Quiver Financial News
Quiver Financial specializes in 401(k) management, wealth and investment management, retirement planning, and private equity services for individuals, families and businesses looking to maximize the five years before retirement. With over 20 years of experience the financial professionals at Quiver Financial go beyond Wall Streets outdated ”long term” way of thinking and help our clients navigate ”what just happened” to ”what is next.” We honor our fiduciary duty above all, and practice full disclosure, due-diligence, and client communication. We work in a collaborative atmosphere with our clients, with whom we reach mutual agreement on every phase of the financial planning and wealth management process. Quiver Financial is guided by a commitment to thoughtfulness, pragmatism, creativity and simplicity to help our clients achieve the financial freedom they desire.
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Is Our Mission
Quiver Financial has served over 300 households and counting in the communities of : Orange, Ventura, San Diego, and Los Angeles counties.
Just like an Archer with a Quiver of arrows for various targets or a surfer with a Quiver of surfboards for different ocean conditions, investors should consider a quiver of tactics to help them harness the tides and manage the risks of financial markets. We are committed to ensuring our clients do not outlive their savings.
We are guided by a commitment to thoughtfulness, simplicity, creativity, pragmatism, and being unique and avoiding the herd.
Episodes
Monday Apr 22, 2024
Benefits of Helping Your Employees Plan for Retirement
Monday Apr 22, 2024
Monday Apr 22, 2024
Saving for retirement is daunting for most people, especially those who don’t receive retirement assistance from their employers. Without proper guidance and support, many employees struggle to adequately plan for retirement, leading to financial stress and uncertainty.
Employees facing an uncertain financial future may experience increased anxiety and decreased job satisfaction, resulting in lower productivity and higher turnover rates. This, in turn, can strain the company’s bottom line and hinder its ability to attract and retain top talent.
But, by offering retirement plans and promoting financial literacy, employers can help their employees secure a more stable financial future while also reaping the benefits of a more engaged and loyal workforce.
To help, we’re discussing the importance of retirement planning, exploring retirement plan options for small businesses, and highlighting why helping your employees save for retirement is a good idea for your business.
The Importance of Retirement Plans For Employees
Offering retirement plans is a powerful way for employers to demonstrate their commitment to their employees’ long-term financial security. By providing retirement planning options, businesses can help their employees alleviate the stress and uncertainty that often come with insufficient retirement savings. Employees who feel supported in their financial goals are more likely to be engaged, productive, and loyal to their employer.
The retirement savings gap is a pressing issue that affects many employees. Without access to a workplace retirement plan, individuals may struggle to save adequately for their golden years. By offering retirement plans, employers can bridge this gap and provide employees with the tools and support they need to save effectively. This benefits the employees and contributes to a more financially stable workforce, which can have positive ripple effects on the company’s bottom line.
Additionally, student loan debt is a significant burden for many employees that can hinder their ability to save for retirement. Employers can help employees make informed decisions about their financial priorities by offering retirement plans and financial education.
Retirement Plan Options for Small Business Owners
As a small business owner, selecting the right retirement plan for your employees is a crucial decision that can impact their financial future and your company’s bottom line. Several options are available, each with its own benefits and requirements. By understanding the different retirement plan options, you can make an informed choice that aligns with your business goals and helps your employees save for their golden years.
Some of the most popular retirement plans small businesses can offer their employees are:
401(k) plans: With 401(k) plans, employees elect to contribute a specified portion of their salary from each paycheck. Contributions are made on a pre-tax basis. Employers can match a percentage of employee contributions, providing an additional incentive for participation. These plans are flexibile, can be customized to suit your company’s needs, and setting one up for a small business is easier than you’d think!
SEP IRA: Simplified Employee Pension (SEP) IRAs are easy to set up and maintain, making them an attractive option for small businesses. Employers make contributions on behalf of their employees, and the contribution limits are generally higher than other retirement plans. SEP IRAs offer tax benefits and can help attract and retain talented employees.
