The Capital Stewards Podcast: Recent Episodes
Brian Seay, CFA Investment Pro, Business Leader, Financial Advisor
Description: Are you a business or government leader who wants straightforward, trustworthy financial guidance that you can act on? Do you find yourself asking: -> How do I invest? -> How do I reduce taxes? -> What financial information can I trust? -> I have a ton of education… so why is managing my money still SO confusing? …or maybe even the biggest question of them all: Am I making smart financial decisions today? Are there things I should be doing with my money that I’m not doing? [insert cringing emoji]
We get it!
Knowing how to manage your money during your highest-earning years is HARD. It can feel like you need to go back to school and get a degree in personal finance in addition to everything else on your plate.
If this is you, then you’re in the right place. Whether you’re a business leader, government leader or an engineer or developer, this is the show for you.
On this podcast, we’re going to cover the three things you need know to make smart financial decisions: 1) Financial acumen (think of this as the 101 AND the 102 course on your money) 2) The right money mindset, which leads to smarter decisions 3) Current financial and market news you need to know and act on
Hi, I’m Brian and helping you make smart financial decisions is my passion. I started my career more than a decade ago serving wealthy families and non-profits at one of the largest asset managers in the world. Along the way, I earned an MBA from Emory University, earned the Chartered Financial Analyst (CFA) designation and became an investor myself. I started Capital Stewards to help professionals become successful investors and live life fully. Most importantly, I’m still married to my college sweetheart and we have three amazing kids.
I want you to know that you CAN make smart financial decisions without spending every minute of your free time researching on the internet. You might even just find that your drive to work (or your daily walk around the neighborhood) got more valuable while you listen. We’re here for you.
Links: Want to Talk Live? -＞https://www.thecapitalstewards.com/contact Learn More About Us -＞ https://www.thecapitalstewards.com/aboutus Still Reading Old School Blogs -> https://www.thecapitalstewards.com/learn
There are a lot of questions on the minds of investors. Usually after a big market gains like we experienced over the summer, everyone is happy and thinks things are going great. But I hear a lot of concerns from folks on a regular basis this time around. I think that’s warranted because we are living in a world with two different economies running simultaneously. One is in a recession. The other is partying like it’s 1999. How we invest wisely based on what’s really happening is going to be very important over the next few months and into 2026.
In this outlook, we’re going to talk about the gains we have seen so far this year and whether we are in a market bubble. I’m also going to help you resolve the difference between your feelings about the economy and what you are seeing in your portfolio – because what you feel may not be what you’re experiencing in your investments. As always, I will share my views on the stock market, interest rates, the Fed, inflation, real estate and other assets like Gold.
Would you like to connect?
https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Today we’re diving deep into one of the most important—and often misunderstood—pillars of retirement planning: Social Security.
Whether you’re a few years from retirement or already mapping out your retirement income strategy, understanding how Social Security works—and how to optimize it—can make a six-figure difference over your lifetime. We’ll cover everything from when to claim to spousal benefits to tax implications. So Lets Dive in.
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed
Are we in a stock market bubble? The market certainly “feels” overvalued relative to our experiences in the economy day in and day out. The phrase "stock market bubble" is in the media a lot and many of our clients and friends have asked me the magic question – are we in a stock market bubble? Is this irrational exuberance or is it rational growth? So on this episode we will talk about where things stand relative to past bubbles, and I’ll answer the questions no one seems to want to answer on the record – are we in a bubble?
Have Questions? Want to Talk?
https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
It’s back-to-school time at our house so this episode is all about education planning and paying for college. I hear so many question about college planning:
How do I guide my kids to choose the right school? Or no school at all? Is college worth it?
How do I save money for college? How should I pay for college once they enroll in their dream school?
In this episode I cover the framework you should consider using to make smart choices about college. Then we dive into tax smart college savings strategies and the nuts and bolts of paying for college. Plus, in 2025, there are a lot of changes for education funding, 529s, and student loans in the One Big Beautiful Bill. So it’s a great time to make an education plan or reevaluate your existing financial plan for education.
Have questions or want to connect to discuss?
https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
It’s all about the One Big Beautiful Bill on this episode of the Capital Stewards Podcast. Some would say it’s the hugest, most beautiful bill ever. Well, we will talk about that. Will it be good for the economy? What about the deficit? Is it $4 Trillion in deficit spending or something less? In the second half of the episode, I’ll cover what the Big Beautiful Bill means for your taxes and what tax planning steps you should be thinking about before we head into 2026.
© 2025 Capital Stewards, LLC. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Welcome to our mid-year outlook on the economy and investment markets. We will talk about tariffs, the conflict in the middle east, whether or not we see a recession brewing, the “big beautiful tax bill” and of course the outlook for stocks, bonds, gold, real estate and other investment assets.
01:38 - What's Happened So Far This Year
04:37 - U.S. Economic Outlook
11:47 - Tariff War Outcomes
17:21 - Iran - Israel Conflict
19:09 - One Big Beautiful Bill's Economic Impact
27:00 - Stock Market Outlook
31:00 - Interest Rates and Bond Outlook
36:00 - Gold Outlook
37:20 - Housing Market and Conclusions
Connect with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Trump’s trade policy has been sort of like a summer road trip. We started off at home in April, ventured to an unknown and uncertain land, and now we have returned home, at least mostly. I wanted to share a few thoughts on the economy and markets since our last update happened right on the heels of “liberation day” and we have now journeyed quite a ways in a short period of time.
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Market volatility and drops make us want to close our eyes and stop watching our portfolios. Challenging markets are not the time to run away and hide. It’s time to go on offense to save future taxes, transfer assets and get ready to take advantage of the next market cycle.
In this episode I’m going to cover 5 things you should be thinking about now so that you can be prepared to take advantage of market declines as we go through the rest of 2025.
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Investors have lots of questions on their minds. Most importantly, everyone wants to know what the impact of Trump’s proposed Tariffs are to the economy and to investment portfolios. In this episode, we will talk about what I see as the two potential paths forward for the economy and markets based on what we know about tariffs to-date and what those paths mean for your investments.
