Thought Leadership Resource Center
‘Tis the season for giving and a familiar conversation we have with clients involves year-end charitable gifting strategies using appreciated assets. The tax code allows for favorable treatment of appreciated securities, however, there are a few details one must get right to increase the impact of a gift while also maximizing the gift’s tax efficiency.
Read MoreWhen saving for children, grandchildren, nieces, nephews, etc… one of the most common questions we are asked is whether to put funds into a UTMA account or 529. Both provide ways for parents and others to help save for the next generation, but how do you decide which is best?
Read MoreMany of our clients receive Self Employment income each year, which is to say income earned from a business as a sole proprietor, independent contractor, or through some form of partnership or Limited Liability Company (LLC). For some, this income is generated from a business with no other employees, or through a side business.
Read MoreOn June 30th, 2021 groundbreaking news broke from NCAA board of Directors. The NCAA announced they would be lifting restrictions on athletes receiving payments based on their name, image, and likeness (NIL). For decades we have seen athletes suspended for this behavior, notably Reggie Bush, Todd Gurley, and Johnny Manziel. Now, the NCAA has flipped the script and has effectively turned these amateur athletes into professionals.
Read MoreLife is full of milestones. While many are joyous occasions, such as getting married or the birth of a child, others are less so. Sadly, divorce touches just under 750,000 American couples per year, equal to roughly 2.7% of the US population. (SOURCE: CDC.gov, data as of 2019) While this figure has been steadily dropping over the past 20 years, divorce is a factor in many lives. Such a life-changing decision has many aspects that need to be considered, many of which require specialized knowledge that many do not have. This lack of understanding can often be a barrier for people, preventing an unhappy couple from pursuing the course they would both otherwise prefer. Where will I live? How will I pay the bills? What will this do to my retirement plan? To help demystify the divorce process, here are a few things to consider as you begin the process.
Read MoreOver the past year we have seen a pandemic, social unrest, all-time market highs, and a meteoric rise in the price of Bitcoin. In the early days of Bitcoin, few people knew about it and even fewer people discussed it. In January 2017, Bitcoin was trading under $1,000. By October of that year, the price had jumped to over $5,000 and by the end of December it was trading over $19,000. Needless to say, Bitcoin quickly grabbed the attention of retail investors and Wall Street. However, Bitcoin would soon fade away as the price dropped to $4,000 in 2018. Bitcoin had lost traction and wall street stopped talking about it.
Read MoreAs outlined in our 2017 ‘Intro to Family Offices’, we highlighted the intentionality of structure which families bring to develop their Capital. In particular we shared that a family’s wealth, and thereby risk management, should be viewed across a wide array of Capital considerations and approached with respective thoughtfulness.
Read MoreAs outlined in our 2017 ‘Intro to Family Offices’, we highlighted the intentionality of structure which families bring to develop their Capital. In particular we shared that a family’s wealth, and thereby risk management, should be viewed across a wide array of Capital considerations and approached with respective intentionality.
Read MoreThe concept of a “Family Office” is somewhat mysterious and ill-defined by many individuals, service providers, and investment professionals alike. I recently participated on a panel discussion at a Family Office Conference in Chicago where our segment was primarily focused upon the range of service models Ultra-High Net Worth (UHNW) families (broadly defined as households with net assets in excess of $30 Million) may choose to employ. The balance of this paper strives to develop a baseline understanding of the “Family Office” space.
Read MoreDisclosures:
THIS COMMENTARY HAS BEEN PREPARED BY CLEARWATER CAPITAL PARTNERS. THE OPINIONS VOICED IN THIS MATERIAL ARE FOR GENERAL INFORMATION ONLY AND ARE NOT INTENDED TO PROVIDE OR BE CONSTRUED AS PROVIDING LEGAL, ACCOUNTING, OR SPECIFIC INVESTMENT ADVICE OR RECOMMENDATIONS FOR ANY INDIVIDUAL. ALL ECONOMIC DATA IS DERIVED FROM PUBLIC SOURCES BELIEVED TO BE RELIABLE. TO DETERMINE WHICH INVESTMENTS MAY BE APPROPRIATE FOR YOU, PLEASE CONSULT WITH US PRIOR TO INVESTING. INVESTING INVOLVES RISK WHICH MAY INCLUDE LOSS OF PRINCIPAL. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, insurance products, or to adopt any investment strategy. The opinions expressed are as of the date of writing and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Clearwater Capital Partners to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks. International investing involves additional risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. Index performance is shown for illustrative purposes only. You cannot invest directly in an index. S&P 500 is a registered trademark of Standard & Poor’s Financial Services, a division of S&P Global (“S&P”) DOW JONES, DJ, DJIA and DOW JONES INDUSTRIAL AVERAGE are registered trademarks of Dow Jones Trademark Holdings (“Dow Jones”). NASDAQ-100 Index®, NASDAQ-100®, NASDAQ Composite Index® are registered trademarks of The NASDAQ OMC Group, Inc. The two main risks related to fixed-income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
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