SIMPLE IRA: Savings Incentive Match Plan for Employees (SIMPLE) IRAs are designed for small businesses with 100 or fewer employees. These plans require employers to make matching or non-elective contributions for their employees. SIMPLE IRAs are easy to administer and offer tax benefits for both employers and employees.
Profit-sharing plans: Profit-sharing plans allow employers to make discretionary contributions to their employees’ retirement accounts based on the company’s profitability. This flexibility can be advantageous for small businesses with variable cash flow. Profit-sharing plans can be combined with other retirement options, such as 401(k) plans, to provide a comprehensive retirement package for employees.
Other options: In addition to the above plans, small business owners can also consider traditional pension plans, which provide a guaranteed income stream for employees in retirement. Another option is a Roth IRA, which allows employees to contribute post-tax dollars and enjoy tax-free growth and withdrawals in retirement. These options may be suitable depending on your business’s specific needs and goals.
Promoting Financial Literacy Among Employees
Offering retirement plans is an essential first step in helping your employees secure their financial future, but it can also help to promote financial literacy among your workforce. By offering access to education and resources on personal finance, you can empower your employees to make informed decisions about their money and take full advantage of the retirement plans you offer.
Of course, not all businesses have access to financial education resources and tools. But for those able to, helping your employees plan for retirement beyond offering an employer-sponsored plan can help attract top talent and create a loyal team.
Some ways workplaces can help employees increase their financial literacy include:
Educating Employees About Personal Finance
Providing your employees with a solid foundation in personal finance is crucial for their long-term financial well-being. Consider offering workshops, seminars, or online courses that cover topics such as budgeting, saving, investing, and debt management. Encourage employees to open savings accounts and emphasize the importance of emergency funds.
Encouraging Participation in Retirement Plans
While offering retirement plans is important, it’s equally crucial to encourage your employees to participate in them. Regularly communicate the benefits of your retirement plans and provide clear, easy-to-understand information about how they work. Explain the advantages of different investment options, such as ETF or mutual funds, and how they can help employees grow their retirement savings over time. Highlight the importance of starting early and the impact compound interest can have over 20 years or more. Consider offering incentives, such as employer matching contributions, to encourage higher participation rates.
Providing Resources and Tools for Financial Planning
In addition to education and encouragement, providing your employees with resources and tools for financial planning can significantly improve their ability to save for retirement. Consider offering access to financial advisors who can help employees create personalized savings plans and select appropriate investment vehicles based on their risk tolerance and financial goals. Provide online retirement calculators and educational materials to help employees set financial goals and track their progress.
Advantages for Businesses Offering Retirement Plans
Offering retirement plans is not only beneficial for your employees but also for your business as a whole. A comprehensive retirement benefits package can help you gain a competitive edge in attracting and retaining top talent, improve employee morale and productivity, and enjoy tax advantages that can positively impact your bottom line.
Some of the key takeaways for why offering retirement plans and other financial resources to employees can benefit your business include:
Attracting and Retaining Talent
The job market is very competitive. A robust retirement benefits package can make all the difference in attracting and retaining high-quality employees. Top talent often seeks employers who demonstrate a commitment to their long-term financial well-being, and offering comprehensive retirement plans and resources can help you stand out from competitors who may not provide such benefits. By partnering with reputable financial institutions to offer a strong retirement plan, you can improve your ability to recruit and retain the best employees, ultimately contributing to your company’s success.
Boosting Employee Morale and Productivity
Employees who feel valued and supported by their employer are more likely to be engaged, motivated, and productive. Offering retirement resources demonstrates that you care about your employees’ future and are invested in their long-term financial security. This can lead to increased job satisfaction, higher morale, and improved productivity as employees feel more connected to your company’s mission and values. When employees know their employer is helping them prepare for retirement, they are more likely to be committed to their work and loyal to the company.
Tax Benefits for the Company
Offering retirement plans can also provide significant tax advantages for your business. Contributions made to employee retirement accounts are typically tax-deductible, reducing your company’s taxable income. Offering retirement plans can also help you qualify for tax credits, such as the Small Employer Pension Plan Startup Cost Credit, which can offset the costs of setting up and administering a retirement plan. These tax benefits can help improve your company’s bottom line while providing valuable benefits to your employees.