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
ROTH Conversion are a common question we address with clients. Here is my guide to ROTH conversions. I discuss:
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Why you should consider a ROTH Conversion?
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Potential Tax Savings
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Why someone should NOT do a ROTH Conversion
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ROTH Conversion Drawback and Limitations
Questions? Start A Conversation with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
You are likely to experience significant investment losses. If you are under 40, you will probably experience that kind of significant loss more than once. If you are older, you have likely already experienced it.
There are a multitude of risks today. Inflation, geopolitics, technology disruption, high valuations, population and immigration changes and the list goes on.
So how do we think about risk as investors? In this episode I wanted to talk about real risk – what that is, how we measure it and most importantly what we do about it with clients.
Start A Conversation with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
The Super Bowl is over which means its tax time on the Capital Stewards Podcast. How can you reduce your 2024 taxes? How can you reduce your taxes long-term? Do you pay your fair share of taxes? All of this and more in this annual tax guide episode.
(0:00) Intro and Super Bowl Ad Discussion
(2:40) “Turning the Dial” on smaller opportunities to reduce your 2024 taxes
(10:00) “Moving the Needle” on larger, long-term tax planning strategies
(17:00) And lastly, because the Trump tax cuts expire at year end, my view on tax policy and potential changes, including your “fair share” of the tax burden!
Links to Superbowl Ads from Intro:
Three Bears: https://www.youtube.com/watch?v=LS_0ojDfysA
Budweiser First Delivery: https://www.youtube.com/watch?v=K0iKgJXy_gk
Bud Light Cul-Da-Sac Party: https://www.youtube.com/watch?v=x7qbswwBCDo
Hellimans Mayo "The Spot": https://www.youtube.com/watch?v=RIXB-7RHjBY
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
One week into the new administration and we have already seen a flurry of executive orders and other actions that will impact your taxes, the economy and your investments. Think of this episode as a primer for Trump 2.0 and your money. We’ll talk about the recent executive orders, tariffs and taxes.
Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Is inflation on the rise again? According to the Federal Reserve it may be.
Will we have a recession in 2025….or ever?
Are stocks overvalued after 2 years of strong returns?
Will the largest technology stocks just keep rolling or is it time for other areas of the market to play a bigger role?
What about bonds? Why bother with bonds if they have such low returns?
These are just a few of the questions investors are asking as we head into 2025. In Capital Stewards's Economic and Investment Outlook for 2025, I share my views in detail and back it all up with lots of charts and illustrations.
Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
This time of year is "outlook season" for Wall Street. Investors and analysts are publishing their S&P 500 and economic outlooks for next year. But were they right about this year? Are market forecasts useful for investors?
Well, I kept the receipts! In this episode I look back at a few from last year (including my own) and see how they turned out.
Understanding how difficult it is to predict the market has significant implications for how investors should build portfolios. I also discuss how to invest if you can't be right about the future all the time.
Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
This episode covers common myths and misconceptions about alternatives. What are alternative investments? Are private – or alternative – assets just for the ultra-wealthy? What is (or is not) the secret sauce of private managers that drives the high returns you see in the media? How should you think about private assets in your portfolio?
1:54 - Myth 1 - Private Assets are only for the very wealthy and not for me.
2:32 - Myth 2 - New fund structure innovations mean that I don’t really have to give up access to my cash for 8-10 years.
4:25 - Myth 3 - Private managers have a secret and that allows them to drive special, secret returns that everyone must access!
7:32 - Myth 4 - Private Equity Funds borrow and lay-off lots of workers. They are just corporate raiders.
9:35 - Myth 5 - Private Debt has grown too fast and is the next Financial Crisis waiting to happen.
13:34 - Myth 6 - Some real estate developers and owners are struggling, now is a great time to try to get a deal by investing in a privately held REIT or fund.
15:59 - Myth 7 - All alternatives are designed to provide higher returns than public securities.
17:22 - Myth 8 - Alternatives are all the rage, so the fund I’m being sold should work out ok.
18:38 - Myth 9 - All private fund managers are created the same.
Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Year-end is upon us. The time to plan reduce your 2024 taxes and get your financial house in order is now, not after we turn the calendar page to 2025 and you can no longer act! Here is our year-end financial planning tips checklist with items that you should consider before the end of the year.
1:40 - Election Recap and Implications for Investors
3:19 - Retirement Account Planning and Contributions for IRAs and 401ks
5:12 - How to Reduce Taxes on Required Minimum Distributions (RMDs)
5:46 - ROTH Conversions
6:57 - Flex Spending Accounts (FSAs)
8:04 - Health Savings Accounts (HSAs)
9:41 - Mutual Fund Distributions / "Phantom" Distributions
11:28 - Tax Loss Harvesting
12:28 - Income Planning
14:19 - Charitable Giving Strategies
Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Will the market keep charging forward or are we on the brink of a recession? Soft landings are just that, slower, softer economic activity. They don’t feel great. What about the Mag 7 technology stocks, will they continue to lead the way forward? Will a Trump victory ignite more inflation and cause interest rates to rise? I cover all of this and more in our Outlook for the 4th Quarter.
Topics:
0:00 - Intro
2:11 - What’s Happened in Markets So Far This Year?
5:45 - Jobs Market
13:49 - Inflation
16:10 - What’s Happening in Real Life with Companies
18:44 - Stock Market Outlook - Mag 7 vs. the 493
22:15 - International Stocks and China
24:38 - Oil and Commodities
28:00 - Long-Term Interest Rates and Bonds
35:18 - Gold
36:55 - Election Impact
39:43 - Takeaways for Investors
Watch the Video w/ Charts -> https://www.thecapitalstewards.com/learn/year-end-2024-outlook-soft-landings-are-murky
Questions? Start a Conversation with Us -> https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
IRAs, 401ks, the TSP, ROTHs.
It’s a soup of acronyms. What's the right prioritization of accounts for saving? Which account should you spend from first in Retirement?
In this episode I’m diving into the main retirement account types and how to use them. I'll cover:
1) Accumulating wealth…when you’re saving for retirement and
2) Decumulating wealth...or spending your assets in retirement.
