Advisor Training Alex Strandell Advisor Training Alex Strandell

WealthVest: The Weekly Bull and Bear S6E5: WealthVest/ Drawing Capital February 2022

S6E5: WealthVest/Drawing Capital February 2022

Season 6, Ep. 5

In this episode of WealthVest: The Weekly Bull&Bear, Sean van der Wal and Sagar Joshi of Drawing Capital come back on the podcast.

Topics including: Tech stocks, major technological trends, the metaverse, corporations creating their own cryptocurrencies, automation and what it means for the future of work, and how the U.S. is lagging behind China in the race to 5-g are all covered.

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Advisor Training Alex Strandell Advisor Training Alex Strandell

1040 Tax Guide: Locate Assets and Help Your Clients with Tax Deferral

With tax season here, WealthVest has recently released the 2022 1040 Tax Guide to serve as a way for financial professionals to build knowledge on using their client’s tax returns for deeper planning conversations. It will go through individual entry sections on the 1040 form that can reveal information on clients’ financial profiles. It can be used to lessen their tax burden, uncover planning opportunities, and help financial professionals know more about their clients’ investments.

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Advisor Training Alex Strandell Advisor Training Alex Strandell

2022 Tax Summary: A tool for your practice

WealthVest has released their updated 2022 Tax Summary as a reference of all the IRS information financial professionals and their clients need to have a successful tax year. Included for both 2021 and 2022 is – Standard Deduction amounts, Phase-out income limits, Social Security Info, Social Security COLA Adjustments, Uniform Lifetime and Life Expectancy tables, Retirement Contribution limits and income phase outs, tax credit info and marginal tax rates.

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Advisor Training, Retirement Research Alex Strandell Advisor Training, Retirement Research Alex Strandell

WealthVest Publishes Definitive Guide On Retirement Income Planning

WealthVest and Wade Pfau, PH.D., CFA, RICP, release a special edition book, Redefining Retirement: A Safe and Secure Way Down the Mountain. The book features the culmination of Pfau's research on lifetime income and the role of annuities, and a guide on how financial professionals can utilize the concepts from the book with their clients.

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Retirement Research, Advisor Training Alex Strandell Retirement Research, Advisor Training Alex Strandell

HOW IS YOUR BUSINESS IN THE MIDST OF THE PANDEMIC

March 2020 began a vicious market decline that saw portfolio values collapse. On March 23rd the Dow hit a low of 18,213.65*. This was not the first market correction that occurred this century. The first few years of the early 2000’s were marred by the losses of the Dot-com bubble bursting, and fast forward to 2008, we saw the housing bubble burst and the beginning of the “Great Recession.” While, markets have greatly recovered this year, the tumultuous nature of the first few months greatly depleted investors savings.

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TODAY’S LONGVEITY PARADOX

The dynamic of life expectancy increasing over one’s lifespan is referred to as the longevity paradox. WealthVest’s newest series, The Longevity Paradox, dives into the risks retirees face. With life expectancy growing over the past century, retirees must plan for an indefinite retirement timeline. Planning for longevity, while balancing investor behavior and market conditions, proves that retirees face an uphill battle when creating a lifetime income plan. Our first paper in the Longevity Paradox series tackles options retires can use to help combat these issues. This is a consumer approved resource that can help guide today’s retirees to options that help mitigate longevity and behavioral risk in retirement.

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Advisor Training, Consumer Material Alex Strandell Advisor Training, Consumer Material Alex Strandell

3 Questions to consider before purchasing a CD

With volatility in the markets at an all-time high, individuals are looking for safe options to allocate their portfolio into whether it be bonds, CDs, or money market funds. Money markets have seen a large uptick of inflows. This year we have seen money market funds grow to $4.5 trillion in assets. In March alone, the U.S. Money Market Funds experienced nearly $1 trillion of new money entering into money markets.** The downside of being in cash right now is low yields make it difficult for accounts to keep pace with inflation.

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Advisor Training Alex Strandell Advisor Training Alex Strandell

IS A 9% ANNUAL AVERAGE RETURN ENOUGH FOR YOUR CLIENTS IN RETIREMENT?

How do you demonstrate timing and sequence of returns risk with your clients? The consumer-facing sales tool “The Hatfields and Mccoys” tells a simple yet effective story on sequence of return risk. In the piece, we examine two hypothetical families entering retirement at age 65, but under different circumstances. Both families retire with $500,000 of their nest egg fully invested in the S&P 500® index. They both withdraw 4% annually, with a 2.5% increase each year to keep pace with inflation. The McCoys experience the annual returns from years 1978 to 2008, while the Hatfields experience the same returns, but in reverse chronological order, with a key point being that the annual return for 2008’occurs during their first year of retirement and the return for 1978 is their last.

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THE GREATEST BOND BULL MARKET IS OVER…

When I sat down in early February to reevaluate the piece, What’s Your Favorite Fixed Income Alternative, the 10-year treasury hovered near historic lows, by March, they had plunged further than many expected. March was the most volatile month we’ve seen since the Great Depression, not only in equities, but in bonds too. U.S. sovereign debt has traded at highest highs, with yields dropping to .318% on the 10-year and 1.34% on the 30-year*. Falling interest rates have resulted in gains for bond funds and bonds trading in the secondary market. With bonds trading at record highs, talk to your clients about potential bond alternatives for a few reasons.

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Advisor Training, Retirement Research Alex Strandell Advisor Training, Retirement Research Alex Strandell

HOW YOU CAN HELP YOUR CLIENTS IN THIS BEAR MARKET

You are undoubtedly getting phone calls each and every day from your weary and worried clients about what they should be doing with their investments and how today’s events will affect their financial plan. You’ve helped navigate them through the ups and downs of the market in the past, but this is the first time guiding them through a worldwide pandemic. What do you tell them?

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