Improved Financial Well-Being of Employees
Employees with access to retirement savings plans and financial education are better equipped to manage their personal finances, reduce credit card debt, and minimize the need for borrowing money at high interest rates. This can lead to a more financially stable workforce, as employees are less likely to experience financial stress that can negatively impact their work performance and overall well-being. And, by helping employees save for retirement, you can reduce their reliance on social security benefits alone, ensuring a more secure financial future.
Reduced Financial Stress and Absenteeism
Financial stress can take a significant toll on employees, leading to increased absenteeism, decreased productivity, and even health issues. By offering retirement plans and promoting financial literacy, you can help alleviate this stress and improve your employees’ overall well-being. When employees have a clear path to financial security and know they are not solely dependent on social security benefits in retirement, they are less likely to miss work due to financial concerns and more likely to be fully engaged and productive on the job.
Enhanced Company Reputation and Employee Loyalty
Offering a comprehensive retirement benefits package can help enhance your company’s reputation as an employer that values its workforce. This can lead to increased employee loyalty, as workers are more likely to stay with a company that invests in their long-term financial well-being. A strong reputation as an employer that cares about its employees can help attract new talent and customers, as consumers increasingly prioritize doing business with socially responsible companies.
This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/
Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/services/business-owners/
Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/services/401k-maximizer/
Schedule your free Financial Readiness Consultation: (link)
More from Colby: (link to what you post on most)
More from Justin: (link to what you post on most))
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Sign up for the Quiver financial newsletter and never miss out! (link)
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Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: (Link)
#quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Monday Apr 08, 2024
The 401(k) Trick High-Income Earners Need to Know
Monday Apr 08, 2024
Monday Apr 08, 2024
A 401(k) is one of the easiest and most popular ways people save for retirement.
But, considering the cap on annual contributions, high-income earners might feel they’re not truly maximizing their 401(k)’s potential.
But I’m here with good news: there’s a relatively simple trick high-income earners can use to contribute to their plan beyond the annual 401(k) limits. And we’re here to tell you all about it!
So, let’s examine how 401(k) contributions work and how you can exceed the annual pre-tax contribution limits!
401(k) Contributions: The Basics
At its core, a 401(k) plan allows employees to save and invest a portion of their paycheck before taxes are taken out. The limits for these contributions go up each year. In 2024, the limits are set at $23,000 for individuals under 50.
Contributions to your 401(k) account are made on a pre-tax basis. This means that contributions can reduce your taxable income for the year and can grow tax-free until you withdraw them in retirement.
The Importance of Maximizing Your 401(k)
Maximizing your 401(k) contributions is vital for securing a comfortable retirement. By contributing the maximum amount allowed, you take advantage of pre-tax 401(k) contributions, directly reducing your taxable income for the year. Your savings can then grow tax-deferred, compounding over time without the drag of taxes on its growth. This strategy is a cornerstone of savvy retirement planning, offering immediate tax relief and long-term financial benefits.
The bottom line is that by maximizing your 401(k), including any available catch-up contributions if you’re 50 or older, you’re setting the stage for a retirement where your savings work as hard as you did.
Simply put, contributing as much as possible to your 401(k) is a critical move for anyone serious about building a secure financial future, taking advantage of tax benefits, and ensuring their retirement savings are robust enough to support their desired lifestyle in later years.
The 401(k) Trick High-Income Earners Need to Know
Given the contribution limits, it might seem like the capacity to grow one’s retirement savings is capped. However, a lesser-known strategy can help maximize a high-income earner’s 401k plan: post-tax 401(k) contributions.
This strategy hinges on the overall limit for 401(k) contributions, which in 2024 includes your pre-tax contributions and/or contributions to a Roth plan, employer matches, and any post-tax contributions. This extensive combination of contributions is capped at $69,000 for most employees or $76,500 for those 50 and older with catch-up contributions.