We will talk about contributions, backdoor contributions, income limitations and common misconceptions. So if you have questions about which retirement accounts to use – you’re not alone – and this is the episode for you.
Bucket Chart Referenced In Episode
Question? Start A Conversation with Capital Stewards
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Want to go deeper than cable news on the proposed economic policies of both presidential campaigns? I evaluate policy proposals with history and data as the guide to discover which proposals may really create growth and reduce inflation in the economy. Neither Vice-President Harris nor Former President Trump lay out all good or all bad proposals. Whether you consider yourself a republican, democrat or independent, you might be surprised at the proposals from your party. Lastly, I will discuss what the proposals mean for investors.
0:00 - Intro
2:47 - What Caused Inflation / How Policy May Impact Inflation Going Forward
13:00 - Tax Plans / Tax Burden / "Fair Shares" / Corporate Taxes
30:10 - U.S. Government Spending & Revenue / Tax on Tips
36:20 - Tariffs
42:55 - Raising the Minimum Wage
46:20 - Home Prices / Incentives to Build / Handouts to Buyers
49:05 - Price "Gouging"
51:01 - Infrastructure
52:01 - Energy
53:23 - Where the Race Stands / Conclusions
https://www.thecapitalstewards.com/
Start a Conversation: https://www.thecapitalstewards.com/startconversation
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Is college worth the high cost? If my kids are going to college, how should I save and pay for college? In thie episode we dive into college planning. I cover:
2:15 - A framework to make college pay-off
9:20 - Saving for college, 529s, ROTH IRAs.
17:10 - Paying for college, strategies for asset ownership and the FAFSA
https://www.thecapitalstewards.com/startconversation
Resources:
https://ronlieber.com/books/the-price-you-pay-for-college/
https://collegereadyplan.com/
I named the firm “The Capital Stewards” for a reason. I’ve discussed stewardship in other articles and podcast episodes, but this is a concept that we all wrestle with so I wanted to lay out a framework that I hope will be helpful as you think about stewarding the resources that you have been entrusted with. Whether you believe the Bible or not, I think this episode will be helpful in understanding how to think wisely about your money.
We discuss:
1) A Biblical Framework for Money
2) Generosity & Tithing
3) Investing Wisely
4) The Importance of "Doing the Hard Work"
Learn More or Connect: https://www.thecapitalstewards.com
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
In this episode, we discuss Annuities. Are they useful financial tools or are they terrible products?
Annuities are like any other financial product, they are useful in some situations and useless in others. The real issue with annuities, like other kinds of insurance, is that they are often sold and promoted by salespeople masquerading as “financial advisors.” So in this episode we are going to shine the light on annuities. We discuss:
1:16 - Finding quality, unconflicted advice about annuities and retirement income
2:38 - Types of Anuities
4:29 - Situations when Annuities Might Be Useful
10:29 - Fixed Index Annuities (FIAs), Variable Annuities and Situations When Annuities Don't Make Sense
Learn More About Us or Reach Out: https://www.thecapitalstewards.com/
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Inflation is falling, unemployment is rising and after a strong start to the year,
economic data has turned noticeably weaker. Is a recession on the horizon? In
our outlook we will talk about inflation, the jobs market and the economy. More
importantly, we dive into what the current economic outlook means for investors
in stocks, bonds, real estate and other asset classes. So, if you are wondering
if a recession is coming, and how to invest now, this is the episode for you.
Learn More About Us: https://www.thecapitalstewards.com/
(0:00) Intro: Is a recession on the horizon?
(0:43) Long-term returns
(3:05) What’s happened in markets so far this year?
(3:55) Economic growth slowing, but not in recession
(4:10) Big misconception – inflation is causing slow down
(5:35) Magnificent 7 Stocks
(6:24) Economy slowing down
(6:55) Jobs market outlook
(8:55) Is inflation going down?
(12:35) Why is some inflation good?
(13:40) U.S. Stock Market Outlook
(17:30) Global Stock Market Outlook
(21:19) Interest Rate and Bond Market Outlook
(23:13) Real Estate Outlook
(26:18) How to Invest Now
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
As we move into political silly season, Social Security will become even more of a political hot-potato. Social Security garners lots of hot takes, not all of which are correct.
In this episode, my goal is to lay out:
- How social security works
- Where the program is likely headed and
- What that means for participants both now and in the future
Lastly, we will talk about how you should plan for social security, regardless of your income level.
Sources:
https://www.ssa.gov/oact/trsum/
https://www.cbo.gov/publication/59184
Learn More About Us: https://www.thecapitalstewards.com/
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Retirement Planning 201. We dive deep into strategies for those considering retirement in the next 5 years. This is 201 because we go much deeper into taxes, healthcare, social security and investing than the typical retirement planning article. We discuss:
0:00 Your Most Valuable Resource (Time) + Working in Retirement
5:14 How long will you live? + How much will you spend?
8:10 When to Take Social Security
11:40 IRAs vs. 401ks vs. ROTH + Reducing Taxes In Retirement
15:00 Early Retirement Healthcare + Original Medicare vs. Medicare Advantage
18:40 Investing for Retirement
https://www.thecapitalstewards.com/st...
Data Sources:
Workforce Participation: Bureau of Labor and Statistics, Employee Benefit Research Institute, Greenwald Research
Retirement Spending: J.P. Morgan Chase, “Three Retirement Spending Surprises”
Life Expectancy: American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator, http://www.longevityillustrator.org/, (accessed August 2022).
Social Security: Social Security Administration, Capital Stewards Analysis, Table shows figures assuming maximum benefit from social security, based on 2024 payout data and not adjusted for inflation.
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Sit on an Investment Committee or Nonprofit Board?
Stewarding the generous gifts of your congregation and community is a high calling but often leaders get stuck facilitating their investment committee. Investing with an organization is very different, and often more challenging, than personal investing. In this episode we discuss overcoming 5 challenges we see with organizational investors.
