit plan – now what?  So far away, and yet so close. That’s probably how the time horizon for selling your business feels.   You keep telling yourself that you have plenty of time to plan your exit because, let’s face…

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  • The Three Ages of Retirement

    The Three Ages of Retirement

    Think you know your retirement number? Think again.   More specifically, think differently.  The concept of a singular retirement age isn’t helpful once you start thinking about it. A one-size-fits-all standard would be particularly absurd, but even isolating a magic number specific to your own individual circumstances and goals can hinder your preparation for crossing that…

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  • Giving Circles: Fostering Learning, Increasing Impact

    Giving Circles: Fostering Learning, Increasing Impact

    For newer philanthropists and seasoned donors seeking to make an impact, Giving Circles can serve as a terrific source of sector knowledge and insights about community needs. Giving Circles create opportunities for donors to pool their individual, smaller contributions. Working together, members of the group can make thoughtful, collective decisions about allocating the funds to…

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  • A Career at Moneta Gives You More. And Gives Back to the Community. 

    A Career at Moneta Gives You More. And Gives Back to the Community. 

    “With a mission to foster financial literacy and increase economic access, as well as supporting organizations that help our communities to thrive, the Moneta Charitable Foundation provides grant dollars and amplifies nonprofit service opportunities in the places where we live and work.”  Eric Kittner, CEO, Moneta  A job, let alone a career, is more than…

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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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  • Introducing Moneta North

    Introducing Moneta North

    We are thrilled to welcome you to our new “Moneta North” office. Our space is on the 10th floor of the Shaw Park Plaza building at the corner of Brentwood Blvd. and Forsyth Blvd., just north of the beautiful Shaw Park.  ADDRESS: 1 North Brentwood Blvd., Clayton, MO 63105 COVERED PARKING: For your convenience, we…

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  • Freight is Fraught, and Banks make Bank

    Freight is Fraught, and Banks make Bank

    Markets continue to be noisy this week – as they digest market jitters at the end of last week (when the SPX fell by the most in one week – 1.6%, since October, and lost 1.5% on Friday alone).  The escalation in regional tensions in the Middle East between Israel and Iran, were somewhat diffused…

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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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  • Why I Serve – The Muny

    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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  • First Quarter Investment Report

    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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  • Private Market Report – Spring 2024

    Private Market Report – Spring 2024

    “It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.” – Warren Buffett, Chairman & CEO Berkshire Hathaway EXECUTIVE SUMMARY Private Equity’s outlook remains well-positioned despite persistent uncertainty around inflation and higher interest rates. Many sponsors are optimistic that interest rates will be lower by year-end,…

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  • April 2024 Market Update

    April 2024 Market Update

    QUARTERLY LETTER “People who think they know everything are a great annoyance to those of us who do.” – Isaac Asimov, American Writer The bull kept running in the first quarter despite any number of reasons to take a rest.  It has been a fun ride, as large U.S. company stocks, represented by the S&P 500…

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  • Physicians Guide – Determining Your Disability Insurance Need

    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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