High earners whose income allows them to match these limits can use this opportunity to significantly boost their retirement savings beyond the standard pre-tax contribution cap. If you’ve already maxed out your pre-tax contributions, you can still contribute up to the overall limit with post-tax money.
Unlike traditional pre-tax contributions, which reduce your taxable income now, post-tax contributions are made with money that has already been taxed. The real advantage here is that when you withdraw them in retirement, you only owe taxes on the growth.
The beauty of post-tax contributions doesn’t end there. Many 401(k) plans allow for these post-tax dollars to be converted into a Roth 401(k) or Roth IRA through a process often referred to as a “backdoor” Roth strategy. Converting these post-tax contributions to a Roth account allows the post-tax contributions, which would typically grow tax-deferred, to grow tax-free. This can help eliminate the taxes paid on growth when making post-retirement withdrawals, providing for a more tax-efficient retirement.
Incorporating post-tax 401k contributions into your retirement strategy can dramatically increase your retirement account’s potential. It’s a powerful tool for high earners to save more while maximizing tax efficiency and future financial flexibility. Understanding and utilizing this trick could be the key to unlocking a more prosperous retirement.
Not all plans allow for post-tax contributions or in-plan Roth conversions. It’s always recommended to consult with your plan provider to determine your specific plan’s rules and limits.
How the “Backdoor” Roth Strategy Works
The “backdoor” Roth strategy is a powerful approach for high-income earners to enhance their retirement savings further. This technique involves making post-tax contributions to a 401(k) and then converting those contributions into a Roth 401(k) or Roth IRA. The main benefit of this strategy lies in the tax treatment of Roth accounts: Roth 401(k) contributions grow tax-free, and withdrawals made in retirement are not subject to income tax. This has particular advantages for those who expect to be in a higher tax bracket in retirement or want to minimize required minimum distributions (RMDs), as Roth IRAs do not have RMDs during the account owner’s lifetime.
To utilize this strategy, you first contribute post-tax dollars to your 401(k) up to the allowed limit. Then, if your plan permits, you convert those contributions to a Roth account within the same plan or roll them over to a Roth IRA. This process effectively bypasses the income limits that would otherwise prevent high earners from directly contributing to a Roth IRA.
By leveraging the backdoor Roth strategy, high-income earners can significantly boost their retirement savings. This ensures their investments grow tax-free and remain accessible tax-free in retirement, providing a clear path to a more secure and flexible financial future.
It’s important to note that this conversion strategy can involve complex and nuanced tax considerations. Because of that, it’s recommended to consult with a financial advisor or tax professional before utilizing this strategy.
Other Ways to Further Maximize Your Retirement
Beyond the strategic use of 401(k) contributions, several other methods exist for maximizing retirement savings.
Utilizing these methods together with your 401(k) strategy can provide a well-rounded approach to retirement savings, offering flexibility, tax advantages, and the potential for increased growth. By diversifying your retirement planning efforts across these various avenues, you can build a robust financial foundation for your future.
Some of the most popular methods for maximizing your retirement include:
Catch-Up Contributions: For those aged 50 and older, catch-up contributions allow you to contribute beyond the standard 401(k) limits, offering an excellent way to boost your retirement savings later in your career.
Employer Match: Some places of business offer to make their own employer contributions to match a portion of contributions employees make to their 401(k) plan, typically up to a certain percentage of the employee’s salary. Contributing enough to your 401(k) to receive the full employer match is crucial, as these employer contributions represent essentially free money that can significantly bolster your retirement fund.
Income Limits and Employee Contributions: Be aware of the income limits for different types of contributions, such as to a traditional IRA or Roth IRA, and plan your contributions accordingly to maximize tax benefits.
Health Savings Accounts (HSAs): HSAs are a tax-efficient way to save for healthcare expenses in retirement. Contributions are tax-deductible, the money grows tax-free, and withdrawals for qualified medical expenses are also tax-free.