3:04 - Slow and Ineffective Investment Committees
9:20 - Lack of Focus on Asset Allocation
10:52 - Under-Developed Investment Policy
13:20 - High Fees and Lack of Transparency
15:00 - No Performance Tracking
More on Investing for Churches, Non-Profits and Endowments: https://www.thecapitalstewards.com/churches-non-profit-financial-advisor
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Everytime you turn on the news there is another story about the southern border or immigration. The U.S. economy continues to create more jobs than expected, largely due to "foreign born workers"
The Bible teaches that we should love foreigners and refugees. But much has been written about migrant workers stealing jobs from Americans and driving down wages. So how do we reconcile all of that?
In this episode of the podcast, we examine the data for immigration and employment in America.
0:00 Intro
2:14 Legal vs. Illegal Immigration
3:28 Immigration Facts
3:58 Impact on Economic Growth
8:19 Are Immigrants "Stealing Jobs?"
11:22 Immigration Reduces Wages
13:25 Immigration Reducing Inflation
16:01 Conclusion
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Feeling down about the economy and markets? Paying high prices at the store while watching the S&P 500 hit all-time highs?
Often, how we feel about the market and our investments doesn't jive with what's really happening. In our Q2 outlook, we look at the data to get a better picture of what's really happening in the economy and financial markets.
0:00 - Inflation Feels Different Than Reality
3:03 - What's Happened So Far This Year?
4:06 - Why Long-Term Perspective is So Important
6:00 - Job Market
8:36 - Layoffs
11:04 - Inflation
12:28 - How Are Companies Doing?
17:19 - Stock Prices and Valuation
20:46 - International Markets
24:13 - Bonds and Interest Rates
27:00 - Where Will Long-Term Interest Rates Land?
30:40 - Gold
31:54 - Conclusions & What Investors Should Consider
Start A Conversation With Us: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Wondering whether Bitcoin should be a part of your investment portfolio? In this episode we share our perspective on how to consider a crypto investment. What about the new Bitcoin ETFs, should those be a part of your investment portfolio? We discuss:
(0:00) Intro & Thesis on Bitcoin
(2:53) Blockchain & Distributed Ledger Technology vs. Cryptocurrencies
(6:35) Is Bitcoin a Currency?
(8:58) Is Bitcoin a good Inflation Hedge?
(11:37) Bitcoin as a Safety-Net
(12:53) Cryptocurrency Volatility
(13:52) New Bitcoin ETFs
(15:55) Should Bitcoing Be Part of an Investment Portfolio?
Blog Post:
https://www.thecapitalstewards.com/learn/investing-in-bitcoin
Want to Start a Conversation About Your Investments? -> https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
The superbowl is over. Taylor Swift clearly won. Its baseball season and all of that means it's time for taxes in 2024. In this episode, we cover things you can do to reduce your tax bill for 2023 and we also discuss strategies you can use for long-term tax planning.
More than 90% of filers are using the standard deduction each year. That means tax reduction isn't about a "hunt for deductions" each year, its about long-term strategies that lower your tax bill over time.
Listen to the episode for more insight on all things taxes for 2024!
Want to Start a Conversation About Your Long-Term Tax Plan -> https://www.thecapitalstewards.com/startconversation
Link to the "Dunkings" Commercial Video ->https://www.youtube.com/watch?v=Ve2miT5iF2M
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
It's hard not to notice, but we are in an election year. Did you know that the stock market does better when Democrats hold the oval office? Well... sorta...not really. There is lot's of discussion about the impact of the election on the stock market, interest rates and the economy. In this episode we will break it down and discuss the real impact elections have (or don't have) on markets. We cover:
- What impact might the election have on stock market returns in 2024?
- Does it matter if a Democrat or Republican wins the election?
- Does the stock market actually perform better during Democrat or Republican administrations?
- What economic policy ideas should we watch for when we evaluate candidates.
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Happy New Year! It's resolution time, but instead of focusing on 5 "check boxes" for a financially successful 2024, what if we took a step back to make a giant leap forward? In this short episode, I dive into a better approach for financial resolutions: aligning your life with your resources. Here are four questions to ask yourself as you kick off 2024:
- Why am I here? How am I uniquely gifted?
- How am I creating opportunities for my family to thrive and grow?
- What am I passionate about changing in my community?
- What areas of my life are well-resourced? What areas need more resources, either time, attention,or money?
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Will we have a recession in 2024? How will inflation and interest rates impact my job, my investments and the economy? Where should I consider investing in 2024? We dive into those questions and more in our latest outlook.
Topics:
(0:00) - Intro
(1:13) - Post-Covid Economic History 101
(4:29) - Normal vs. The Sugar High
(6:08) - Where are We Really on The Investment Journey?
(8:21) - Recession Debate and GDP Components
(8:55) - Job Market & Strong Consumer
(14:52) - Consumer Debt Increasing
(16:17) - Consumer Spending Over the Holidays
(18:40) - Business Investment & Activity
(22:18) - Governement Spending & Deficits
(24:12) - Inflation
(25:41) - Investment Outlook
(26:24) - Stock Market & Magnificent Seven
(32:31) - Bond Market
(35:17) - International Markets
(39:16) - Real Estate & Housing
(41:39) - Actions to Consider & Conclusion
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
TAX TIME IS NOW! Not in March of next year. Now is the time to start thinking about strategies to manage your 2023 taxes and it’s also a great time to find professional support to help prepare your tax returns. In this episode we discuss year end planning, including:
- Tax Loss Selling in Bond Portfolios
- Retirement Account Contributions, Distributions and Charitable Contributions
- ROTH Conversions
- Managing Stock Options
- Year Trust and Estate Planning
Year End 2023 Planning Tips Article: https://www.thecapitalstewards.com/learn/tips-for-2023-year-end-tax-planning
Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
The interest rate on the 10-year U.S. Treasury has risen from less than 1% in 2020 to almost 5% today. Everyone is talking about mortgage rates, but the implications of higher rates are broader than simply higher mortgage payments.
