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What to do when things get choppy

“What to do when things get choppy” “Rock the boat, don’t rock the boat baby”- The Hues Corporation When sailing from one destination to another there will be times when unfavorable weather will arise. Think of taking a cruise on the Atlantic Ocean, or even a boat ride through Lake Erie. An image that may come to mind is an evening cruise where the water was so still that the vessel seamlessly sailed through the night. Another image that may come to mind is one that I have in particular: on a channel off the coast of Ireland, where the ferry that I was on got caught in a storm. The captain...

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Asset Allocation and Market Recoveries

Asset Allocation and Market Recoveries      Asset Allocation Dilemma Money managers and individual investors have the dilemma of creating a proper asset allocation.  The decisions involve assigning weights to equities, bonds, cash, and alternative strategies or asset classes to provide the best risk-adjusted return to match an investor’s goals and their risk tolerance.  Think about the following scenario: You are forced to invest all of your accounts for 20 years and are not able to look at or rebalance the portfolio.  How would you invest this account?  Based on historical performance and...

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Financial Opportunities

Financial Opportunities As we continue to manage your investments during the current pandemic it is important to keep a focus on the 3 L’s that we use to help you build your goals. Reviewing the Lifestyle that you want to live, now and into the future, the Loved Ones that you want to support, and the Legacy that you want to leave behind, means that we need to augment our actions on a regular basis, especially through changes in the market. In order to optimize the path toward achieving your goals, there are a few potential ideas to consider that may help position you in a more optimal way as...

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Global Asset Allocation Views – Q2 2020

Global Asset Allocation Views – Q2 2020 “It’s never paid to bet against America.  We come through things, but it’s not always a smooth ride.” Warren Buffet We enter the second quarter of 2020 amid our first bear market since the Great Financial Crisis of 2008.  We are also under stay-at-home orders from Governor DeWine during this coronavirus pandemic and I hope each of you remains safe during these challenging times. As Warren Buffet alluded to in his quote, the ride may be bumpy but American ingenuity will get us through these times as it has done many times over the past 200+ years. ...

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CARES Act for Retirement Plan Sponsors

CARES Act for Retirement Plan Sponsors In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act.  Below is a summary of the impact on a company that provides retirement benefits to their employees. There are additional benefits for employers and employees to look into as well: Up to $100,000 Hardship distributions are allowed for individuals pre-age 59 ½  affected by COVID-19 with no 10% penalty and no 20% mandatory withholding. Individuals (spouses or Dependents) must be diagnosed with Sars-CoV2 or Covid-19 by a...

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FFCRA & CARES Act for Businesses

FFCRA & CARES Act for Businesses In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act.  Below is a summary of the impact on Small Businesses. There are additional benefits for Retirement Plans and individual you may want to look in to, see our other blogs for those highlights as well.   1) Emergency and sick leave a) Must have less than 500 Employees b) Tax credits for refunding costs pertaining to business function 2) Emergency pay: a) Scaling pay weeks 3 -12 3) Sick leave: a) 80 hours or 2 weeks...

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