This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/
Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/services/business-owners/
Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/services/401k-maximizer/
Schedule your free Financial Readiness Consultation: (link)
More from Colby: (link to what you post on most)
More from Justin: (link to what you post on most))
More from Patrick: https://www.linkedin.com/in/patrickmorehead-quiverfinancial/
Sign up for the Quiver financial newsletter and never miss out! (link)
(Time stamps)
👕 Check out Quiver Financial merch and shop at: (coming soon)
🎙️ Listen to our Podcast:
Quiver Financial News: https://podcast.quiverfinancial.com/
Spotify: https://open.spotify.com/show/0RTkRZ21iBQ5OkyNr1nDAv
The Half Truth: https://www.youtube.com/playlist?list=PLrarG4_5miXu35X28JFN_LL1BM-nVlUM4
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Linkedin: https://www.linkedin.com/company/quiver-financial/mycompany/
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Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: (Link)
#quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Friday Apr 05, 2024
Friday Apr 05, 2024
This week we tackle the world and discuss housing prices, The new rule that demolishes the 6% selling commission to realtors, Why the Federal Reserve is in Uncharted waters and How more lunatics think we should be going to a 4 day work week and the effects that will have on our unemployment numbers. Enjoy!
https://finance.yahoo.com/video/housing-market-playing-big-role-144046599.html
https://www.cnbc.com/2024/04/04/barry-diller-thinks-companies-will-move-to-a-standard-of-four-days-in-office-with-friday-flexible.html
https://www.urban.org/urban-wire/changing-real-estate-agent-fees-will-help-all-buyers-and-sellers-will-help-some-more
https://www.cnn.com/2024/03/15/economy/nar-realtor-commissions-settlement/index.html
https://finance.yahoo.com/news/why-the-fed-is-wading-into-uncharted-waters-morning-brief-100027194.html
https://www.quiverfinancial.com/
This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/
Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/services/business-owners/
Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/services/401k-maximizer/
Schedule your free Financial Readiness Consultation: (link)
More from Colby: (link to what you post on most)
More from Justin: (link to what you post on most))
More from Patrick: https://www.linkedin.com/in/patrickmorehead-quiverfinancial/
Sign up for the Quiver financial newsletter and never miss out! (link)
🎙️ Listen to our Podcast:
Quiver Financial News: https://podcast.quiverfinancial.com/
Spotify: https://open.spotify.com/show/0RTkRZ21iBQ5OkyNr1nDAv
The Half Truth: https://www.youtube.com/playlist?list=PLrarG4_5miXu35X28JFN_LL1BM-nVlUM4
Instagram: (link)
Facebook: https://www.facebook.com/quiverfinancial
Linkedin: https://www.linkedin.com/company/quiver-financial/mycompany/
Twitter: (link)
Links to Articles discussed in our video: (link)
Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: (Link)
#quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Monday Apr 01, 2024
How High Net Worth Families Can Prepare for Increasing Estate Taxes
Monday Apr 01, 2024
Monday Apr 01, 2024
2026 is still a few years away. Even so, high-net-worth families face a pivotal change in their financial planning landscape due to a scheduled federal estate tax sunset. This term refers to the expiration of the temporary provisions introduced by the Tax Cuts and Jobs Act (TCJA) in 2017, which significantly increased the estate tax exemptions.
Currently, these exemptions allow individuals and married couples to leave behind substantial assets without incurring federal estate taxes. However, with the sunset clause set to reduce these exemption levels in 2026, families need to reassess their estate planning strategies to prepare for potential increases in their tax liabilities.
So, let’s dive into the TCJA, some common estate tax exemptions, and strategies high-net-worth families can use to prepare as we head into the (tax exemption) sunset.
The TCJA
The Tax Cuts and Jobs Act played a critical role in shaping the current estate tax framework. By doubling the exemption amounts for estate and gift taxes, the Act provided a temporary reprieve, enabling high-net-worth families to transfer more wealth tax-free.
For example, the exemption for married couples was elevated to approximately $25.84 million, adjusted for inflation, allowing substantial assets to be passed on without triggering federal estate taxes.