In this episode, we discuss the changes we believe investors should consider for their portfolios and financial plans in this new interest rate environment. We discuss:
- Re-thinking your investment allocation, i.e., the mix of stocks, bonds and other assets
- New wealth transfer opportunities created by higher interest rates
Read Our Article on Rising Interest Rates: https://www.thecapitalstewards.com/learn/how-5-interest-rates-may-impact-your-investments-and-financial-plan
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
In part two of our series on real estate investing we discuss our outlook for the real estate market. We cover both the residential and commerical real estate markets from the perspective of a long-term, generational investor. We discuss:
- The different types of real estate investors should consider owning
- Our outlook for residential real estate
- The profitability of current and new short-term rentals (Airbnb and VRBO) with real-time data
- Our outlook for commercial real estate
- The impact of higher rates on properties
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
One of the most anticipated recessions in U.S. history has not occured yet in 2023. Is this time different? We discuss why markets have been strong so far, and why they may slow down going forward. As always, we discuss what actions investors should consider based on what's happening in the economy and markets. We discuss:
0:00 Overview + Long-Term Perspective
6:18 Labor Market
8:20 Inflation
13:35 Manufacturing Decline Ser
14:24 Consumer Headwinds
17:30 Debt & Deficits
23:20 Are We In A Recession?
24:35 Interest Rates
27:08 Stock Market Outlook
28:45 Bond Market Outlook
30:31 International Markets (+ China)
33:01 What Should We Do Next?
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
We get tons of questions about real estate. Should I invest in real estate? How should I invest in real estate; through funds or direct property owenship? How much should I own and how do I think about real estate in the context of my total invstment portfolio. In this episode we discuss long-term real estate investing. In our next episode we will provide an outlook for real estate given today's environment. In this episode, we cover:
- The case for including real estate in your investment portfolio
- Unique tax advantages of real estate
- How much real estate you should own
- Six steps to get started investing in real estate
- REITS vs. Private Real Estate Funds vs. Direct Property Ownership
- How to scale your holdings to build a multi-generational real estate portfolio
- Transferring real estate to the next generation
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
In the third part of our series on Multi-Generational Wealth, we dive into transferring wealth to the next generation. But this is much more than boring, complex meetings with an attorney and dividing up your assets. Wealth transfer planning is a journey that occurs over many years. Effective wealth transfer should result in leaving a financial springboard for your family. That should be exciting to work on! In this episode we cover:
- Training Your family
- 529 Plans: Good for Training; Great for Wealth Transfer
- Reducing Taxes Through Estate Planning
- Charitable Foundations for Everyone / Donor Advised Funds
- How Multi-Generational Investing Differs from Retirement Investing
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Episode 2 in our 3 part series on generational wealth. We discuss one of the top concerns for families: how not to spoil your children and grandchildren. These concepts apply to everyone with kids!
Stewarding wealth, like anything else, requires training over time, not just a one-time meeting or estate planning document. In this episode we discuss how to build the next generation of great wealth stewards using 5 key principles:
- Engaging the next generation in decision making while they are kids!
- Getting involved in philanthropy together
- Involving your children in investment, tax and wealth planning discussions in their 30s (or sooner!)
- Demonstrating how your values impact business and family decision making
- Diversification is critical as you pass wealth from generation to generation
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Thinking about building generational wealth for your family? Wondering where to start...or if it's even possible? In this series of episodes we share our perspective about income, assets and wealth. You don't have to be a Rockefeller or a Youtube star to think about building a financial foundation for your family. Multigenerational wealth also doesn't mean that your kids don't need to work and you can sit around all day. Real people can build generational wealth that provides flexibility for their family and empowers generosity.
In this episode we talk about:
- Myths and Real-Life
- Assets > Income
- Debt as a Tool
- How to save and invest across generations (think diversification)
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Are we there yet? Will the recession ever arrive? In this episode we share Capital Steward's investment and economic outlook for the second half of 2023. We discuss our views on inflation, the economy, the stock market and bonds. Most importantly, we share practical advice for investors to consider.
Video version with charts: https://youtu.be/Ygd6hDPg8oc
Learn More: https://www.thecapitalstewards.com
Have investment or financial planning questions? Schedule time with a professional member of our team: https://www.thecapitalstewards.com/contact
Agenda:
0:00 Intro / The Big Picture
4:50 Labor Market / Jobs
6:35 Housing Market / Home Inflation
7:45 Inflation Outlook
9:20 Fed Policy / Interest Rates
11:35 Are We There Yet?.... Recession
17:00 Stock Market Outlook
20:50 Bond Market Outlook
22:10 International Markets
23:35 Practical Steps for Investors / Where You Can Find Help
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Are active fund managers beating passive funds in post-pandemic markets? Should you own only passive index funds? What is the best way to invest and gain exposure to stock and bond markets?
Our work suggests the majority of investment assets should be managed passively to maximize results and reduce both costs and taxes.
However, active management may be useful in a few, less mature asset classes. We lay out our perspective in this episode so that you have real data to make informed decisions.
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
We all wrestle with the concept of stewardship. Is money the root of all evil? Is it a tool to use for good purpose? Should we take our own “giving pledge” and give it all away? What about providing for our family and kids? I don’t have all the answers, but I can share my perspective based on our personal life and my work with clients over the years. We hope this episode helps you put a framework around how you think about money!
Written Blog Post on Stewardship + Links -> https://www.thecapitalstewards.com/learn/worry-about-money-what-is-its-purpose
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
April is often the time when your bonus from last year will be paid out. This is likely the largest cash and stock infusion you will have throughout the year, and we get lots of questions about what to do 1st, 2nd 3rd etc.. And, by the way, we think its OK to have a little fun with your bonus money! In this episode we discuss the 4 things you should do with your bonus payout.
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
In our outlook we cover our views on markets as we head into the 2nd quarter of 2023. We discuss inflation, the banking turmoil and interest rates; as well as what the economic backdrop means for investment assets like stocks and bonds. Watch the video version on our website with the charts below or listen to the podcast version!
0:00 - Intro
1:56 - Long-Term Focus
4:01 - Inflation
7:12 - Fed Rate Hikes
9:01 - Are we headed for Recession?
12:43 - Bond Fixed Income Investing
15:50 - Banking Turmoil
21:48 - Stock Market
26:20 - International Stocks
19:08 - What should investors do now?
Video Version with Charts -> https://www.thecapitalstewards.com/learn/investment-outlook-q2-2023-are-things-as-bad-as-they-seem
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Silicon Valley Bank failed , now Credit Suisse merged with UBS. Can we trust banks and is our money safe? In this episode we cut through the noise on recent bank failures and provide perspective to help you make smart decisions with your cash. We cover:
1) What happened with Silicon Valley Bank & Credit Suisse
2) Why banks just don't have all of our cash on-hand
3) Are banks safe? What should we be doing to be smart with our cash?
4) Are we bailing out banks again? What will happen in the future given the actions of the government
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, listeners should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Interested in building passive income? Watched a few (or maybe a hundred) YouTube videos by people who seem to have it all figured out? In this episode we dive into passive income. What's real...and what's not. We cover:
- What is passive income?
- Types of passive income
- How to build passive income from creative assets or intellectual property
- Building passive income when you aren't creative :) or don't have IP
- How to think about passive investments, including real estate when you build a long-term strategy.
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, listeners should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Searching for ways to reduce your taxes? In this episode we cover short and long-term tax planning ideas. Plus, our review of the best Super Bowl commercials we've seen so far! We discuss:
- Why tax reduction is a long-term game
- Tax planning ideas for your 2022 taxes
- Long-term tax planning strategies... so you can win the long-game!
Resources:
2023 Tax Planning Guide -> https://www.thecapitalstewards.com/learn/reducing-taxes-in-2023-the-ultimate-guide-for-huntsville
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, listeners should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Wondering why markets are up so much to start the year - especially since Wall Street expected them to drop? What about that jobs report - it seems like the labor market is still really strong despite the news of layoffs. In this stock market update episode we cover:
- What is happening in the Stock Market and Bond Market so far in 2023
- The strong performance of international and emerging markets
- The jobs report and how the economy is impacting markets
- Why was the consensus wrong - and where do markets go from here?
- What long-term investors should do given the quick rise.
Resources:
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, listeners should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Want to make a financial resolution you can keep in 2023? We discuss how automating your savings is the best way to actually accomplish your financial goals in 2023. We also discuss the Secure Act 2.0. and what it means for your retirement savings:
- What does the Secure Act 2.0 mean for you?
- How does the Secure Act 2.0 impact professionals saving for retirement
- How does the Secure Act 2.0 impact current retirees
- How does the Secure Acto 2.0 impact business owners
Resources:
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com
Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, listeners should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.
Will we have a recession? What does that mean for investors? Does a technical recession impact investment strategy, or is a recession just a statistical exercise?
In our 2023 Outlook, we discuss the economy, inflation, interest rates, and unemployment. We weigh the evidence for and against a recession in 2023. Then we get practical and discuss investment considerations for 2023. We cover the stock market, bond market and commodities. We wrap up with a long-term view on inflation and supply driven economics. In our view, better economy and immigration policy is required to prevent a repeat of the 1970s. Don't forget to check out the full video version on our website that includes the charts!
Resources:
Video Version -> https://www.thecapitalstewards.com/learn/2023-economic-and-investment-outlook-lies-damn-lies-and-recessions
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com/aboutus
Listen to this episode before you push the "easy button" for your 2023 company benefits. Many employers offer great benefits packages, but it's up to you to take advantage of all of the offerings. We delve into health care coverage, life and disability insurance, executive liability and retirement accounts on this quick episode. Listen on your way to work, before you make those final selections for 2023!
Resources:
Want to Talk Live ?->https://www.thecapitalstewards.com/contact
Learn More About Us -> https://www.thecapitalstewards.com/aboutus
Every investment firm and advisor has "3 secret keys" for investing success. However, there are no "secrets" to successful investing. Successful investors apply wisdom and discipline over long periods of time. In this episode we discuss 4 principles, backed by history, that every investor should employ to be successful. Now there are no more secrets :). They are: 1) Goals and objectives form the foundation of investment decisions. The best investors in the world all have specific objectives they use to build their portfolios. 2) The goal is to grow your assets responsibly over the long-term, not to “beat the market” short-term. 3) Get the big picture right: Asset Allocation 4) Taxes and fees matter Resources: Want to Talk Live ?->https://www.thecapitalstewards.com/contact (https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Should your values impact the way you invest? What is Socially Responsible Investing - or ESG Investing - and what does it mean for investors? In this episode, we discuss what ESG really mena and look at data to provide fresh perspective on ESG investing. We cover: 1) What does ESG mean? What is Sociall Responsible Investing? 2) Do ESG factors lead to higher returns and better results for investors? 3) How should individual investors think about ESG investing? 4) Should those investing on behalf of others, like Pension Funds and 401K administrators, require ESG targets for their portfolios? Resources: https://cdn.ihsmarkit.com/www/pdf/0521/Honey-I-Shrunk-the-ESG-Alpha.pdf (Scientific Beta, “Honey I Shrunk the ESG Alpha” ) https://www.tandfonline.com/doi/full/10.1080/0015198X.2022.2074241 (Boustanifar and Kang, “Employee Satisfaction and Long-Term Stock Returns”) https://www.thecapitalstewards.com/learn/esg-investing-and-the-battle-of-good-vs-evil-investors (ESG Investing and the Battle of "Good vs. Evil" Investors) Want to Talk Live ?->https://www.thecapitalstewards.com/contact (https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
In this episode, we discuss where the economy and markets are headed as we close out the year. We discuss: What’s causing negative stock and bond returns so far in 2022 Why long-term perspective matters What’s really driving inflation Are rates high enough? What history tells us about the Federal Reserve and interest rates. What about all those stories about layoffs in the media? Why you may not want to follow popular rules of thumb when investing in a challenging environment Practical steps to take in your portfolio
Resources: Video Version -> https://www.thecapitalstewards.com/learn/4th-quarter-market-outlook (https://www.thecapitalstewards.com/learn/4th-quarter-market-outlook) Want to Talk Live ?->https://www.thecapitalstewards.com/contact (https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