This significant shift not only offers immediate benefits but also underscores the importance of proactive planning before the 2026 adjustments, ensuring that families can navigate the impending changes with minimal financial disruption. After the sunset, these exemptions could drop significantly—as low as $7 million for individuals and $14 million for married couples.
Estate Tax Exemptions for High Net-Worth Families
With the 2026 changes on the horizon, high-net-worth families must pay particular attention to estate tax exemptions. These exemptions are pivotal in safeguarding portions of an estate from federal taxes at the owner’s death.
Gift tax exemptions also play a vital role, permitting the tax-free transfer of wealth during an individual’s lifetime up to certain limits. These mechanisms are indispensable in estate planning, aiming to reduce tax burdens and conserve wealth for succeeding generations.
The impending adjustments require a strategic review, especially for married couples, to ensure their wealth transfer remains as tax-efficient as possible. Here’s a breakdown of key exemptions and their significance, including those subject to rollback in 2026:
Estate Tax Exemption: This exemption protects a set amount of an estate’s value from federal estate taxes. Currently, this exemption is at historically high levels but is slated to decrease significantly in 2026.
Gift Tax Exemption: This allows individuals to give a certain amount annually to others without incurring a gift tax, with a lifetime limit that mirrors the estate tax exemption.
Marital Deduction: This deduction allows unlimited tax-free transfers between spouses, a critical tool for married couples in estate planning that remains unaffected by the 2026 changes.
Gift and Estate Tax Strategies Before the Changes Take Effect
As we approach the 2026 estate tax adjustments, high-net-worth families must closely examine and adjust their estate and gift tax strategies. The focus here is understanding how to leverage estate and gift tax exemptions effectively.
These methods not only capitalize on the current favorable exemption levels but also prepare families for the reduction in exemption amounts anticipated post-2026. By implementing these strategies, families can efficiently manage their estates, ensure a tax-effective wealth transfer, and secure their financial legacy against future changes.
This approach highlights the importance of proactive estate management. It’s not just about dealing with today’s tax environment but also about setting up future generations for success under the most advantageous terms possible.
Key strategies include:
Establishing Trusts: Creating trusts can help maximize exemptions by allocating assets to minimize the taxable estate.
Strategic Lifetime Gifts: Utilizing gift tax exemptions to transfer wealth during one’s lifetime reduces the estate’s overall taxable value.
Inflation Adjustments: Taking advantage of the adjustments for inflation on gift tax exemptions to increase tax-free transfers over time.
Leveraging Wealth Management for Estate Planning
Navigating estate planning necessitates a strategic partnership with wealth management professionals, especially for high-net-worth families.
Wealth advisors offer crucial insights into integrating comprehensive financial planning strategies, including tax mitigation, investment oversight, and legal frameworks, to safeguard and enhance family assets across generations. This integrated approach ensures that estate planning is not viewed in isolation but as a part of a broader financial strategy, aligning with the family’s overarching financial objectives to optimize tax efficiency and preserve wealth.
Minimizing tax liabilities is a focal point in estate planning for high-net-worth families, where wealth advisors play a key role. They can help devise and implement strategies such as tactical charitable contributions, strategic life insurance planning, and establishing specialized trusts or family limited partnerships.
These methods shield the estate from excessive taxation while ensuring the continuity of the family’s wealth legacy. Through these targeted strategies, wealth advisors are instrumental in guiding families through the complexities of estate taxation, facilitating a seamless and effective wealth transfer process that honors the family’s financial and legacy goals.
Real Estate Planning and Estate Tax
Real estate, often a significant portion of an estate’s value, requires careful planning to ensure it contributes positively to the estate’s overall tax efficiency. By incorporating real estate into comprehensive estate planning, families can navigate the potential tax implications more effectively, leveraging these assets to enhance the estate’s financial health while minimizing tax liabilities.
Techniques for including real estate efficiently in estate planning include:
Establishing a Real Estate Holding Company: This approach allows for the centralized management of real estate assets, potentially offering tax advantages and simplifying the transfer of these assets to heirs.