In this episode, we discuss where the economy and markets are headed as we close out the year. We discuss: What’s causing negative stock and bond returns so far in 2022 Why long-term perspective matters What’s really driving inflation Are rates high enough? What history tells us about the Federal Reserve and interest rates. What about all those stories about layoffs in the media? Why you may not want to follow popular rules of thumb when investing in a challenging environment Practical steps to take in your portfolio
Resources: Video Version -> https://www.thecapitalstewards.com/learn/4th-quarter-market-outlook (https://www.thecapitalstewards.com/learn/4th-quarter-market-outlook) Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Wondering how to guide your student to the college of their dreams? What about how to pay for that college once they get in...without taking out a massive amount of debt? Today we go back to school again and revist the process of college admissions and financial aid with Shellee Howard. Shellee is the author of the bestselling book "How to Send Your Student to College Without Losing Your Mind or Your Money" and the founder of College Ready. We Discuss: 1) Misconceptions about college planning 2) When to start planning for college 3) How to get scholarships 4) TIps for lowering your EFC (Expected Family Contribution) 5) Making sure your 529 Plan and other assets don't hurt you in the aid process Resources: https://freebook.collegereadyplan.com/ (Get Shellee's Free Bestselling Book) https://collegereadyplan.com/ (Connect with College Ready) Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Do you need life insurance? Is life insurance a good investment? In this episode we cover all things life insurance so that you can make smart decisions about how to protect yourself and your family. We cover: 1) What is the purpose of life insurance? 2) How much life insurance do you need? 3) Term life Insurance vs. Permanent life insurance (Variable / Whole Life) 4) How life insurance is useful for business planning and minimizing estate taxes 5) How to find low cost term life insurance Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Note: Capital Stewards is not an insurance agent and is not compensated for placing or selling insurance. As a fiduciary, Capital Stewards is compensated solely for providing advice to our clients that is in their best interest.
Short episode with everything you need to know around the announcement of the Student Loan Forgiveness program on August 24th, 2022. Are you eligible for loan forgiveness? What should you do next? Will student loan forgiveness create higher inflation? Is student loan forgiveness a good policy decsion? Will it make education less expensive?
Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Often in life we can't peer around the corner and know what's on the otherside. That's true for many things in retirement. But we CAN use data and our experience helping clients navigate retirement to show you some unexpected surprises that often catch people off guard. In this episode, we discuss common retirement spending surprises so that you can plan ahead! We cover: How much will you really spend in retirement? Will your spending go down? How much will health insurance cost? What happens to health care costs before turning 65 (early retirement planners listen here) What about Medicare costs...and how to manage them How to plan for inflation so that it doesn't impact your standard of living down the road
Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
College is a HUGE expense - the second biggest expense for many families behind their home. How do we pay for college? But before we even think about paying for college its important to take a step back and figure out what we are buying with all of that money. What is the purpose of college? How much should we spend? What is the smart way for parents and grandparents to think about the economics of college? How do we make smart financial decisions about college as a family? In this episode we cover: 1) What is the right framework for assessing how much to spend on college? 2) Does it matter where we send our kids to college? Do elite private schools matter? 3) How do we talk about college as a family? 4) How do we pay for college? How much should we save for college? 5) How do we save for college expenses? Are 529 Plans a good idea? What about ESAs, Education Savings Accounts, Coverdell Plans, or IRAs for college saving? Want to Talk Live ?->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Helpful Links and Resources: https://ronlieber.com/books/the-price-you-pay-for-college/ (The Price You Pay for College Book) https://www.wsj.com/articles/do-elite-colleges-lead-to-higher-salaries-only-for-some-professions-1454295674> (WSJ: Do Elite Colleges Lead to Higher Salaries?) https://www.theatlantic.com/ideas/archive/2018/12/does-it-matter-where-you-go-college/577816/ (Atlantic: Does it Matter Where you Go To College?) https://www.nber.org/papers/w7322 (Estimating the Payoff to Attending a More Selective College)
We tackle where markets are and provide real perspective for investing in the second half of 2022. As we move into a slower period of growth, we discuss how to avoid falling for misconceptions about investing in this environment. We discuss Actual vs. perceived market returns since 2020 Real portfolio diversification - are you as diversified as you think? What's really causing inflation and will that create a recession Why growing companies outperform value oriented staples in recessions
Full Mid-Year Outlook Video: https://youtu.be/39Nj5C89nzg (https://youtu.be/39Nj5C89nzg) Connect With Us: Want to Talk Live ->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Will your children be able to manage money responsibly as adults? Not sure? The school system is terrible at teaching financial concepts....and most of us are uncomfortable talking about money...to anyone. So how are your kids learning about money if you aren't talking about it? ...and by kids we mean both children that live under your roof and those that are adults! In this episode we discuss practical tips you can use to educate your family about money. Hopefully you find this Father's Day edition of the podcast helpful. We cover: How to teach young children about money and saving Modern approaches to "allowance" and giving money to kids for expenses Sharing your "money values" like giving and generosity with your children Tips for teaching teenagers more advanced concepts like college planning and investing Navigating difficult money conversations with adult children Instilling your values in adult children to build multi-generational family legacy
Connect With Us: Want to Talk Live ->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Want to Lean More? Million Bazillion Podcast: https://podcasts.apple.com/us/podcast/million-bazillion/id1523486568 (https://podcasts.apple.com/us/podcast/million-bazillion/id1523486568) Operation Christmas Child (Shoeboxes): https://www.samaritanspurse.org/what-we-do/operation-christmas-child/ (https://www.samaritanspurse.org/what-we-do/operation-christmas-child/) Compassion International: https://www.compassion.com/ (https://www.compassion.com/)
Markets have been really volitile over the past week and "Recession" has been one of the most searched terms online. But what actually happens during a recession? Are we headed for another deep crisis? Can the talking heads on TV actually predict where we are going? In this episode we discuss: What actually happens during a recession? How do we know if a recession is coming...can we predicit it? Do we have conditions for a recession to occur? What should investors do if the economy slows down?