Utilizing a Grantor Retained Annuity Trust (GRAT): This method involves transferring real estate into a trust while the grantor receives an annuity payment for a period. After the term, the remaining assets pass to the beneficiaries, potentially reducing gift taxes.
Implementing a Qualified Personal Residence Trust (QPRT): This strategy can be used for a personal residence, transferring the home to a trust for a specified term, reducing its value for estate tax purposes upon transfer to the beneficiaries.
Preparing for Post-2026 Estate Planning
As the federal estate tax sunset of 2026 approaches, high-net-worth families must look beyond immediate changes and anticipate the evolving landscape of estate and income tax planning. This forward-looking approach is essential to ensure that families remain well-positioned to protect their wealth and navigate future tax environments effectively.
Key ongoing strategies include:
Flexibility in Estate Planning Documents: Estate planning documents, such as wills and trusts, must be designed to accommodate changes in tax laws, allowing for adjustments without necessitating complete overhauls.
Diversification of Assets: Beyond real estate, diversifying investments across different asset classes can provide a buffer against the impact of changes in both estate and income tax rates.
Lifetime Gifting Strategies: Continuing to leverage gift tax exemptions and annual gifting allowances to reduce the taxable estate, mindful of potential shifts in exemption thresholds.
Utilization of Tax-Advantaged Accounts: Maximizing contributions to tax-advantaged retirement accounts to reduce income tax liabilities and plan for wealth transfer.
Tuesday Mar 26, 2024
Oil Markets 2024 Will Oil Prices Get Weaponized
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
Last but not least, we ended on a conversation about Oil prices in 2024 and whether they will get weaponized by Suadi, Russia, China, etc as we head into the election and how this could play into why The Fed may not be able to lower rates later this year. The conversation is a must see if you are curious about investment opportunities from rising Oil prices.
Will Oil prices become weaponized in 2024, preventing The Federal Reserve from lowering interest rates by June? This brief video from the Quiver Financial Market Update event at the end of March 2024 discusses how this may impact financial markets and what opportunities may exist for your portfolio. You can watch the full video at • Financial Markets Update for Stocks, ... (Video Description) https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast: Quiver Financial News: https://podcast.quiverfinancial.com/ Spotify: https://open.spotify.com/show/0RTkRZ2... The Half Truth: Click Here Facebook: / quiverfinancial Linkedin: / mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Tuesday Mar 26, 2024
Gold Markets In 2024 How High Can They Go
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
We finished up the Market Update Livestream with a conversation about the recent breakout higher and all-time high prices in Gold and how this trend may continue to play out in 2024. If you have been wondering about Gold and whether it’s worth your attention, you can watch what we are seeing in Gold markets
Gold prices have recently broken higher to new all-time highs. How high can Gold prices climb in 2024? We discuss Gold prices and how to take advantage of some price dislocations in the market between Gold and Gold Miners in this brief video. You can watch the full video at • Financial Markets Update for Stocks, ... (Video Description) https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast: Quiver Financial News: https://podcast.quiverfinancial.com/ Spotify: https://open.spotify.com/show/0RTkRZ2... The Half Truth: Click Here Facebook: / quiverfinancial Linkedin: / mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Tuesday Mar 26, 2024
Stock Market Update 2024: New Bull Market or Crash Ahead
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
After we literally beat the interest rate conversation into the ground, we moved on to discussing stock markets and two (2) patterns, one bullish and one bearish, that may be developing in equity markets.
We shared the chart patterns we are watching and discussed what adjustments we have made in the first part of 2024 to our account allocations to increase our exposure to dividends and yield within our accounts.
We also highlighted a few sectors we see as being undervalued and give a word of caution to getting to aggressive due to a couple parts of the market like High Yield Bonds and Small Cap Stocks that have continued to raise some concern about how strong the legs under the Bull market thesis may be.