Links: Recession Forecast Accuracy: https://www.imf.org/en/Publications/WP/Issues/2018/03/05/How-Well-Do-Economists-Forecast-Recessions-45672 (https://www.imf.org/en/Publications/WP/Issues/2018/03/05/How-Well-Do-Economists-Forecast-Recessions-45672) Market Returns During Recessions: https://russellinvestments.com/us/blog/us-stock-market-recession-history (https://russellinvestments.com/us/blog/us-stock-market-recession-history)
Connect With Us: Want to Talk Live ->https://www.thecapitalstewards.com/contact ( https://www.thecapitalstewards.com/contact) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus)
Confused about the different types of retirement accounts? The names don't make it easy either; 401k, IRA, ROTH, ESOP and on and on. In this episode we help bring simplicity to a confusing topic by organizing the mess of accounts into two buckets that you can remember. We dive into strategies to reduce your taxes long-term, many of which are contrary to the rules of thumb you may be using. We also discuss these 4 tips for making smart long-term retirement planning and investing decisions: Contribute to a ROTH IRA or 401K earlier in your career if possible Check your current employer retirement benefits to determine if you can make ROTH elections in your savings plan Review your current and future effective tax rates with a professional to determine the best way to reduce taxes and contribute to retirement accounts Consider moving assetsfrom the tax deferred bucket to the ROTH (tax free bucket) via a ROTH Conversion if it makes sense for your particular situation.
Links: Learn About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Want to Talk Live? -> https://www.thecapitalstewards.com/contact (https://www.thecapitalstewards.com/contact)
Feeling uncertain about markets and your portfolio? Markets and investment portfolios are down this year - almost across the board. So how should investors react? What smart steps should 6-Figure Investors take when markets are volitile? In this episode we discuss: 1) Investor Emotions: The spectrum from panic selling to "doing nothing" during market drops 2) What to do if you feel nervous about your portfolios 3) Actions long-term investors should take, like rebalancing and tax-loss harvesting, which are better than "doing nothing" around market bottoms Links: Modern Asset Allocation ->https://www.thecapitalstewards.com/learn/diversification-in-rising-rate-environmentsits-time-for-a-modern-portfolio ( https://www.thecapitalstewards.com/learn/diversification-in-rising-rate-environmentsits-time-for-a-modern-portfolio) Learn About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Want to Talk Live -> https://www.thecapitalstewards.com/contact (https://www.thecapitalstewards.com/contact)
Feel like finding financial advice is an icky process? Struggling to find answers to your financial questions and hate feeling like you are being sold all the time? We get it. The investment industry deserves that negative perception. Despite all the "noise," good advice that you can trust is out there. We discuss how to find high quality, trustworthy financial advice. In this episode we give you 5 questions that you can ask any financial advisor or investment firm to help you determine whether they have your best interest at heart. Our 5 key questions you should ask your current or prospective advisor: Are you a fiduciary in all situations? (What is a fiduciary? What does Fiduciary mean?) Do you have a professional education? What are your credentials? Do you have experience working with clients like me? Can you explain your investment strategy easily…so that I can understand? Do you have any negative regulatory actions in your background?
Links: More on Choosing an Advisor -> https://www.thecapitalstewards.com/learn/howtochooseadvisor (https://www.thecapitalstewards.com/learn/howtochooseadvisor) Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Still Read Blogs? -> https://www.thecapitalstewards.com/learn (https://www.thecapitalstewards.com/learn)
Worried about high inflation and its impact on your investments? Wondering what is stagflation and how could that impact your portfolio? In this episode we discuss inflation in a practical way so that you understand the current environment and how to invest during high inflation. We discuss: What is inflation? How is inflation good and bad? What is stagflation and how is that harmful? What's causing inflation to be so high right now? Will energy and gas prices remain high long-term? How to invest during high inflation?
Links: Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Still Read Blogs? -> https://www.thecapitalstewards.com/learn (https://www.thecapitalstewards.com/learn)
Have a mess of investment accounts? Do you know the mix of stocks, bonds and other assets you own? Trying to manage your portfolio across multiple accounts, at multiple financial institutions from multiple employers can be a real challenge. We talk with clients and friends everyday that are struggling to stick to their investment strategy because its just too complex to implement across a web of accounts. In this episode we discuss an approach for simplifying your account structure - and your life. We cover: What types of investment accounts do I need? What is the difference between retirement accounts like an IRA, 401k, ROTH etc. How to begin the process of consolidating down to our "core 4" accounts
Links: Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Still Read Blogs? -> https://www.thecapitalstewards.com/learn (https://www.thecapitalstewards.com/learn)
Investing and smart financial decision making enables you to live the life you desire…the life you are passionate about…the life that makes you excited to wake up in the morning. But what if I don't know exactly what that life looks like? How do I invest if I don't have my life planned out? What if I don't know everything about the next 5, 10 or 30 years? We get it. In fact most other professionals don't have great answers to those questions either. Since we all live in reality, in this episode we discuss our framework for about aligning your investments with your values when you don't have it all figured out….so that you can start moving towards the life you want to live. We discuss: Why investing - and financial planning - is so much bigger than just "retirement" How to start planning and investing when you don't have it all figured out How to move from values you know to investable goals you can act on.
Links: Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Still Read Blogs? -> https://www.thecapitalstewards.com/learn (https://www.thecapitalstewards.com/learn)
Hi! We're Brian and Saxon and we're so excited that you're here for the inaugural episode of the show. If you find yourself in a position where you're making six figures and you want to be better at managing your money and investing wisely for today and for tomorrow, then you're in the right place. In this episode we're going to talk about our personal career and investing journey...so that you can get to know who we are and what we're all about. We discuss: 1) Big Career Moves 2) Investing as a Professional 3) What the 6 Figure Investor Podcast is All About! Links: Learn More About Us -> https://www.thecapitalstewards.com/aboutus (https://www.thecapitalstewards.com/aboutus) Still Read Blogs? -> https://www.thecapitalstewards.com/learn (https://www.thecapitalstewards.com/learn)