Are you concerned about how the stock market in 2024, the election year, may influence your investment and retirement portfolio? Watch what we are seeing in stock markets and consider how you may be able to protect your portfolio and find investment opportunities in 2024. You can watch the full video at • Financial Markets Update for Stocks, ... (Video Description) https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast: Quiver Financial News: https://podcast.quiverfinancial.com/ Spotify: https://open.spotify.com/show/0RTkRZ2... The Half Truth: Click Here Facebook: / quiverfinancial Linkedin: / mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Tuesday Mar 26, 2024
Why The Fed May Not Be Able To Lower Rates In 2024 - Interest Rate Update
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
If you are concerned about how difficult it may be to create income without losing principle in a rising interest rate environment it’s a good watch. You can view “Why The Fed May Not Be Able To Lower Rates”
Hear what we are watching for in interest rates that could surprise investors and what you can do to protect your investment portfolio as we discuss how demographic trends may prevent The Federal Reserve from lowering interest rates in 2024. Are you concerned about how interest rates may influence your investment portfolio in 2024? You can watch the full video at • Financial Markets Update for Stocks, ... (Video Description) https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast: Quiver Financial News: https://podcast.quiverfinancial.com/ Spotify: https://open.spotify.com/show/0RTkRZ2... The Half Truth: Click Here Facebook: / quiverfinancial Linkedin: / mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Tuesday Mar 26, 2024
2024 Interest Rate Update: Higher for longer or lower later in the year
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
If you are concerned about how rising interest rates may affect your portfolio, you’ll want to watch the entire section that discusses Interest Rates and what we are watching for.
We wrapped up the interest rate conversation on a solid question from Justin about the possibility that interest rates may have made a historical shift in 2021 from lower for decades to higher for longer, and what that may mean for markets and potential investment portfolio performance as we move forward the next 3 to 5 years.
Are you concerned about how interest rates may influence your investment portfolio in 2024? Hear what we are watching for in the Ten Year Treasury that could surprise investors in 2024 and what you can do to protect your investment portfolio. You can watch the full video at • Financial Markets Update for Stocks, ... (Video Description) https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast: Quiver Financial News: https://podcast.quiverfinancial.com/ Spotify: https://open.spotify.com/show/0RTkRZ2... The Half Truth: Click Here Facebook: / quiverfinancial Linkedin: / mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives
Tuesday Mar 26, 2024
March 2024 Quiver Financial Market Update: Everything We Discussed
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
Are you curious to know more about the direction of interest rates, stocks, gold, and oil and how your portfolio may be affected? In this brief promo clip, hear about everything we discussed in the Quiver Financial Market Update for March 2024.
We started the March 2024 Market Update Livestream with a discussion on how stock markets have seemingly become obsessed on the thought that The Federal Reserve will be lowering rates by June of 2024. We posed the questions about what happens to stock and bond markets if this obsession proves to be wrong. The conversation covers demographic trends, as well as questions like, what if Commercial Real Estate crashes, and of course the conversation leads to the charts and what chart patterns we may be looking for in the future to help us decide how our account allocations may need to be adjusted to optimize these changing tides.
You can watch the full video at
• Financial Markets Update for Stocks, ...
https://www.quiverfinancial.com/ This episode is brought to you by (Quiver High Yield Savings, Offering industry leading yields on your cash with over 800 partner banks and FDIC insured up to $25 Million.) To learn more, visit: https://quiver.advisor.cash/ Are you a Business Owner? Check out our helpful tips: https://www.quiverfinancial.com/servi... Want to learn how to Optimize your 401k?: https://www.quiverfinancial.com/servi... Schedule your free Financial Readiness Consultation: www.quiverfinancial.com Sign up for the Quiver financial newsletter and never miss out! www.quiverfinancial.com/newsletter 🎙️ Listen to our Podcast:Quiver Financial News: https://podcast.quiverfinancial.com/Spotify: https://open.spotify.com/show/0RTkRZ2...The Half Truth: Click Here Facebook:
/ quiverfinancial Linkedin:
/ mycompany Twitter: @quivertweets Obviously, nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: www.quiverfinancial.com #quiverfinancial #investing #stockmarket #dollar #gold #interest #oil #money #alternatives